AFLAC

A+

Personal Long Term Care (PLTC)

18 - 65

$200

AFLAC

0

2 years, 3 years, 5 years, lifetime

504.00

720.00

1324.80

n/a

AFLAC

see note

All Levels,

This policy may be purchased to cover just the individual OR primary/spouse. Benefits chosen at time of policy application will apply to each and each will have their own set of benefits - no pool or sharing. One application, one policy, but full benefits for each.

AFLAC

0

Cognitive Impairment; 2 out of 6 ADLs;

Yes

n/a

AFLAC

The biggest seller of this policy is that we have a first occurrence benefit, which the policyholder can use however he wishes, whether for caregiver training, equipment purchase/rental, etc. The amount varies by policy level, but is basically 30 times the daily nursing home benefit amount. Also, this product was designed specifically for the worksite market and as the point of sale proceedures are very different than a direct sell, the product has been pre-packaged to simplify the information.

Adult Day Care, Bed Reservation, Home Health Care, Inflation Protection, Non-forfeiture, Respite Care, Waiver of Premium, The biggest seller of this policy is that we have a first occurrence benefit, which the policyholder can use however he wishes, whether for caregiver training, equipment purchase/rental, etc. The amount varies by policy level, but is basically 30 times the daily nursing home benefit amount.

AK, AL, AR, IL, MT, RI, IN, NE, SC, AZ, IA, NV, SD, KS, TN, CA, KY, NJ, TX, CO, LA, NM, UT, ME, VT, DE, NC, VA, DC, ND, WA, FL, MI, OH, WV, GA, MN, OK, WI, HI, MS, OR, WY, ID, MO, GU, PR, VI,

AFLAC

A+

QLTC

18 - 84

$170

AFLAC

0 days, 20 days, 100 days

2 years, 3 years, 5 years, lifetime

217.80

415.80

917.40

2250.60

3953.40

AFLAC

10%

All Levels,

AFLAC

0 days or 20 days

Cognitive Impairment; 2 out of 5 ADLs;

Yes

n/a

AFLAC

Adult Day Care, Alternative Plan of Care, Bed Reservation, Home Health Care, Inflation Protection, Non-forfeiture, Respite Care, Waiver of Premium,

AK, AL, AR, IL, MT, RI, IN, NE, SC, AZ, IA, NV, SD, KS, NH, TN, CA, KY, TX, CO, LA, NM, UT, ME, VT, DE, NC, VA, DC, ND, WA, FL, MI, OH, WV, GA, MN, OK, WI, HI, MS, OR, WY, ID, MO, PA, GU, PR, VI,

AFLAC

A+

NQLTC

18 - 84

$200

AFLAC

0 days, 20 days, 100 days

2 years, 3 years, 5 years, lifetime

277.20

475.20

1069.20

2666.40

4270.20

AFLAC

10%

All Levels,

AFLAC

0 days, 20 days

Medical Necessity; Cognitive Impairment; 2 out of 5 ADLs;

Yes

n/a

AFLAC

Adult Day Care, Alternative Plan of Care, Ambulance Insurance, Bed Reservation, Home Health Care, Inflation Protection, Non-forfeiture, Respite Care, Waiver of Premium,

AK, AL, AR, IL, MT, RI, IN, NE, SC, AZ, IA, NV, SD, KS, NH, TN, CA, KY, TX, CO, LA, NM, UT, ME, VT, DE, NC, VA, DC, ND, WA, FL, OH, WV, GA, MN, OK, WI, HI, MS, OR, WY, ID, MO, PA, GU, VI,

Aid Association for Lutherans / Lutheran Brotherhood

A+

Comprehensive LTC

18 - 85

$250

Aid Association for Lutherans / Lutheran Brotherhood

30, 90 180, 365 days

3 year pool, 5 year pool, unlimited pool

252

432

900

2232

3576

Aid Association for Lutherans / Lutheran Brotherhood

10 %

All Levels,

Premiums are for qualifying days as we have no zero day policy

Aid Association for Lutherans / Lutheran Brotherhood

Same as for Nursing Care

Cognitive Impairment; 2 out of 6 ADLs;

