Mode 1 — LTC Policy Premium Estimate
Estimate range: 35–80 years.
Women pay more (AALTCI data).
Annual premium
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Monthly premium
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Initial benefit pool
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total benefit pool
Pool at claim age
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–
Total premiums paid
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–
Calculation steps
Estimate, not a quote. The range reflects price spread across insurers (AALTCI data: lowest–highest gaps up to 29–80% for the same profile). Actual underwritten premiums may fall outside this range.
Mode 2 — Care Cost Estimate & Policy Comparison
Rates = US national medians, 2025 Cost of Care Survey.
Comparison policy (optional)
Annual cost
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first year
Monthly cost
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first year
Total cost
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–
Policy pool
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at claim age
Estimated policy coverage
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–
Remaining (out-of-pocket)
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difference vs total cost
Estimate, not an actual bill. Costs use US national medians (2025 Survey) — actual costs vary widely by state and facility. The policy comparison uses simple assumptions (policy pool computed as if the policy were bought at age 55) and is not insurance advice.
Mode 3 — Compare Two Policy Scenarios
| Metric | A | B | Difference (B−A) |
|---|
Descriptive comparison. This table only juxtaposes the estimated figures of two scenarios; it is not a recommendation to pick either. Consult a financial planner or licensed agent for actual decisions.
Mode 4 — Solver: Maximum Daily Benefit from Premium Budget
Maximum daily benefit
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mid estimate
Across-company range
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cheap–expensive
Premium recheck
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per year (capped $50–$1,000)
Premium curve by entry age (same policy, descriptive)
| Entry age | Premium/year | Range | Total premiums to 85 |
|---|
This table is descriptive: it shows how the annual premium changes by entry age for the same policy configuration. Not advice on when to buy.
Solver estimate. Results are computed from an estimation model and the spread across insurers; not a price guarantee. Policy purchase decisions involve factors beyond these figures.