Self-insure vs. Risk-transfer

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0 height="100%"><tr> <td valign="top" width=170 BGCOLOR="#000099" TEXT="#F7F7FF" background="043aac00erkqpg.png"> <bR> <bR> <bR> <bR> <div> <B>(804) 744-8512</B></div> <bR> <bR> <bR> <bR> <div> <A HREF="long_term_care_insurance_quotes_personalized_and_free.htm" TARGET="_top" TITLE="Our Programs and Services"><U><B><IMG SRC="0ea54620.jpg" border=0 width="84" height="98" ALT="long-term care insurance comparison of risk for long-term care needs" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <div> <A HREF="long_term_care_insurance_asset_transfer_solutions.htm" TARGET="_top" TITLE="AssetTransfer Funding for longterm care"><U><B>Asset-Transfer</B></U></A><B> -- alternative solutions for individuals and couples</B></div> <bR> <bR> <bR> <div> <A HREF="long_term_care_insurance_solutions.htm" TARGET="_top" TITLE="Contact Us"><U><B>Contact Us</B></U></A></div> <bR> <bR> <div> <A HREF="long_term_care_insurance_quotes_personalized_and_free.htm" TARGET="_top" TITLE="Our Programs and Services"><U><B>Back</B></U></A></div> <bR> <div> <A HREF="long_term_care_insurance_frequently_asked_questions.htm" TARGET="_top" TITLE="FAQ"><U><B>FAQ</B></U></A></div> <bR> </td> <td valign="top" BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <FONT SIZE="5" COLOR="#000066" FACE="Arial" ><B>Long-term care funding solutions by Financial Strategies </B></FONT>     |     <FONT SIZE="3" COLOR="#000099" FACE="Arial" ><A HREF="index.htm" TARGET="_top" TITLE="Longterm care funding solutions by Finan"><U><B>home</B></U></A></FONT></div> <bR> <div> <I>Self-insure vs. Risk-transfer </I></div> <div> <I><U>Self-insured</U></I> - Illustrates the approximate costs of long-term care, the additional savings required each year…starting now…and earning a high annual net crediting rate on those savings to meet the long term care costs @ age 75</div> <bR> <div> <I><U>Risk-transfer</U></I> - Illustrates the approximate annual premiums each year by transferring the risk for long-term care insurance to the insurance company</div> <bR> <DIV ALIGN="LEFT"></DIV> <div> For Individuals/Couples -- <FONT SIZE="3" COLOR="#000000" FACE="Arial" ><I><B><U>Baby boomers</U></B></I></FONT></div> <bR> <div> <I><B>What might long-term care (LTC) costs be for 5-years @ age 75?</B></I></div> <bR> <div> <TABLE BORDER="2" CELLPADDING="1" CELLSPACING="1" WIDTH="538" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP BGCOLOR=#E0FFFF HEIGHT= 82 ><NOBR><div> <B>Current Age</B></div> </NOBR></tD> <tD VALIGN=TOP BGCOLOR=#E0FFFF WIDTH="117"><div> <B>LTC Costs for 5-years </B></div> <div> <B>@ age 75 </B></div> </tD> <tD VALIGN=TOP BGCOLOR=#E0FFFF WIDTH="131"><div> <I><B><U>Self-insured</U></B></I><B> Additional annual savings required earning net-rate of return @ 7% </B></div> </tD> <tD VALIGN=TOP BGCOLOR=#E0FFFF WIDTH="34"><div> <B>Vs.</B></div> </tD> <tD VALIGN=TOP BGCOLOR=#E0FFFF WIDTH="137"><div> <I><B><U>Risk-transfer </U></B></I></div> <bR> <div> <B>LTC Insurance</B></div> <div> <B>(approx.)</B></div> </tD> </tR> <tR> <tD VALIGN=TOP BGCOLOR=#C0C0C0 HEIGHT= 16 WIDTH="89"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="89" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP BGCOLOR=#C0C0C0 WIDTH="117"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="117" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP BGCOLOR=#C0C0C0 WIDTH="131"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="131" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP BGCOLOR=#C0C0C0 WIDTH="34"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="34" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP BGCOLOR=#C0C0C0 WIDTH="137"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="137" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 54 WIDTH="89"><div> 50</div> </tD> <tD VALIGN=TOP WIDTH="117"><div> <B>$865,000, or $173,000 per year</B></div> </tD> <tD VALIGN=TOP BGCOLOR=#FFFFC1 WIDTH="131"><div> <B>$11,800</B></div> </tD> <tD VALIGN=TOP WIDTH="34"><div> Vs.</div> </tD> <tD VALIGN=TOP BGCOLOR=#FFFFC1 WIDTH="137"><div> <B>$1,200</B></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 54 WIDTH="89"><div> Spouse</div> <div> 47</div> </tD> <tD VALIGN=TOP WIDTH="117"><div> <B>$1,002,000, or</B></div> <div> <B>$200,000 per year</B></div> </tD> <tD VALIGN=TOP BGCOLOR=#FFFFC1 WIDTH="131"><div> <B>$10,700</B></div> </tD> <tD VALIGN=TOP WIDTH="34"><div> Vs.