Yes

% of Premium

Aid Association for Lutherans / Lutheran Brotherhood

Adult Day Care, Alternative Plan of Care, Bed Reservation, Care Coordination, Caregiver Training, Equipment Purchase/Rental, Home Health Care, Inflation Protection, Non-forfeiture, Restoration of Benefits, Waiver of Premium, Double Waiver of Premium

AK, AL, AR, IL, MT, IN, NE, SC, AZ, IA, NV, SD, KS, NH, TN, CA, KY, NJ, TX, CO, LA, NM, UT, CT, ME, VT, DE, NC, VA, DC, ND, WA, FL, MI, OH, WV, GA, MN, OK, WI, HI, MS, OR, WY, ID, MO, PA, GU,

American Pioneer Life

B++

ProCare

18 - 85

$300

American Pioneer Life

0, 20, 90 or 180 days

2, 3, 4, 5, 6 years or unlimited

1062.84

1997.16

4866.48

7,997.16

American Pioneer Life

20%

All Levels,

For spousal applicants we offer a 20% discount on each approved policy. If spouses purchase a joint ProCare policy the lower premium will be discounted 50%

American Pioneer Life

0, 20, 90, 180 or 360 days

Medical Necessity; Cognitive Impairment; 2 out of 7 ADLs;

Yes

Variable

American Pioneer Life

None

Adult Day Care, Alternative Plan of Care, Bed Reservation, Care Coordination, Caregiver Training, Equipment Purchase/Rental, Guaranteed Purchase, Home Health Care, Inflation Protection, Non-forfeiture, Respite Care, Restoration of Benefits, Survivorship, Waiver of Premium,

AR, IN, NE, SC, AZ, NV, TN, TX, LA, NC, VA, FL, MI, OH, GA, OK, MO,

American Progressive Life & Health

B++

Pro Care

18 - 85

$300

American Progressive Life & Health

0,20,90,180,360

2,3,4,5,6 & Lifetime

541

1017

2478

4071

American Progressive Life & Health

20%

All Levels,

Contact Home Office for State specific information

American Progressive Life & Health

0,20,90,180 OR 360 DAYS

Contact Home Office for State specific limits

Medical Necessity; Cognitive Impairment; 2 out of 6 ADLs;

Yes

0

American Progressive Life & Health

Adult Day Care, Alternative Plan of Care, Bed Reservation, Care Coordination, Caregiver Training, Guaranteed Purchase, Home Health Care, Inflation Protection, Non-forfeiture, Non-professional/Family Care, Respite Care, Restoration of Benefits, Survivorship, Waiver of Premium,

RI, CT, ME, NY, DE, MD, PA,

Bankers Life and Casualty Co.

A-

Non-Qualified Long Term Care Policy GR-N380

18 - 89

$300

Bankers Life and Casualty Co.

0,15,30,60,90 and 180 days

365X,500X,730X,1000X,1095X,1460X,1500X,1825X,2000X,2190X,2500X,2920X and Unlimited

492

701

1334

3255

5223

Bankers Life and Casualty Co.

20%

All Levels,

Bankers Life and Casualty Co.

Same as Nursing Home

There is one common waiting period for both Nursing Home and Home Health Care.

Medical Necessity; Cognitive Impairment; 2 out of 6 ADLs;

Yes

Information not available

Bankers Life and Casualty Co.

Adult Day Care, Alternative Plan of Care, Ambulance Insurance, Bed Reservation, Care Coordination, Caregiver Training, Equipment Purchase/Rental, Home Health Care, Inflation Protection, Non-forfeiture, Paid-up Insurance, 10-year Paid-up Option, Prescription Drugs, Respite Care, Restoration of Benefits, Return of Premium, Survivorship, Waiver of Premium, 10% Companion Discount and Joint Waiver of Premium. Optional Survivor Maximum Benefit Increase. Inflation protection, Non-forfeiture, Paid-Up insurance, 10 year paid-up option, Return of Premium and Survivorship are available for an additional premium. Other benefits are included in base coverage. Prescription drugs which are the type customarily provided in a Hospital or Nursing Home are also covered.

