Long-term care funding solutions by Financial Strategies     |     home

Self-insure vs. Risk-transfer
Self-insured - 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

Risk-transfer - Illustrates the approximate annual premiums each year by transferring the risk for long-term care insurance to the insurance company

For Individuals/Couples -- Baby boomers

What might long-term care (LTC) costs be for 5-years @ age 75?

Current Age
LTC Costs for 5-years
@ age 75
Self-insured Additional annual savings required earning net-rate of return @ 7%
Vs.
Risk-transfer

LTC Insurance
(approx.)
50
$865,000, or $173,000 per year
$11,800
Vs.
$1,200
Spouse
47
$1,002,000, or
$200,000 per year
$10,700
Vs.
$1,000
You can protect your assets and income for approximately $0.10 cents 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.

For Individuals/Couples -- Seniors

What might long-term care (LTC) costs be for 5-years @ age 80?
Current Age
LTC Costs for 5-years
@ age 80
Self-insured Additional annual savings required earning net-rate of return @ 7%
Vs.
Risk-transfer

LTC Insurance
(approx.)
65
$506,000, or $101,000 per year
$18,800
Vs.
$1,900
Spouse
62
$586,000, or
$117,000 per year
$16,000
Vs.
$1,600
You can protect your assets and income for approximately $0.10 cents 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.

Alternative funding solutions -- for individuals and couples, you may want to consider our Asset-Transfer and linked-benefit funding solutions to fund your long term care needs




























































Asset-Transfer Funding -- for long-term care funding solutions
Request free Asset-Transfer -- for long-term care funding solutions