4 calculators in this category
- Disability Elimination Period CalculatorChoosing a longer elimination period on a disability policy is the cheapest premium reduction on the quote sheet, and it is the…
- Own-Occupation vs Any-Occupation Disability CalculatorThe definition of disability decides whether a policy pays, and it is worth more than any other clause on the contract. Under a…
- Long-Term Care Cost Projection CalculatorA care episode that starts twenty years from now is not priced at today's daily rate. Care costs are driven by wages in a…
- Long-Term Care Inflation Rider CalculatorA long-term care policy bought at 55 and claimed at 85 is only worth what its daily benefit has grown to by then, which is why…
Which one do you need?
- Disability Elimination Period Calculator
- Price a longer disability waiting period against the reserve it demands: income uncovered, cash required, lifetime premium saved and the break-even claim count.
- Own-Occupation vs Any-Occupation Disability Calculator
- Quantify what an any-occupation definition costs a specialist: lifetime benefit each way, the protection difference and the extra premium per $1,000 of cover.
- Long-Term Care Cost Projection Calculator
- Project the cost of a future care episode at care-cost inflation, then measure it against earmarked assets and the monthly saving needed to close the gap.
- Long-Term Care Inflation Rider Calculator
- Compare a simple and a compound long-term care inflation rider: benefit at claim, the year compound overtakes simple, and the share of care cost each covers.