AK, AL, IL, RI, NE, SC, AZ, NV, SD, NH, TN, CO, LA, NM, DC, ND, FL, OH, MS, WY, MO,

Bankers Life and Casualty Co.

A-

Non-Qualified Long Term Care Policy GR-N280

18 - 89

$300

Bankers Life and Casualty Co.

0,15,30,60 and 90 days

365X,500X,730X,1000X,1095X,1460X,1500X,1825X,2000X,2190X,2500X,2920X, and Unlimited

454

647

1215

3124

5179

Bankers Life and Casualty Co.

15%

All Levels,

Bankers Life and Casualty Co.

Same as Nursing Home

There is one common waiting period for both Nursing Home and Home Health Care.

Medical Necessity; Cognitive Impairment; 2 out of 6 ADLs;

Yes

Information not available

Bankers Life and Casualty Co.

Adult Day Care, Alternative Plan of Care, Ambulance Insurance, Bed Reservation, Care Coordination, Caregiver Training, Equipment Purchase/Rental, Home Health Care, Inflation Protection, Non-forfeiture, Paid-up Insurance, Prescription Drugs, Respite Care, Restoration of Benefits, Return of Premium, Survivorship, Waiver of Premium, Joint Waiver of Premium. Inflation protection, Non-forfeiture, Paid-Up insurance, Return of Premium and Survivorship are available for an additional premium. Other benefits are included in base coverage. Prescription drugs of the type customarily provided in a Hospital or Nursing Home are also covered.

AR, MT, IN, IA, KS, CA, KY, NJ, TX, UT, CT, ME, VT, DE, MD, NC, VA, MA, WA, MI, WV, GA, MN, OK, WI, HI, OR, ID, PA,

Bankers Life and Casualty Co.

A-

Tax-Qualified Long Term Care Policy GR-N350

18 - 89

$300

Bankers Life and Casualty Co.

0,15,30,60,90 and 180 days

365X,500X,730X,1000X,1095X,1460X,1500X,1825X,2000X,2190X,2500X,2920X,and Unlimited

473

674

1283

3130

5022

Bankers Life and Casualty Co.

20%

All Levels,

Bankers Life and Casualty Co.

Same as Nursing Home

There is one common waiting period for both Nursing Home and Home Health Care.

Cognitive Impairment; 2 out of 6 ADLs;

Yes

Information not available

Bankers Life and Casualty Co.

Adult Day Care, Alternative Plan of Care, Ambulance Insurance, Bed Reservation, Care Coordination, Caregiver Training, Equipment Purchase/Rental, Home Health Care, Inflation Protection, Non-forfeiture, Paid-up Insurance, 10-year Paid-up Option, Prescription Drugs, Respite Care, Restoration of Benefits, Return of Premium, Survivorship, Waiver of Premium, 10% Companion Discount, Joint Waiver of Premium. Optional Survivor Maximum Benefit Increase. Inflation protection, Non-forfeiture, Paid-Up insurance, 10-year paid-up option, Return of premium and Survivorship are available for an additional premium. Other benefits are included in base coverage. Prescription drugs which are the type customarily provided in a Hospital or a Nursing Home are also covered.

AK, AL, IL, RI, NE, SC, AZ, NV, SD, NH, TN, CO, LA, NM, DC, ND, FL, OH, MS, WY, MO,

Bankers Life and Casualty Co.

A-

Tax-Qualified Long Term Care Policy GR-N250

18 - 89

$300

Bankers Life and Casualty Co.

0,15,30,60 and 90 days

365X,500X,730X,1000X,1095X,1460X,1500X,1825X,2000X,2190X,2500X,2920X, and Unlimited

441

629

1179

3033

5028

Bankers Life and Casualty Co.

15%

All Levels,

Bankers Life and Casualty Co.

Same as Nursing Home

There is one common waiting period for both Nursing Home and Home Health Care.

