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🛡️ Strategy 01 · Asset Protection Framework
The C.A.R.E. Needs Calculator
Cover your Assets, protect your Retirement, preserve your Estate. A four-pillar methodology to quantify your LTC exposure and design the right benefit — not too much, not too little.
70%
of Americans turning 65 will need long-term care
$108K
avg. annual nursing home cost in 2026
2.5 yrs
average duration of care need
C
Cover
Identify assets to protect and quantify the exposure
A
Assess
Evaluate your realistic risk profile and family history
R
Right-Size
Design a benefit that fills your specific gap
E
Execute
Buy while healthy — waiting has a real, quantifiable cost
Interactive Tool · 2026 Edition
C.A.R.E. Four-Pillar Analysis
Answer 4 short sections to receive your personalized LTC coverage recommendation.
C
Cover
Assets
A
Assess
Risk Profile
R
Right-Size
Benefit Gap
E
Execute
Policy Design
✉
Your Info
Contact
Cover — which assets are you protecting?
The C.A.R.E. model starts with a deceptively simple question: which specific retirement assets are you most concerned about losing to long-term care costs? Start by quantifying your exposure.
$400,000
$200,000
Select all that apply
✓
Retirement accounts (IRA / 401k)Typically the largest pool at risk from extended care costs
Home equity / primary residenceProtect against Medicaid estate recovery after death
Taxable investment accountsAvoid forced liquidation at inopportune times
Estate / inheritance for heirsPreserve wealth transfer to the next generation
Step 1 of 5
Assess — evaluate your realistic risk profile
Age, gender, family history, and current health determine how much LTC exposure you carry. The same factors LTC underwriters use — the more accurate your inputs, the more useful your results.
57
Women face higher LTC risk and are rated at higher premiums for traditional policies.
Male
Female
Married / partnered
Single
Yes — parent or sibling
No known history
Unknown
Be honest — health conditions affect both insurability and the right policy type.
Excellent
Good
Fair / managed conditions
Step 2 of 5
Right-Size — design a benefit that fills your gap
The goal is precision, not maximum coverage. Rather than purchasing the most coverage possible, the C.A.R.E. model targets the benefit that protects your most vulnerable assets — and nothing more.
Tip: If a couple has $400,000 in retirement savings and estimates a 3-year care event could consume $300,000, a policy providing a $300,000 lifetime benefit pool is the target. Costs above that threshold are self-funded.
Genworth 2026 Cost of Care Survey data by care type and region.
Rural ~$3,500/mo
Suburban ~$5,000/mo
Urban ~$7,500/mo
High-cost metro ~$10,000/mo
At home (preferred)
Assisted living
Skilled nursing facility
3 yrs
$0
For buyers more than 15 years from likely need, 3% compound is typically worth the added premium.
None
3% simple
3% compound (recommended)
Step 3 of 5
Execute — buy while you're healthy and insurable
Waiting is not neutral — it has a real and quantifiable cost. A health change after age 60 can eliminate your options entirely. This step surfaces your policy type, cost-of-waiting, and spouse discount eligibility.
Your risk profile and health status may affect which option is best.
Traditional standalone LTCAnnual premium · Use-it-or-lose-it · Largest benefit per dollar
✓
Hybrid life / LTC (most popular)Guaranteed premiums · Death benefit if unused · Single or annual premium
Asset-Based LTC (ABLTC)Most lenient underwriting · Ideal for older buyers or impaired risk
CDs, savings, non-qualified annuities earning minimal returns are prime candidates for a hybrid policy via 1035 exchange.
Yes — potential 1035 exchange or lump sum
No — prefer annual premium payments
Applying together typically earns a 10–30% couple's discount and opens up Shared Care rider options.
Yes — applying together
No / not applicable
Step 4 of 5
Almost there — where should we send your results?
Your personalized C.A.R.E. analysis is ready. Enter your contact details and a licensed specialist can follow up with live carrier quotes tailored to your profile.
Used to confirm your age for underwriting purposes.
By submitting, you agree to be contacted by a licensed Quote-Bot specialist by phone, SMS, or email to follow up on this request. You can opt out any time. We never sell your information. You also agree to our Privacy Policy and Terms of Service.
Step 5 of 5
Your personalized C.A.R.E. analysis · 2026
Long-Term Care Needs Summary
Illustrative estimates based on your inputs — actual premiums require carrier underwriting.
If benefits unusedAccount value or death benefitNamed beneficiaries
UnderwritingMost lenientIdeal for impaired risk
Couple's discount—
State Partnership3✗ NoABLTC policies don't qualify
Cost of Delay
Est. deposit now2—
One-time deposit—
Deposit at age ——
Extra cost of waiting—
Insurability at ——
Asset Protection
Retirement assets—
Pool / assets—
Cost / assets—
Payment flexibility: Also available as 5 pay, 10 pay, 20 pay, or Pay to 95 (subject to age availability).
Run your C.A.R.E. analysis with a licensed specialist
Your calculator results are a starting point. Our licensed LTC advisors can pull live carrier quotes, compare all three solutions side-by-side, and design a benefit that fits your exact situation — with no sales pressure.
Illustrative figures only. Actual premiums vary by age, health, carrier, state, and benefit design. Quote-Bot is a licensed insurance agency. This calculator does not constitute an insurance offer, guarantee of coverage, or financial advice. Always review a policy's full terms and conditions before purchasing. QB Insurance LLC dba Quote-Bot · Licensed in all 50 states.
1 Your LTC risk level is based upon the Gender, Family History, Age, Health Status, and Marital Status you selected in this calculator. It is for illustrative purposes only and does not constitute a clinical assessment or underwriting determination.
2 These values represent average costs and are not reflective of any specific carrier. Your actual results could be less than or greater than these results. Please work with your Quote-Bot agent to customize the right solution for your budget.
3 Traditional LTC, if designed properly, is eligible for State Partnership to help preserve your assets. Please discuss this with your Quote-Bot agent.
Let's check this before we start
Three things to confirm and we can get your application moving. It
takes about a minute, and nothing is submitted to a carrier yet.
The contract you chose
You
Change anything that is not right — this is what
goes on the application.
Where you live
A carrier issues the contract to an address, so we
cannot start without one.
Who owns it
On an annuity the owner and the person it is
measured on can be different people, and it changes how it is taxed
and what happens on death.
Who receives it
Your beneficiaries, and what share each one gets.
Shares have to add up to 100.
No signature, no payment, and nothing goes to a
carrier. One of our advisors will call you to confirm.
Thanks — we have it.
A Client Solutions Advisor will be in touch. Nothing is submitted to a
carrier yet, and nothing happens to your cover until you say so.
