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Financial Tools - Risk Analysis


Risk Analysis Inputs
Current Age:
Age of Claim:
Duration of Claim:
Daily Cost $ 
Annualized Premium $ 
Rate of Return

Input Fields:

Daily Benefit: Amount of LTC Daily Benefit you are purchasing.

Premium: The monthly premium you are thinking of paying, usually determined by the Premium Calculator. The program will internally convert this to an annual premium deposit for calculation purposes.

LTC Inflation: The inflation option you have chosen for your LTC Plan. A dropdown box gives you a choice

  • None: A choice of no inflation benefit applied to your original Daily Benefit

  • Simple: The original Daily Benefit is increased by 5% each year of the original benefit chosen. For example, 5% Simple on an original daily benefit of $100 per day would increase the benefit each year by $5 on policy.

  • Compound: The original Daily Benefit grows by a 5% compound interest rate each year at policy anniversary. The 5% is applied to the total amount of benefit each year.

Age of Claim: Your age when you will start requiring benefit payouts.

Benefit Period: The Policy Benefit Period you have chosen in you policy design.

Rate of Return on investment: A drop down box which allows you to choose an assumed rate of return on your LTC premiums if you were to self-insure and invest your premiums instead. You have a choice of a compounded investment return from 0 to 10% per year. anniversary.

Disclaimer: Insurance products are offered through insurance companies with which we have sales arrangements. Not all products/features may be available in your state. Check with your Accountant or Tax professional on the tax issues associated with Long-Term Care insurance purchase and benefits. Associates of Clifton Park are not a part of Raymond James & Associates. Securities offered through Raymond James & Associates, Inc. Member FINRA/SIPC

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