Cognitive Impairment; 2 out of 6 ADLs;

Yes

Information not available

Bankers Life and Casualty Co.

Adult Day Care, Alternative Plan of Care, Ambulance Insurance, Bed Reservation, Care Coordination, Caregiver Training, Equipment Purchase/Rental, Home Health Care, Inflation Protection, Non-forfeiture, Paid-up Insurance, Prescription Drugs, Respite Care, Restoration of Benefits, Return of Premium, Survivorship, Waiver of Premium, Joint Waiver of Premium. Inflation Protection, Non-Forfeiture, Paid-Up Insurance, Return of Premium and Survivorship are available for an additional premium. Other benefits are included in base coverage. Prescription drugs of the type customarily provided in a Hospital or a Nursing Home are also covered.

AR, MT, IN, IA, KS, CA, KY, NJ, TX, UT, CT, ME, VT, DE, MD, NC, VA, MA, WA, MI, WV, GA, MN, OK, WI, HI, OR, ID, PA,

Bankers United Life Assurance Company

A

GoldenCare Protector III

18 - 99+

$400

Bankers United Life Assurance Company

0,20,60,90,180 days

2,4yrs, and Lifetime

528.00

732.00

1,416.00

3,864.00

6,540.00

Bankers United Life Assurance Company

All Levels,

Bankers United offers a 10% Spousal Discount.

Bankers United Life Assurance Company

Elimination periods 0,20,60,90,180 days.

Benefit periods on Home Health Care 1,2yrs, and Lifetime.

Cognitive Impairment; 2 out of 6 ADLs;

Yes

N/A

Bankers United Life Assurance Company

Adult Day Care, Alternative Plan of Care, Bed Reservation, Care Coordination, Caregiver Training, Equipment Purchase/Rental, Home Health Care, Inflation Protection, Non-forfeiture, Paid-up Insurance, 10-year Paid-up Option, Respite Care, Restoration of Benefits, Return of Premium, Survivorship, Waiver of Premium, Ambulance Service at $250 per use (to or from a Nursing Facility), up to a maxium of 4 times per calendar year.

AK, AR, IL, MT, RI, IN, NE, SC, AZ, IA, NV, SD, KS, NH, TN, CA, KY, TX, CO, LA, NM, UT, CT, ME, VT, DE, MD, NC, VA, DC, MA, ND, WA, FL, MI, OH, WV, GA, MN, OK, WI, HI, MS, OR, WY, ID, MO,

Catholic Order of Foresters

A-

Forester Care 2000

18 - 89

$300

Catholic Order of Foresters

20,60,90,180

2,3,5,Life

381.29

721.46

1225.99

2821.27

4393.51

Catholic Order of Foresters

15%

All Levels,

Catholic Order of Foresters

same as Elimination Period

Cognitive Impairment; 2 out of 6 ADLs;

Yes

50-70%

Catholic Order of Foresters

We do offer association and clergy discounts.

Adult Day Care, Alternative Plan of Care, Bed Reservation, Care Coordination, Caregiver Training, Equipment Purchase/Rental, Guaranteed Purchase, Home Health Care, Inflation Protection, Non-forfeiture, Respite Care, Restoration of Benefits, Return of Premium, Waiver of Premium,

IL, RI, IN, NE, AZ, IA, SD, KS, NH, KY, TX, LA, CT, ME, VT, MD, DC, MA, ND, MI, OH, MN, OK, WI, MO, PA,

CNA (Continental Casualty Co.)

A

Preferred Solution TQ Series

18 - 84

$300

CNA (Continental Casualty Co.)

0,30,90,180,365 Days

2,3,4,5 Years and Lifetime

445.82

622.08

984.96

2,218.75

3,691.01

CNA (Continental Casualty Co.)

20%

All Levels,

CNA (Continental Casualty Co.)

Same as elimination period

Cognitive Impairment; 2 out of 6 ADLs;

Yes

Varies

CNA (Continental Casualty Co.)

