How much tax-free LTC benefit does $100K really buy?

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.