DUNN INSURANCE SERVICES LLC

NAIC Partnership Certified - Long-Term Care Specialists Since 1993

Comparisons

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

Monthly Benefit: $3600

Maximum Benefit
$216,000.00

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
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
montly .

Tax-qualified plan with pooled facility and home/community care benefit. Benefits are paid monthly. Tax-qualified plan with pooled benefit.
This is an independent illustration. It does not bind the Insurer. Use Insurer's forms and softwarefor applications.

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Dunn Insurance Services LLC

602-923-4949 or, toll-free: 1-866-380-2169

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