How Long Will It Take On Claim To Recoup Premiums Paid

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Hypothetical Annual Premium of $3,6601
Age Premiums Paid Daily Benefit
5% Compound		 Number of Days on Full Claim
to Recoup Premiums Paid2
52
$3,660
$400
9
53
$7,320
$420
17
54
$10,980
$441
25
55
$14,640
$463
32
56
$18,300
$486
38
57
$21,960
$510
43
58
$25,620
$536
48
59
$29,280
$563
52
60
$32,940
$591
56
61
$36,600
$621
59
62
$40,260
$652
62
63
$43,920
$685
64
64
$47,580
$719
66
65
$51,240
$755
68
66
$54,900
$793
69
67
$58,560
$833
70
68
$62,220
$875
71
69
$65,880
$919
72
70
$69,540
$965
72
71
$73,200
$1,013
72
72
$76,860
$1,064
72
73
$80,520
$1,117
72
74
$84,180
$1,173
72
75
$87,840
$1,232
71
76
$91,500
$1,294
71
77
$95,160
$1,359
70
78
$98,820
$1,427
69
79
$102,480
$1,498
68
80
$106,140
$1,573
67
81
$109,800
$1,652
66

1. Interest credited at the end of the year. Hypothetical premium based on $ $400/Day, 100% Home Health, Three Year, 5% Compound Inflation Rider and 90 Day Elimination Period with Spousal & Preferred Discounts. Policies vary, consult your agent about specific plan design and premiums for your individual situation.

2. These numbers are after the satisfaction of the 90 Day Elimination Period.