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The
comparison you did for me of the top four companies allowed me to choose wisely
with no second-guessing. I got the best company and value for myself and my
wife.
- Don, Scottsdale, AZ
"We
do the shopping for you with a comparison of the
top companies you
health qualify
for"
Sample Long Term Care Premium Comparison for Clients
Long Term Care Premium Comparison |
Date: 07/12/09 | ||||
Prepared for: John Doe State: AZ Birthdate: Issue Age: 55 |
Prepared by: Michael & Mary Ellen Dunn Dunn Insurance Services 4015 East Lupine Avenue Phoenix, Arizona 85028 602-923-4949 | ||||
| Benefit | Allianz Generation Protector II |
Genworth Priviledged Choice |
John Hancock Custom Care II |
MetLife Ideal 2 |
Prudential LTC 3 |
| Tax Qualified | Yes | Yes | Yes | Yes | Yes |
| Underwriting Class | Preferred | Preferred | Preferred | Preferred | Preferred |
| Facility Daily Benefit | $120 | $120 | N/A | $120 | $120 |
| Facility Benefit Period | 5 Years | 5 Years | 5 Years | 5 Years | 5 Years |
| Home Care Daily Benefit | 100% | 100% | 100% | 100% | 100% |
| Monthly Home Care | Monthly Benefit | Monthly | Monthly | Monthly | Monthly Benefit |
| Home Care Benefit Period | Pooled | Pooled | Pooled | Pooled | Pooled |
| Inflation Protection | Compound | Compound | Compound | Compound | Compound |
| Facility Elimination Period | 90 days | 90 days | 90 days | 100 days | 90 days |
| Zero Day HC Elim. Period | Yes | 0 days | Yes | Yes | No |
| Nonforfeiture | Contingent | Contingent | Contingent | Contingent | Contingent |
| Return of Premium | No | No | To Age 65 | No | No |
| Restoration of Benefit | No | No | No | No | Yes |
| Survivorship | Yes | Included | Yes | Yes | Yes |
| Spouse Premium Waiver | No | No | Yes | No | No |
| Marital Discount* | Both Spouses | Both Spouses | Both Spouses | Both Insured | Both Spouses |
| Payment Option | Lifetime | Lifetime | Lifetime | Lifetime | Lifetime |
| Modal Factor | Monthly EFT | Monthly | Monthly | Monthly | Monthly EFT |
| Other Can Include domestic partners |
Policy Type: Individual Maximum Benefit |
Benefit Type: Monthly Monthly Benefit: $3600 Maximum Benefit $216,000.00 |
Pool of Money: 219,000 |
Lifetime Maximum $219,000 Cash Alternative benefit 40% Spousal Discount: Both Insured |
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| Monthly Premium | $133.58 | $100.44 | $146.81 | $277.70 | $128.12 |
| Allianz Generation Protector II is a Tax-Qualified Plan with pooled benefits. | Genworth Privileged Choice is a Tax-qualified Plan. | Tax-qualified Plan with pooled benefits can be paid daily or |
Tax-qualified plan with pooled facility and home/community care benefit. Benefits are paid monthly. | Tax-qualified plan with pooled benefit. | |
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