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 get accurate, personalized pricing, you can complete the LTC Health Snapshot form. 

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