Adult Day Care, Alternative Plan of Care, Bed Reservation, Care Coordination, Caregiver Training, Equipment Purchase/Rental, Home Health Care, Inflation Protection, Non-forfeiture, 10-year Paid-up Option, Respite Care, Restoration of Benefits, Return of Premium, Survivorship, Waiver of Premium,

Conseco Health Insurance Co.

A-

Conseco Solutions

18 - 99

$300

Conseco Health Insurance Co.

20,60,100,180 days

1,2,3,4,5 Lifetime

322.56

645.12

1082.88

2292.48

3628.80

Conseco Health Insurance Co.

20%

All Levels,

Lowest elimination period factor 20 days with 100% HHC

Conseco Health Insurance Co.

Waiting period is the same as NH elimination waiting period

Cognitive Impairment; 2 out of 6 ADLs;

Yes

n/a

Conseco Health Insurance Co.

Issue ages 84-99 minimum elimination period is 60 days, daily maximum $200 per day

Adult Day Care, Alternative Plan of Care, Bed Reservation, Care Coordination, Caregiver Training, Equipment Purchase/Rental, Home Health Care, Inflation Protection, Non-forfeiture, Non-professional/Family Care, 10-year Paid-up Option, Respite Care, Restoration of Benefits, Return of Premium, Survivorship, Waiver of Premium,

AK, AL, IL, MT, IN, NE, SC, AZ, IA, NV, SD, KS, NH, TN, CA, KY, NJ, TX, CO, LA, NM, UT, ME, NY, DE, NC, VA, DC, ND, WA, FL, MI, OH, WV, GA, MN, OK, WI, HI, MS, OR, WY, ID, MO, PA, GU, PR, VI,

Equitable Life & Casualty Insurance Co.

B++

EquiCare 2002+

0 - 100

$250

Equitable Life & Casualty Insurance Co.

0 days,30 days, 90 days, 180 days, 365 days

One, two, three, four, five or unlimited years.

717.12

937.44

1289.52

2676.24

4263.84

Equitable Life & Casualty Insurance Co.

10% joint or no cost paid up survivor benefit

All Levels,

Equitable Life & Casualty Insurance Co.

0 days, 7 days or 30 days

Medical Necessity; Cognitive Impairment; 2 out of 6 ADLs

Yes

variable

Equitable Life & Casualty Insurance Co.

Separate & independent benefit periods for nursing care and home care - Comprehensive 2 layer coverage.

Adult Day Care, Alternative Plan of Care, Bed Reservation, Care Coordination, Caregiver Training, Equipment Purchase/Rental, Guaranteed Purchase, Home Health Care, Inflation Protection, Non-forfeiture, Non-professional/Family Care, Paid-up Insurance, Respite Care, Restoration of Benefits, Return of Premium, Survivorship, Waiver of Premium, Assisted living, adult foster homes, residential care, hospice care, extended reinstatement.

AR, IL, MT, IN, NE, AZ, IA, NV, SD, TN, KY, TX, CO, LA, NM, UT, ND, OH, OK, MS, OR, WY, ID, MO,

GE Financial Assurance Company

A+

Long Term Care CHOICE - 7035

18 - 84

$250

GE Financial Assurance Company

50 & 100 Our plan has a 0-day Elimination Period for Home Care built into the policy

730 X Daily Max DM, 1095 X DM, 1460 X DM, 2190 X DM, Unlimited

514.80

561.60

943.80

2,254.20

3,697.20

GE Financial Assurance Company

25%

All Levels,

GE Financial Assurance Company

There is a 0-Day Elimination Period built into the plan

Cognitive Impairment; 2 out of 6 ADLs;

Yes

Varies

GE Financial Assurance Company

Our Survivorship Benefit, Monthly Home Care & 0-Day Elimination Period for Home Care are in the base plan at NO ADDITIONAL COST

Adult Day Care, Alternative Plan of Care, Bed Reservation, Care Coordination, Caregiver Training, Equipment Purchase/Rental, Home Health Care, Inflation Protection, Non-forfeiture, Respite Care, Restoration of Benefits, Survivorship, Waiver of Premium. We also offer a Shared Plan as a separate policy. Our Home Care has no Agency Requirement and has a 0-day Elimination Period. Our Home Care also covers Homemaker Services & Chore services

