Keiber Retirement Solutions, Inc.

Financial Tools - Risk Analysis



Risk Analysis Inputs
Current Age:
Age of Claim:
Duration of Claim:
Daily Cost $ 
Annualized Premium $ 
Rate of Return

Input Fields:

Daily Benefit: Amount of LTC Daily Benefit you are purchasing.

Premium: The monthly premium you are thinking of paying, usually determined by the Premium Calculator. The program will internally convert this to an annual premium deposit for calculation purposes.

LTC Inflation: The inflation option you have chosen for your LTC Plan. A dropdown box gives you a choice

  • None: A choice of no inflation benefit applied to your original Daily Benefit

  • Simple: The original Daily Benefit is increased by 5% each year of the original benefit chosen. For example, 5% Simple on an original daily benefit of $100 per day would increase the benefit each year by $5 on policy.

  • Compound: The original Daily Benefit grows by a 5% compound interest rate each year at policy anniversary. The 5% is applied to the total amount of benefit each year.

Age of Claim: Your age when you will start requiring benefit payouts.

Benefit Period: The Policy Benefit Period you have chosen in you policy design.

Rate of Return on investment: A drop down box which allows you to choose an assumed rate of return on your LTC premiums if you were to self-insure and invest your premiums instead. You have a choice of a compounded investment return from 0 to 10% per year. anniversary.


Disclaimer: This site is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security which may be referenced herein. These are the views of Associates of Clifton Parks, Long-Term Care specialists, and not necessarily those of the named representative, Broker-Dealer or Investment Advisor, and should not be construed as investment advice.

Insurance products are offered through insurance companies with whom KRS associates have sales arrangements. Not all products/features may be available in your state. Check with your Accountant or Tax professional on the tax issues associated with Long-Term Care insurance.

Securities and advisory services are offered through Level Four Financial, LLC, Member FINRA/SIPC. Keiber Retirement Solutions, Inc. is not owned or operated by Level Four Financial, LLC. Nor is Associates of Clifton Parks affiliated with Level Four Financial, LLC.

Level Four Financial, LLC advisors may only conduct business with residents of states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state.