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Sample Price Quotes
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Your timing is perfect! The earlier you enroll in Long Term Care Insurance, the cheaper it is for you. You will lock into a rate based upon the age that you are when you submit your application. DO THIS while you are still young, active and healthy enough to qualify. Remember, not everyone can get this coverage. If you wait until YOU NEED IT, it may be too late! Please act now.
CALIFORNIA LONG TERM CARE INSURANCE SAMPLE PRICE QUOTES: CALIFORNIA
Premiums will vary with choice of benefits selected and ages of applications. See footnotes for additional information.
| Sample Quote # |
1 |
2 |
3 |
4 |
| Age |
47 |
52 |
52 |
55 |
| Policy Type |
Comprehensive |
Comprehensive |
Comprehensive |
Facility |
| Carrier |
MetLife |
Genworth |
Genworth |
MetLife |
| Facility Benefit |
$150/Day |
$150/Day |
$120/Day |
$120/Day |
| Home Care Benefit |
$4,500/Month |
$4,500/Month |
$3,600/Month |
None |
| Benefit Limit |
Unlimited |
Unlimited |
3 Years |
3 Years |
| Elimination Period |
100 |
90 Days 0 Hhc |
90 Days 0 Hhc |
20 |
| Inflation Rider |
5% Compound |
5% Compound |
5% Compound |
5% Compound |
| Health Discount |
Yes |
Yes |
Yes |
None |
| Spousal Discount |
Yes |
Yes |
Yes |
None |
| Annual Premium |
$2,067 |
$2,468 |
$1.069 |
$1,477 |
| Sample Quote # |
5 |
6 |
7 |
8 |
| Age |
57 |
57 |
60 |
60 |
| Policy Type |
Comprehensive |
Comprehensive |
Comprehensive |
Comprehensive |
| Carrier |
MetLife |
Genworth |
John Hancock |
MetLife |
| Facility Benefit |
$180/Day |
$120/Day |
$150/Day |
$200/Day |
| Home Care Benefit |
$5,400/Month |
$3,600/Month |
$4,320/Month |
$6,000/Month |
| Benefit Limit |
5 Years |
4 Years |
4 Years |
3 Years |
| Elimination Period |
100 Days |
90 Days 0 Hhc |
60 Days |
100 Days |
| Inflation Rider |
5% Compound |
5% Compound |
5% Simple |
5% Compound |
| Health Discount |
Yes |
None |
None |
Yes |
| Spousal Discount |
Yes |
Yes |
Yes |
Yes |
| Annual Premium |
$2,123 |
$1,630 |
$1,764 |
$1,952 |
| Sample Quote # |
9 |
10 |
11 |
12 |
| Age |
62 |
62 |
67 |
72 |
| Policy Type |
Comprehensive |
Comprehensive |
Comprehensive |
Facility |
| Carrier |
John Hancock |
Prudential |
Prudential |
MetLife |
| Facility Benefit |
$150/Day |
$150/Day |
$120/Day |
$150/Day |
| Home Care Benefit |
$5,400/Month |
$5,400/Month |
$3,600/Month |
None |
| Benefit Limit |
4 Years |
10 Years |
3 Years |
4 Years |
| Elimination Period |
30 Days |
90 Days |
90 Days |
20 Days |
| Inflation Rider |
5% Compound |
5% Compound |
5% Simple |
5% Simple |
| Health Discount |
Yes |
Yes |
None |
None |
| Spousal Discount |
Yes |
Yes |
Yes |
None |
| Annual Premium |
$2,430 |
$3,093 |
$2,230 |
$5,928 |
MetLife is California VIP Ideal 2 Policy
Genworth is Long Term Care Choice California Partnership Policy
John Hancock is Custom Care California Partnership Policy
Prudential is California LTC by Design Policy
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