This sample pricing chart illustrates the cost of a Hybrid Long-Term Care policy, which combines long-term care coverage with a built-in life insurance benefit.

The policy is designed to pay for care if you ever need assistance with daily activities or experience cognitive decline — and to return a death benefit to your heirs if care
is never needed.

Each example includes a $4,000 monthly
long-term care benefit with 3% compound inflation protection to help your
coverage grow over time.

For individuals, the benefit period shown is
4 years; for joint policies, it's 6 years
of shared coverage.

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You’ll see three common ways to pay:
an annual 10-pay option (level premiums for 10 years), annual life pay (annual payments for life, only available up to age 65), and a single-pay option, where you make one upfront lump-sum payment.

As expected, premiums increase with age, and some options phase out after certain ages. Joint policies are shown for couples applying together and are priced accordingly.

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These examples are meant to give you a realistic sense of what hybrid LTC coverage may cost at different ages. Actual pricing will vary based on your age, health, state,
and underwriting approval. 

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To prepare a custom proposal with personalized pricing, we’ll ask you to share a few additional details.