Amount of
Protected
Monthly Income		 Years Protected
10 years 15 years 20 years 25 years 30 years 35 years 40 years
$2,000 $197,540 $270,384 $330,044 $378,905 $418,922 $451,697 $478,539
$3,000 $296,311 $405,576 $495,066 $568,357 $628,384 $677,545 $717,809
$4,000 $395,081 $540,769 $660,087 $757,810 $837,845 $903,394 $957,079
$5,000 $493,851 $675,961 $825,109 $947,262 $1,047,306 1,129,242 $1,196,348
$6,000 $592,621 $811,153 $990,131 $1,136,715 $1,256,767 $1,355,091 $1,435,618
$7,000 $691,391 $946,345 $1,155,153 $1,326,167 $1,466,229 $1,580,939 $1,674,888
$8,000 $790,161 $1,081,537 $1,320,175 $1,515,620 $1,675,690 $1,806,788 $1,914,157
$9,000 $888,932 $1,216,729 $1,485,197 $1,705,072 $1,885,151 $2,032,636 $2,153,427
$10,000 $987,702 $1,351,921 $1,650,219 $1,894,525 $2,094,612 $2,258,485 $2,392,697
$15,000 $1,481,553 $2,027,882 $2,475,328 $2,841,787 $3,141,919 $3,387,727 $3,589,045
$20,000 $1,975,403 $2,703,843 $3,300,437 $3,789,050 $4,189,225 $4,516,969 $4,785,393
$25,000 $2,469,254 $3,379,804 $4,125,546 $4,736,312 $5,236,531 $5,646,212 $5,981,742
$35,000 $3,456,956 $4,731,725 $5,775,765 $6,630,837 $7,331,143 $7,904,697 $8,374,438
$40,000 $3,950,807 $5,407,686 $6,600,874 $7,578,099 $8,378,450 $9,033,393 $9,570,787
$45,000 $4,444,658 $6,083,647 $7,425,984 $8,525,362 $9,425,756 $10,163,181 $10,767,135
$50,000 $4,938,509 $6,759,607 $8,251,093 $9,472,624 $10,473,062 $11,292,424 $11,963,484
Values in this table represent the present value of a future income stream and are based on a hypothetical rate of return of 4%. If the rate of return were higher or lower, a different value would result.
Guide to Linked Benefit Riders
Carrier Rider Type Max No Lapse Guarantee Waiver of Premium Elimination Period Payout Amount Payout Method Increasing Benefit Option
* no permanancy requirement
AIG Chronic Illness* Lifetime ✔ 90 days Lump sum or Percentage of face amount Indemnity ✔
American National Chronic Illness Lifetime   90 days Discounted Death Benefit Indemnity  
Ameritas Chronic Illness* 15 years   90 days Lein Indemnity ✔
Equitable Life & Casualty Insurance Company LTC 15 Years ✔ 90 days Percentage of face amount Indemnity ✔
Cincinnati Life Insurance Company Chronic Illness Lifetime   0 days Percentage of face amount Indemnity ✔
Columbus Life Insurance Chronic Illness Lifetime ✔ 90 days Lump sum 1-10 years Indemnity ✔
John Hancock Life Insurance LTC Age 100   100 days Percentage of face amount Reimbursement  
Lincoln Financial Group Chronic Illness* Lifetime ✔ 90 days Percentage of face amount
or determined		 Indemnity  
Minnesota Life Chronic Illness* Lifetime ✔ 90 days Percentage offace amount
or Discounted death		 Indemnity  
Mutual of Omaha Chronic Illness* and LTC Age 85 ✔ 90 days Discounted Death Benefit
or percentage of face amount		 Indemnity and reimbursement ✔
North American Company Chronic Illness Lifetime ✔ 90 days Discounted Death Benefit Indemnity ✔
One America LTC Lifetime ✔ 30/60 days Percentage of face amount Reimbursement ✔
Pacific Life Chronic Illness* Lifetime ✔ 90 days Percentage of face amount Indemnity  
Principal Chronic Illness Age 95   0 days Discounted Death Benefit Indemnity ✔
Protective Chronic Illness* Lifetime ✔ 90 days Specified Amount Indemnity  
Prudential Chronic Illness* Lifetime ✔ 0 days Percentage of face amount Indemnity ✔
Symetra Chronic Illness* Lifetime ✔ 90 days Lein or Percentage of face amount Indemnity ✔
Transamerica LTC 15 years Rider Only 90 days Percentage of face amount Indemnity ✔