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Long-Term Care Insurance Rate Guide- Sample Policy 2

Nursing Home and Home Health Care Policy
Daily Benefit: $100 Nursing Home/$50 Home Health Care
0-100 Day Elimination Period

Two-Year Benefit Period 
Long-Term Care Nonpartnership Policy

The rates listed are estimates provided by the companies using limited rating criteria.  Your rate will vary based on your individual circumstances.  If a company uses gender-specific rating, TDI asked the companies to provide the higher rate.  Contact the company to learn your exact rate.

Purchase Age and Annual Premium (in dollars)
Company Name Offer Non-Tax-Qualified Long-Term Care Policies? Offer Lifetime Benefit?  Disbursement Method 40 45 50 55 60 65 70 75 80 Elimination Period
(in days)
Waiting
(in months)
Policy Form
Number
BANKERS LIFE AND CASUALTY COMPANY
(312) 396-6000
Rate Increase History

* This company bases rates on gender.
Y
N
Expense incurred 383 488 601 766 1,023 1,459 2,204 3,300 4,950
90
0
GR-N650
GENWORTH LIFE INSURANCE COMPANY
(888) 436-9678
Rate Increase History

** Rates assume an inflation benefit increase.  Contact the company to learn more about how those increases would function.
N
N
Expense incurred 949 982 1,036 1,076 1,340 1,776 2,533 3,678 N/A
30
0
ICC13-8000R1
JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A)
(800) 377-7311
Rate Increase History 
 
* This company bases rates on gender.

** Rates assume an inflation benefit increase.  Contact the company to learn more about how those increases would function.
N
N
Expense incurred 876 996 1,128 1,296 1,596 2,064 2,868 4,056 N/A
30
N/A
ICC14-LTC-15
LIFESECURE INSURANCE COMPANY
(866) 582-7702
Rate Increase History
N
N
Expense incurred 338 385 449 547 722 1,026 1,779 3,293 N/A 90 0 LS-LTC-004
MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
(800) 272-2216
Rate Increase History
N
N
Expense incurred 445 492 565 689 905 1,297 2,090 3,506 N/A 30 0 MM500-P-2-TX
MEDAMERICA INSURANCE COMPANY
(800) 544-0327
Rate Increase History

* This company bases rates on gender.
N
N
Expense incurred 520 585 669 798 1,013 1,395 2,150 3,341 5,478 30 N/A ICC14-336

MUTUAL OF OMAHA INSURANCE COMPANY
(402) 693-6083
Rate Increase History

* This company bases rates on gender.
N
N
Expense incurred 446 478 535 635 805 1,152 1,738 2,805 N/A 90 0 LTC13
NEW YORK LIFE INSURANCE COMPANY
(800) 224-4582
Rate Increase History
N
N
Expense incurred 409 490 600 723 873 1,297 2,155 3,215 N/A
20
0
ILTC-5000(TX)(0112)
NORTHWESTERN LONG TERM CARE INSURANCE COMPANY
(800) 890-6704
Rate Increase History

* This company bases rates on gender.
N N Expense incurred 780 918 1,077 1,308 1,653 2,307 3,450 5,142 N/A
42
N/A
UU.LTC.(1014)
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
(866) 855-1212
Rate Increase History
N N Expense incurred 500 626 779 971 1,210 1,573 2,201 3,092 N/A
30
6
ICC1197062IC
THRIVENT FINANCIAL FOR LUTHERANS
(800) 847-4836
Rate Increase History

* This company bases rates on gender.
N N Expense incurred 324 405 459 621 783 1,242 1,674 2,727 N/A
30
N/A
ICC13 H-HX-LTC
TRANSAMERICA LIFE INSURANCE COMPANY
(800) 797-2643
Rate Increase History

* This company bases rates on gender.
N N Expense incurred 445 516 617 728 1,001 1,467 2,245 3,661 N/A
0
0
ICC13 TLC-4
UNITED SECURITY ASSURANCE COMPANY OF PENNSYLVANIA
(800) 872-3044
Rate Increase History
Y N Expense incurred 475 475 538 575 688 975 1,513 2,500 4,138
0
6
TQLTC-02(TX)

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Last updated: 11/10/2015