AK, AL, AR, IL, MT, RI, IN, NE, SC, AZ, IA, NV, SD, KS, NH, TN, CA, KY, NJ, TX, CO, LA, NM, UT, CT, ME, NY, VT, DE, MD, NC, VA, DC, MA, ND, WA, FL, MI, OH, GA, MN, OK, WI, HI, MS, OR, WY, ID, MO, PA, GU, VI,

Great Republic Life Insurance Co.

B

The Perennial Plan

55 - 89

$120

Great Republic Life Insurance Co.

20/90

2 thru 6

n/a

180.00

216.00

780.00

1500.00

Great Republic Life Insurance Co.

10 %

Skilled, Intermediate, Custodial,

premiums listed are for $120.00 per day, 20 day elim, 1 year. no inflation.

Great Republic Life Insurance Co.

Medical Necessity; Cognitive Impairment; 3 out of 6 ADLs;

Yes

N/A

Great Republic Life Insurance Co.

Alternative Plan of Care, Inflation Protection, Waiver of Premium,

NV, UT, WA, OR, ID,

Guarantee Trust Life Insurance Co.

A-

Legacy Series (Comprehensive Plan)

1 - 84

$250

Guarantee Trust Life Insurance Co.

0 day, 20 days, 100 days, 180 days, 365 days

1,2,3,5 years,,Lifetime

653.40

774.60

1344.60

2882.40

4712.40

Guarantee Trust Life Insurance Co.

10 % discount

All Levels,

Guarantee Trust Life Insurance Co.

No waiting period (beyond elimination period)

Cognitive Impairment; 2 out of 6 ADLs;

Yes

Varies

Guarantee Trust Life Insurance Co.

Adult Day Care, Alternative Plan of Care, Bed Reservation, Care Coordination, Caregiver Training, Equipment Purchase/Rental, Home Health Care, Inflation Protection, Non-forfeiture, 10-year Paid-up Option, Respite Care, Restoration of Benefits, Return of Premium, Survivorship, Waiver of Premium, Optional Home Health Care coordinator provides waiver of elimination period and an increase of daily benefits by 25%.

AR, IL, IN, NE, SC, AZ, IA, NV, KS, NH, TN, KY, TX, LA, NM, UT, DE, NC, VA, MI, OH, GA, MN, OK, WI, MS, WY, MO, PA,

John Hancock Life Insurance Co.

A++

Custom Care

18 - 84

$500

John Hancock Life Insurance Co.

30, 60, 90, 180 & 365

2 years, 3 years, ,4 years, 5 years, ,6 years or Lifetime

475.11

554.30

923.83

2164.41

3563.35

John Hancock Life Insurance Co.

20%

All Levels,

We do not offer a -0- day Elimination Period, rates are based on 30 day Elimination Period.

John Hancock Life Insurance Co.

Same as Nursing Home care - see comments

If care is received one or more days per week 7 days count towards the elimination period.

Cognitive Impairment; 2 out of 6 ADLs;

Yes

40% - 80%

John Hancock Life Insurance Co.

John Hancock offers a unique FamilyCare benefit that will cover up to four family members on one policy. Addtional Cash benefit is a rider that adds a separate pool of money to pay for any additional home care costs. This pool is an indemnity pool of money.

