MarklyInsurance
    All calculators

    LTC Insurance vs Self-Funding Calculator

    Weigh lifetime premiums against expected out-of-pocket care costs.

    Enter your details

    $
    $
    %
    %
    Self-funding advantage (negative = insurance better)
    $102K
    Premiums with growth (FV)$150K
    Expected care cost$252K
    Total care if needed$360K

    If expected care costs exceed the future value of premiums, insurance is the better bet. Self-funding works for those with substantial assets who can absorb a multi-year care event.

    Related Long-Term Care Insurance calculators