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⚠ Educational only · NOT a quote · NOT advice. Numbers are calibrated ballparks based on a published OneAmerica Asset Care illustration for a specific age/sex/health class — your actual carrier-issued illustration will differ based on age, sex, health rating, riders selected, and current carrier rates at placement. §7702B tax treatment requires the contract be a tax-qualified long-term-care insurance policy. §101 death-benefit treatment applies to life insurance proceeds by reason of death. All guarantees subject to claims-paying ability of the issuing carrier. Hans Goldstein is a CA-licensed insurance & annuity producer (NPN 20602398, CA Lic 4445478) and does NOT provide tax, legal, or accounting advice — consult your CPA and elder-law attorney before placing any LTC policy.
Ballpark only. Numbers are calibrated to a published California Asset Care illustration (Female age 70, Preferred Non-Tobacco, $100K single premium: $339K 4-yr pool / $113K death benefit; UNLIMITED LTC / $91K death benefit on the Unlimited plan). Other ages, sexes, health classes, and 10-pay vs single-pay are scaled with standard actuarial factors and will differ from a real carrier-issued illustration. The inflation rider trades upfront leverage for compound growth on the LTC benefit ceiling. §7702B tax treatment requires the contract to be a tax-qualified long-term-care insurance policy. §101 death-benefit treatment is standard for life insurance proceeds paid by reason of death. All guarantees subject to the claims-paying ability of the issuing carrier. Hans Goldstein is a California-licensed insurance & annuity producer (NPN 20602398) and does not provide tax, legal, or accounting advice — consult your CPA and elder-law attorney before placing any LTC policy.