Adult Day Care, Bed Reservation, Care Coordination, Caregiver Training, Equipment Purchase/Rental, Guaranteed Purchase, Home Health Care, Inflation Protection, Non-forfeiture, Non-professional/Family Care, Paid-up Insurance, 10-year Paid-up Option, Respite Care, Restoration of Benefits, Survivorship, Waiver of Premium, FamilyCare Benefit, SharedCare, Addtional Cash Benefit, Partner Home Care, International Coverage, Home Safety Checks, Medical Alert Devices, Provider Care Checks

AK, AL, MT, RI, NE, SC, IA, NV, SD, KS, NH, TN, KY, CO, UT, ME, NY, DE, MD, NC, DC, MA, WA, FL, MI, OH, WV, MS, WY, ID,

Life Investors Insurance Co. of America

A+

Future Care 2000

18 - 99+

$300

Life Investors Insurance Co. of America

0,20,30,60,90,100,18

1,2,3,4,5,6yrs, and Lifetime (with some restrictions)

516

792

1,584

4,188

6,720

Life Investors Insurance Co. of America

All Levels,

Life Investors Insurance Co. of America

Elimations periods are 0,20,60,100 days.

0 day elimination is not available for ages 80 and over.

Cognitive Impairment; 2 out of 6 ADLs;

Yes

Life Investors Insurance Co. of America

Home Health Care daily benefit is doubled if skilled care is recevied.

Adult Day Care, Alternative Plan of Care, Bed Reservation, Care Coordination, Caregiver Training, Equipment Purchase/Rental, Guaranteed Purchase, Home Health Care, Inflation Protection, Non-forfeiture, Respite Care, Restoration of Benefits, Survivorship, Waiver of Premium,

AK, AL, AR, IL, MT, RI, IN, NE, SC, AZ, IA, NV, SD, KS, NH, TN, CA, KY, TX, CO, LA, NM, UT, CT, ME, VT, DE, MD, NC, VA, DC, MA, ND, WA, FL, MI, OH, WV, GA, MN, OK, WI, HI, MS, OR, WY, ID, MO, PA,

Metropolitan Life Insurance Co. (MetLife)

A+

1LTC97 and 2LTC97

40 - 84

$300

Metropolitan Life Insurance Co. (MetLife)

20, 45, 100, 180

2, 3, 4, 5, Unlimited

428.40

622.20

1234.20

2866.20

4865.40

Metropolitan Life Insurance Co. (MetLife)

15% if both issued, 10% if only one issued

All Levels,

0 Day EP not available. Rates are based on 20 Day EP. Rates do not include Spousal Discount. Rates include Optioinal Inflation at no cost. Rates and Benefits available may vary by state.

Metropolitan Life Insurance Co. (MetLife)

20, 45, 100, 180 day

May Vary By State.

Cognitive Impairment; 2 out of 6 ADLs;

Yes

varies

Metropolitan Life Insurance Co. (MetLife)

Age 80-84 - Unlimited benefit not available. Other Benefits May Vary By State.

Adult Day Care, Alternative Plan of Care, Bed Reservation, Care Coordination, Caregiver Training, Equipment Purchase/Rental, Guaranteed Purchase, Home Health Care, Inflation Protection, Non-forfeiture, Respite Care, Survivorship, Waiver of Premium,

AK, AL, AR, IL, RI, IN, NE, SC, AZ, IA, NV, KS, NH, TN, CA, KY, NJ, TX, CO, LA, NM, UT, CT, ME, NY, VT, DE, MD, NC, VA, DC, MA, WA, FL, MI, OH, WV, GA, MN, OK, WI, HI, MS, OR, WY, ID, MO, PA,

Monumental Life Insurance

A+

Flexible Benefit Plus

18 - 89

$200 (most states); $300 (some states)

Monumental Life Insurance

0, 20, 60 & 90

$50,000 to $250,000 in $25,000 increments; $375,000 & Unlimited.

363

553

1251

3375

5713

Monumental Life Insurance

10% off of Individual Preferred Rates.

All Levels,

(1)Rates also include coverage for alternate care facilities (e.g. assisted living facilities) @ 100% of the daily nursing home benefit. (2)Lifetime maximum benefit is a single pool.

Monumental Life Insurance

0 Days is the standard option

Cognitive Impairment; two out of six ADLs;

Yes

N/A

Monumental Life Insurance

This is a comprehensive, federally tax qualified long-term care insurance policy that is based on incurred expenses and has a single pool of dollars as the lifetime maximum benefit. Coverage is provided for confinement in an alternate care facility as well as a nursing home and first day coverage for home health care.

