Current users can download a free update now. 

Version 1.92 Update

New for the Executive Market

Illustrate benefit of tax deductions during working years versus retirement years. Version 1.92 allows two tax periods of any length ...... with each assuming different deduction percentages.

Powerful tools to answer tough client questions!

• Why buy insurance when I can invest the premium and pay own costs?
• If I buy insurance, when do I get my money back?
• How do I figure out benefit choices that make sense financially?
• Am I better off with one of the limited premium payment options?
• Considering time value of money, does return of premium make sense?
• If my premium goes up in the future, will insurance still be a good deal?
• Will you explain your benefit recommendations to my CPA?

New: Scenario Summary with Graphic New report with a powerful graphic message, and a summary of care cost impact, if no insurance and with insurance.
New: Scenario Assumptions & Key Projections with Graphic New report detailing scenario input and details of major components in calculating care cost if no insurance, benefits, co-payments, premium and net care cost with insurance.
New: Net Present Value (NPV) and Internal Rate of Return (IRR) Report illustrating and explaining NPV and IRR relevance in LTCi NPV and IRR data added to Compare Scenario Report NPV and IRR added to instant calculations in Quick Entry Form
Expanded: Premium Break Even Added to Benefit Design Report For most scenarios, it dramatically illustrates the quick payback of insurance and the small amount of care that could be purchased if premium were deposited to a side fund investment. Expands information in NPV and IRR.
New: LTC Analysis Decision Process Overview New text report introducing clients to LTC analysis concepts and options.
New: Scenario Compare Process Overview An explanation of the range of analysis that can be completed when scenarios are developed, enabling apples and apples comparisons.

Additional User Options

Premium Investment Opportunity Cost

This option allows the user to select their preference regarding duration of premium investment opportunity cost. The choice is either all years of the plan period or to the premium break-even point. Premium break-even is the point in time all premium dollars plus loss of investment opportunity to that point in time has been returned to the client in the form of claim payments.

Page Numbers Print Option

This option allows the user to include or exclude page numbers from report pages. It can be set as a default or with each print selection.

Scenario Assumption Parameter Changes

• Daily Benefit - Automatic Premium Calculation: Extended to $500
• Care Event Range - Now Includes -0- Years
• Premium - Now includes -0- Premium
• Premium Tax Deduction/Credit - Now 0% to 100%

Several of the above parameter changes were made to assist in creating multiple scenarios for special planning circumstances. These include, but are not limited to employer/employee positions and illustrating multiple care events.

Free Download and Purchase Options

Attention Current Model Users: You can download a free update now.

If you prefer to order an upgrade on CD, we will send you one for a
production and handling charge of $35.

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Order Installation CD and First 18 Month Subscription Now