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Saving Premiums to Self-Insure

Help your client see the long-term consequences of their planning decisions.

Prepared for Client Name

Hypothetical Premium of $1,895.00
Premium Savings at 8% 31% Tax Bracket	Age	Annual Cost of Care 5% Inflation
$1,895.00	59	$43,800.00
$3,999.00	60	$45,990.00
$6,219.00	61	$48,290.00
$8,562.00	62	$50,704.00
$11,034.00	63	$53,239.00
$13,643.00	64	$55,901.00
$16,396.00	65	$58,696.00
$19,301.00	66	$61,631.00
$22,366.00	67	$64,713.00
$25,600.00	68	$67,949.00
$29,013.00	69	$71,346.00
$32,614.00	70	$74,913.00
$36,414.00	71	$78,659.00
$40,424.00	72	$82,592.00
$44,655.00	73	$86,722.00
$49,120.00	74	$91,058.00
$53,831.00	75	$95,611.00
$58,802.00	76	$100,392.00
$64,047.00	77	$105,412.00
$69,582.00	78	$110,683.00
$75,423.00	79	$116,217.00
$81,586.00	80	$122,028.00

After 22 years of saving, you have accumulated approximately enough money to pay for 8 months of care.

If you were faced with the average 3.1 Year Long Term Care stay, even under the optimal saving conditions shown above, you would have $309,110.90 of exposure.

Every year in addition to the average 3.1 Year Stay will cost you an additional $128,129.00/Per Year.

Prepared by Agent Name
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