Adult Day Care, Alternative Plan of Care, Care Coordination, Guaranteed Purchase, Home Health Care, Inflation Protection, Non-forfeiture, Restoration of Benefits, Waiver of Premium,

AK, AL, AR, IL, MT, RI, IN, NE, SC, AZ, IA, NV, SD, KS, NH, TN, CA, KY, TX, CO, LA, NM, UT, CT, ME, VT, DE, MD, NC, VA, DC, MA, ND, WA, FL, MI, OH, WV, GA, MN, OK, WI, HI, MS, OR, WY, ID, MO, PA,

Mutual Protective Insurance Co.

B

Versatile Care

18 - 89

$300

Mutual Protective Insurance Co.

0, 30 and 90 days

2,3,4,5yrs and life

732

900

1,076

3,552

5,808

Mutual Protective Insurance Co.

20%

All Levels,

Mutual Protective Insurance Co.

0, 30 or 90 days

Cognitive Impairment; 2 out of 6 ADLs

Yes

varies

Mutual Protective Insurance Co.

Adult Day Care, Alternative Plan of Care, Bed Reservation, Caregiver Training, Equipment Purchase/Rental, Guaranteed Purchase, Home Health Care, Inflation Protection, Non-forfeiture, 10-year Paid-up Option, Respite Care, Restoration of Benefits, Return of Premium, Survivorship, Waiver of Premium,

IL, MT, IN, NE, SC, AZ, IA, NV, SD, KS, NH, TN, KY, CO, LA, NM, UT, ME, DE, NC, ND, WA, FL, MI, OH, GA, OK, WI, MS, WY, ID, MO, PA,

New York Life Insurance Co.

A++

LTC Select Plus

18 - 85

$300

New York Life Insurance Co.

20, 90, 180

2,3,4,5, Lifetime

308

584

1224

2832

4926

New York Life Insurance Co.

10%

All Levels,

Home health care, adult day care, waiver of premium, alternate plan of care, respite care, Inflation protection, caregiver training, bed reservation, guaranteed purchase, nonforfeiture, care coordination, equipment purchase/rental, nonprofessional/family care

New York Life Insurance Co.

20, 90, 180

Cognitive Impairment; 2 out of 6 ADLs;

Yes

N/A

New York Life Insurance Co.

DME - $4000.00

Adult Day Care, Alternative Plan of Care, Bed Reservation, Care Coordination, Caregiver Training, Equipment Purchase/Rental, Guaranteed Purchase, Home Health Care, Inflation Protection, Non-forfeiture, Non-professional/Family Care, Respite Care, Waiver of Premium,

AK, AL, AR, IL, MT, RI, IN, NE, SC, AZ, IA, NV, SD, KS, NH, TN, CA, KY, NJ, TX, CO, LA, NM, UT, CT, ME, NY, VT, DE, MD, NC, VA, DC, MA, ND, WA, FL, MI, OH, WV, GA, MN, OK, WI, HI, MS, OR, WY, ID, MO, PA,

Northwestern LTC Insurance Co.

A++

QuietCare RS

18 - 79

$250 ($300 in some states)

Northwestern LTC Insurance Co.

46 days,91 days,181 days

3 year, 6 year, Lifetime

1500

1555

1600

1650

1700

Northwestern LTC Insurance Co.

15%

All Levels,

Northwestern LTC Insurance Co.

Medical Necessity; Cognitive Impairment;

No

40%

Northwestern LTC Insurance Co.

Guaranteed Purchase, Home Health Care, Inflation Protection,

AK, AL, AZ,

Physicians Mutual Insurance Co.

A

Vista Care P104

18 - 84

$300

Physicians Mutual Insurance Co.

0, 30, 60, 90, 180, 365 days

2, 3, 4, 5, Lifetime

0

Physicians Mutual Insurance Co.

All Levels,

The basic policy design is a single pool of money (dollar-based benefits) that pays a MONTHLY benefit vs. a daily benefit. Minimum is $1.500 and maximum is $9000.

Physicians Mutual Insurance Co.

0