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    Hybrid Life/LTC Policy Calculator

    Weigh the single premium of a hybrid asset-based policy against standalone LTC premiums.

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    Standalone cost advantage (negative = hybrid better)
    -$18,977
    Standalone premiums (FV)$150K
    Hybrid premium (FV)$169K
    Hybrid LTC benefit pool$200K

    Hybrid policies offer a death benefit if LTC isn't used and aren't lapse-prone, but require a large upfront premium. Standalone LTC is cheaper annually but has rate-increase risk.

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