A policy analysis for ultra-high-net-worth families seeking concierge-level coverage — $40,000 per month per insured, guaranteed death benefit, and a single one-time premium.
Figures based on a policy illustration dated June 7, 2026, for insureds aged 55, Preferred Non-Tobacco, California. Individual results will vary.
This single-premium hybrid LTC policy is designed for families who want concierge-level care — private rooms, private-duty nursing, and facility choice without restriction — funded by a one-time capital repositioning rather than ongoing premiums.
This policy produces a guaranteed positive outcome in every scenario:
Income-tax-free to heirs. The premium is not an expense — it becomes a larger legacy.
All LTC benefits received income-tax-free. No benefit cap — coverage continues for life.
High-net-worth families often assume wealth alone solves the LTC problem. The arithmetic says otherwise:
At $80,000/month in joint concierge care costs, the entire $523,878 premium would be consumed in 6.5 months of self-funded care. The policy provides protection for up to 30 years — at the same cost.
For a C Corporation owner, the LTC premium portion of $283,244 may be fully tax-deductible. At a 30% effective rate, this produces an estimated tax saving of $85,000, substantially reducing the effective capital deployed:
| Cash Flow Item | Amount |
|---|---|
| Single Premium | $523,878 |
| Less: Immediate Cash Surrender Value | ($273,869) |
| Net Capital at Risk | $250,009 |
| Less: Income Tax Savings on LTC Premium of $283,244 (C-Corp est.) | ($85,000) |
| Net Capital at Risk After Tax Benefit | $165,009 |
High-net-worth families often assume wealth alone solves the LTC problem. In practice, an uninsured extended care event at concierge rates does not merely reduce net worth — it disrupts retirement income, eliminates legacy assets, and places the financial burden of care decisions on the family rather than a professional insurer.
A $523,878 premium securing up to $28,800,000 in potential benefits over 30 years — with a $960,000 guaranteed floor if care is never needed — is not an insurance expense. It is a precision capital allocation.
“I would be pleased to walk through a personalized illustration of concierge care. The discussion typically takes 20 minutes.”— Withbert W. Payne, CPA, CGMA, FCA • (925) 708-6501
Ready to see a personalized illustration for your situation? Contact us today — all reviews are complimentary.
