Illustrative examples for 50-year-old couples at different planning levels. Actual premiums and benefits vary by age, health, underwriting, and policy design.
These sample illustrations demonstrate different planning objectives — the same guaranteed structure funded at four levels, from mainstream coverage to concierge protection. Read them as a ladder: each step adds room above tomorrow’s cost of care.
One structure, four levels — side by side for a 50-year-old couple, guaranteed at issue age 50.
| Guaranteed at Age 50 | Illustration 1SemiprivateCouples planning for semiprivate care | Illustration 2Private RoomPartners at the Big 4 & other professionals | Illustration 3Concierge · LevelAffluent families | Illustration 4Concierge · 3% CompoundHigh-net-worth families |
|---|---|---|---|---|
| Monthly LTC benefit / insured | $15,000 | $20,000 | $40,000 | $40,000 |
| Combined monthly (jointly) | $30,000 | $40,000 | $80,000 | $80,000 |
| Death benefit | $360,000 | $480,000 | $960,000 | $960,000 |
| One-time single premium | $203,900 | $271,867 | $447,553 | $515,530 |
| Year-1 guaranteed cash value | $85,954 | $114,605 | $229,210 | $229,210 |
| Gain if care is never needed | $156,100 | $208,133 | $512,447 | $444,470 |
| Long-term care coverage | Lifetime · no cap | Lifetime · no cap | Lifetime · no cap | Lifetime · no cap |
| Inflation protection | Level | Level | Level | 3% compound |
Every level is fully funded by a single premium — no further premiums are ever due — builds guaranteed cash value from day one, and pays for extended care with no time limit and no benefit cap.
Illustration 1 · Semiprivate
Designed for couples planning for semiprivate care
Designed to help cover the cost of a semiprivate room — the mainstream entry point to guaranteed lifetime protection.
Long-term care coverage: Lifetime · no cap • Year-1 guaranteed cash value: $85,954 • Gain if care is never needed: $156,100
Premium flexibility — same coverage, guaranteed never to increase
| Payment structure | Premium |
|---|---|
| Single pay (one-time) | $203,900 |
| 5-Pay | $58,262 / yr |
| 10-Pay | $29,686 / yr |
| 20-Pay | $17,986 / yr |
| Pay to age 95 | $12,762 / yr |
All structures guaranteed never to increase.
Illustration 2 · Private Room
Designed for partners at the Big 4 and other professionals
Protection at private-room cost levels for partners at the Big 4 and other professionals seeking a wider margin than mainstream coverage provides.
Long-term care coverage: Lifetime · no cap • Year-1 guaranteed cash value: $114,605 • Gain if care is never needed: $208,133
Premium flexibility — same coverage, guaranteed never to increase
| Payment structure | Premium |
|---|---|
| Single pay (one-time) | $271,867 |
| 5-Pay | $77,683 / yr |
| 10-Pay | $39,581 / yr |
| 20-Pay | $23,981 / yr |
| Pay to age 95 | $17,016 / yr |
All structures guaranteed never to increase.
Illustration 3 · Concierge · Level
Concierge long-term care planning for affluent families
Concierge-level planning for affluent families who want the highest level of long-term care protection, funded once at today’s level.
Long-term care coverage: Lifetime · no cap • Year-1 guaranteed cash value: $229,210 • Gain if care is never needed: $512,447
Premium flexibility — same coverage, guaranteed never to increase
| Payment structure | Premium |
|---|---|
| Single pay (one-time) | $447,553 |
| 5-Pay | $133,536 / yr |
| 10-Pay | $66,947 / yr |
| 20-Pay | $39,977 / yr |
| Pay to age 95 | $28,124 / yr |
All structures guaranteed never to increase.
Illustration 4 · Concierge · Inflation-Protected
Concierge long-term care planning for high-net-worth families
Concierge-level protection that grows with future long-term care costs — for high-net-worth families who want coverage to keep pace across a 30- or 40-year horizon.
Long-term care coverage: Lifetime · no cap • Year-1 guaranteed cash value: $229,210 • Gain if care is never needed: $444,470
Premium flexibility — same coverage, guaranteed never to increase
| Payment structure | Premium |
|---|---|
| Single pay (one-time) | $515,530 |
| 5-Pay | $149,652 / yr |
| 10-Pay | $75,854 / yr |
| 20-Pay | $45,898 / yr |
| Pay to age 95 | $32,377 / yr |
The lifetime continuation benefit grows 3% compounded each year.
“These are sample illustrations, not the plan. The value of seeing them side by side is deciding which level fits the family — then running the numbers for your own age, health, and entity structure.”
No Cost · No Obligation
Request a Personalized Illustration for Your Situation. Every family’s numbers are different. A complimentary review shows exactly how these planning levels would work for your age, health, and entity structure. Contact us today — all reviews are complimentary.
Withbert W. Payne, CPA, CGMA, FCA · CA License No. 0E90257
(925) 708-6501 · LTCCPAs.com
