Self-Insuring Calculator
Use the calculator below to see how paying premiums for a Unum Long Term Care policy compares to investing the same dollar amount based on your interest rate percentage and years of investing.
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Monthly Premium
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Unum LTC Benefit*
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Premium Invested
In 10 years |
Premium Invested
In 20 years |
Premium Invested
In 30 years |
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Select age
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$24,000 (2 year duration, $1,000 monthly benefit)
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$
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$
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$
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$
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Select age
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$72,000 (2 year duration, $3,000 monthly benefit)
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$
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$
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$
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$
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Select age
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$288,000 (4 year duration, $6,000 monthly benefit)
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$
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$
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$
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$
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Spouse Monthly Premium
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Select age
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Select age
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Select age
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Total Monthly Premium Without Marital Discount
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Select age
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Select age
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Select age
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Total Monthly Premium With Marital Discount
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Select age
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Select age
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Select age
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Monthly Premium
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Select age
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Unum LTC Benefit*
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$24,000 (2 year duration, $1,000 monthly benefit)
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Spouse Monthly Premium
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Select age
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Total Monthly Premium Without Marital Discount
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Select age
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Total Monthly Premium With Marital Discount
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Select age
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Monthly Premium
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Select age
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Unum LTC Benefit*
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$72,000 (2 year duration, $3,000 monthly benefit)
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Spouse Monthly Premium
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Select age
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Total Monthly Premium Without Marital Discount
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Select age
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Total Monthly Premium With Marital Discount
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Select age
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Monthly Premium
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Select age
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Unum LTC Benefit*
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$288,000 (4 year duration, $6,000 monthly benefit)
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Spouse Monthly Premium
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Select age
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Total Monthly Premium Without Marital Discount
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Select age
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Total Monthly Premium With Marital Discount
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Select age
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*For more information on the Unum plan, click here.
In the event of a discrepancy between the premiums shown here and the carrier rate calculation, carrier's information will prevail.