Ideal for Those with Idle Monies
A single-premium hybrid LTC policy is not an expense — it is a financial instrument that wins in every scenario. It is ideally suited for those with idle monies sitting in CDs, money market accounts, or uninvested cash earning modest returns.
Figures based on a policy illustration dated June 7, 2026, for insureds aged 50, Preferred Non-Tobacco, California. Individual results will vary.
Before examining the policy, consider what the alternative costs. A semi-private room in a Bay Area Skilled Nursing Facility currently runs $15,000 per month — $180,000 per year per person. For two insureds, joint care at that rate costs $360,000 per year. Self-insuring this risk requires maintaining and protecting a substantial reserve — indefinitely.
A one-time premium repositions idle assets into a policy that provides guaranteed, tax-free LTC benefits, a guaranteed death benefit, and immediate cash surrender value from day one.
This policy produces a positive financial outcome regardless of whether LTC is ever needed:
For a C Corporation owner, the LTC premium portion of $121,676 may be fully tax-deductible. At a 30% effective rate, this produces an estimated tax saving of $36,500, dramatically reducing the effective capital at risk:
The capital at risk after the income tax benefit is less than one quarter of a single year of Bay Area joint care costs ($360,000). No need to self-insure.
Every dollar deposited as a single premium is either:
Premiums are guaranteed never to increase. The policy also provides an immediate, accessible cash surrender value from day one. For those with idle monies in low-yield vehicles, this is a straightforward repositioning — not an expense.
"LTC insurance is always a win-win for those with idle monies to reposition."
— Withbert W. Payne, CPA, CGMA, FCA
A personalized illustration shows your exact premium, cash surrender value, LTC benefit, and death benefit — for your specific age and health profile. One page, completely free, no obligation.
Request a Complimentary ReviewDisclaimer: All figures are drawn from a policy illustration dated June 7, 2026, for insureds aged 50, Preferred Non-Tobacco, California, and are not guarantees of future performance. Actual premiums, cash surrender values, LTC benefits, and death benefits will vary based on age, health, carrier underwriting, and policy design. LTC benefits are generally received income-tax-free under current IRC —7702B provisions; death benefits from life insurance-based structures are generally income-tax-free to beneficiaries. Tax deductibility of LTC premiums depends on entity type and applicable IRS limits; consult a tax professional. The $360,000 annual Bay Area care cost estimate is based on a $15,000/month semi-private room rate for two individuals. This document is for informational purposes only and does not constitute an offer or solicitation to sell insurance. This is a solicitation for insurance. CA License No. 0E90257.
