Sample Pricing for Life Insurance with a Long-Term Care Rider
Curious what life insurance with long-term care benefits might cost?
The examples below show realistic pricing for permanent life insurance policies with a built-in LTC rider,
based on a $500,000 death benefit and a $10,000/month long-term care benefit.
This type of policy allows you to access your life insurance benefit early
if you need care — typically 50 months — and whatever you don't use for care is generally paid to your beneficiaries as an income tax-free death benefit. These policies provide a flexible way to protect
both your care needs and your family’s future.
Premiums are shown as annual payments and vary by age, gender, and benefit level.
Joint policies are available, with shared benefits split between two insured individuals.
These rates are sample estimates and may vary based on your health, the carrier, and underwriting results.
To prepare a custom proposal with personalized pricing, we’ll ask you to share a few additional details.
Sample Pricing for
Life Insurance with a
Long-Term Care Rider
Curious what life insurance with long-term care benefits might cost?
The examples below show realistic pricing for permanent life insurance policies with a built-in LTC rider, based on a $500,000 death benefit and a $10,000/month long-term care benefit.
This type of policy allows you to access your life insurance benefit early if you need care — typically 50 months — and whatever you don’t use for care is paid to your beneficiaries as a tax-free death benefit. These policies provide a flexible way to protect both your care needs and your family’s future.
Premiums are shown as annual payments and vary by age, gender, and benefit level.
Joint policies are available, with shared benefits split between two insured individuals.
These rates are sample estimates and may vary based on your health, the carrier, and underwriting results.
To prepare a custom proposal with personalized pricing, we’ll ask you to share a few additional details.
Life Insurance with LTC Rider - $500,000 Benefit - Male
| Age | Gender | Monthly Long Term Care Benefit | Benefit Length | Annual Life Pay |
|---|---|---|---|---|
| 45 | Male | $10,000 | 50 Months | $5,350 |
| 50 | Male | $10,000 | 50 Months | $6,135 |
| 55 | Male | $10,000 | 50 Months | $7,642 |
| 60 | Male | $10,000 | 50 Months | $9,296 |
| 65 | Male | $10,000 | 50 Months | $12,552 |
| 70 | Male | $10,000 | 50 Months | $19,819 |
| 75 | Male | $10,000 | 50 Months | $30,027 |
Life Insurance with LTC Rider - $500,000 Benefit - Female
| Age | Gender | Monthly Long Term Care Benefit | Benefit Length | Annual Life Pay |
|---|---|---|---|---|
| 45 | Female | $10,000 | 50 Months | $4,448 |
| 50 | Female | $10,000 | 50 Months | $5,396 |
| 55 | Female | $10,000 | 50 Months | $6,633 |
| 60 | Female | $10,000 | 50 Months | $8,110 |
| 65 | Female | $10,000 | 50 Months | $10,603 |
| 70 | Female | $10,000 | 50 Months | $15,180 |
| 75 | Female | $10,000 | 50 Months | $26,583 |
Life Insurance with LTC Rider - $1,000,000 Benefit - $500,000 Per Insured
| Age | Gender | Monthly Long Term Care Benefit | Benefit Length | Annual Life Pay |
|---|---|---|---|---|
| 45 | Male & Female | $10,000 | 50 Months Each | $8,636 |
| 50 | Male & Female | $10,000 | 50 Months Each | $10,642 |
| 55 | Male & Female | $10,000 | 50 Months Each | $12,852 |
| 60 | Male & Female | $10,000 | 50 Months Each | $14,573 |
| 65 | Male & Female | $10,000 | 50 Months Each | $22,362 |
| 70 | Male & Female | $10,000 | 50 Months Each | $31,977 |
| 75 | Male & Female | $10,000 | 50 Months Each | $46,425 |