</div> </tD> <tD VALIGN=TOP BGCOLOR=#FFFFC1 WIDTH="137"><div> <B>$1,000</B></div> </tD> </tR> </TABLE></div> <div> <IMG BORDER="0" SRC="Symb075c00b700dc00000000.png" HEIGHT="15" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">You can protect your assets and income for approximately <FONT SIZE="3" COLOR="#000000" FACE="Arial" ><B>$0.10 cents</B><B> </B></FONT>on the dollar -- by simply shifting the risk to the insurance company today while you are in good health to secure long-term care insurance and free up your additional savings for your dreams and goals.</div> <bR> <DIV ALIGN="LEFT"></DIV> <div> For Individuals/Couples -- <FONT SIZE="3" COLOR="#000000" FACE="Arial" ><I><B><U>Seniors</U></B></I></FONT></div> <bR> <div> <I><B>What might long-term care (LTC) costs be for 5-years @ age 80?</B></I></div> <div>  </div> <div> <TABLE BORDER="2" CELLPADDING="1" CELLSPACING="1" WIDTH="538" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP BGCOLOR=#E0FFFF HEIGHT= 82 ><NOBR><div> <B>Current Age</B></div> </NOBR></tD> <tD VALIGN=TOP BGCOLOR=#E0FFFF WIDTH="117"><div> <B>LTC Costs for 5-years </B></div> <div> <B>@ age 80</B></div> </tD> <tD VALIGN=TOP BGCOLOR=#E0FFFF WIDTH="131"><div> <I><B><U>Self-insured</U></B></I><B> Additional annual savings required earning net-rate of return @ 7% </B></div> </tD> <tD VALIGN=TOP BGCOLOR=#E0FFFF WIDTH="34"><div> <B>Vs.</B></div> </tD> <tD VALIGN=TOP BGCOLOR=#E0FFFF WIDTH="137"><div> <I><B><U>Risk-transfer </U></B></I></div> <bR> <div> <B>LTC Insurance</B></div> <div> <B>(approx.)</B></div> </tD> </tR> <tR> <tD VALIGN=TOP BGCOLOR=#C0C0C0 HEIGHT= 16 WIDTH="89"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="89" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP BGCOLOR=#C0C0C0 WIDTH="117"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="117" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP BGCOLOR=#C0C0C0 WIDTH="131"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="131" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP BGCOLOR=#C0C0C0 WIDTH="34"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="34" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP BGCOLOR=#C0C0C0 WIDTH="137"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="16" ALIGN="bottom" WIDTH="137" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 54 WIDTH="89"><div> 65</div> </tD> <tD VALIGN=TOP WIDTH="117"><div> <B>$506,000, or $101,000 per year</B></div> </tD> <tD VALIGN=TOP BGCOLOR=#FFFFC1 WIDTH="131"><div> <B>$18,800</B></div> </tD> <tD VALIGN=TOP WIDTH="34"><div> Vs.</div> </tD> <tD VALIGN=TOP BGCOLOR=#FFFFC1 WIDTH="137"><div> <B>$1,900</B></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 54 WIDTH="89"><div> Spouse</div> <div> 62</div> </tD> <tD VALIGN=TOP WIDTH="117"><div> <B>$586,000, or</B></div> <div> <B>$117,000 per year</B></div> </tD> <tD VALIGN=TOP BGCOLOR=#FFFFC1 WIDTH="131"><div> <B>$16,000</B></div> </tD> <tD VALIGN=TOP WIDTH="34"><div> Vs.</div> </tD> <tD VALIGN=TOP BGCOLOR=#FFFFC1 WIDTH="137"><div> <B>$1,600</B></div> </tD> </tR> </TABLE></div> <div> <IMG BORDER="0" SRC="Symb075c00b700dc00000000.png" HEIGHT="15" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">You can protect your assets and income for approximately <FONT SIZE="3" COLOR="#000000" FACE="Arial" ><B>$0.10 cents</B></FONT> on the dollar -- by simply shifting the risk to the insurance company today while you are in good health to secure long-term care insurance and free up your additional savings for your dreams and goals.</div> <bR> <div> <FONT SIZE="4" COLOR="#0000CC" FACE="Arial" ><A HREF="long_term_care_insurance_asset_transfer_solutions.htm" TARGET="_top" TITLE="AssetTransfer Funding for longterm care"><U><U>Alternative funding solutions</U></U></A></FONT><FONT SIZE="4" COLOR="#000000" FACE="Arial" > </FONT>-- for individuals and couples, you may want to consider our <FONT SIZE="3" COLOR="#0000CC" FACE="Arial" ><A HREF="long_term_care_insurance_asset_transfer_solutions.htm" TARGET="_top" TITLE="AssetTransfer Funding for longterm care"><U><B>Asset-Transfer</B></U></A></FONT> and linked-benefit funding solutions to fund your long term care needs</div> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <div> <A HREF="long_term_care_insurance_asset_transfer_solutions.htm" TARGET="_top" TITLE="AssetTransfer Funding for longterm care"><U>Asset-Transfer Funding -- for long-term care funding solutions</U></A></div> <div> <A HREF="long_term_care_alternative_funding_free_plan_design_service.htm" TARGET="_top" TITLE="Request free AssetTransfer for longterm"><U>Request free Asset-Transfer -- for long-term care funding solutions</U></A></div> </td> </tr></table></body>