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: 05/15/07 | ||||
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 | $110 | N/A | N/A | $110 | $110 |
| Facility Benefit Period | 5 Years | 5 Years | 5 Years | 5 Years | 5 Years |
| Home Care Daily Benefit | 100% | 100% | 100% | 100% | 100% |
| Home Care Benefit Period | Pooled | Pooled | Pooled | Pooled | Pooled |
| Inflation Protection | Compound | Compound | Compound | Compound | Compound |
| Facility Elimination Period | 30 days | 30 days | 30 days | 20 days | 30 days |
| Nonforfeiture | Contingent | No | Contingent | Contingent | No |
| Restoration of Benefit | Yes | Yes | Yes | Yes | Yes |
| Survivorship | No | Included | No | No | No |
| Marital Discount* | Both Spouses | Both Spouses | Both Spouses | Both Insured | Both Insured |
| Payment Option | Lifetime | Lifetime | Lifetime | Lifetime | Lifetime |
| Modal Factor | Annual | Annual | Annual | Annual | Annual |
| Other Can Include domestic partners |
Monthly HHC: Monthly Benefit |
Policy Type: Individual Home Care Elim |
Benefit Type: Monthly Monthly Benefit: $3300 |
other | Home Care Pay Option: Monthly Benefit |
| Premium | $1,376.96 | $1,286.81 | $1,360.86 | $1,296.24 | $1,513.71 |
| Total Premium | |||||
| Allianz Generation is a Tax-Qualified Plan with pooled benefits. | Genworth Privileged Choice is a Tax-qualified Plan. | John Hancock |
Tax-qualified plan with pooled facility and home/community care benefit. Benefits are paid monthly. | Tax-qualified plan with pooled benefit. | |
Dunn Insurance Services LLC
4015 East Lupine Avenue
Phoenix, Arizona 85028
602-923-4949 or, toll-free: 1-866-380-2169
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