Care Gap & Funding Estimator

Calculate your monthly care deficit, see how long savings will last with inflation, and explore capital savings with an Immediate Care Plan.

Individual's Current Age: 82

Estimated Monthly Care Cost: $6,500

Guaranteed Monthly Income (Pension/Social Security): $2,500

Liquid Assets / Savings Dedicated to Care: $250,000

Monthly Care Gap

$4,000 / mo

Annual Deficit

$48,000 / yr

Savings Depletion Time

4 Yrs, 8 Mos

Assumes 3.5% annual care inflation

Standard Annuity

Standard SPIA

Based on standard age-adjusted payout rates (non-underwritten)

Est. Capital Required:

$466,019

Est. Payout Rate: 10.3%

Medically Underwritten

Immediate Care Plan

Substantially lower premium required due to medical underwriting

Est. Capital Range (2x to 4x Efficiency):

$116,505 - $233,010

Up to 75% Capital Savings

Get Your Customized Care Plan

Call Care Funding Ray for your individual, customized plan designed specifically for your family's care needs.

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*For illustration purposes only. Not a guaranteed offer. Inflation calculation assumes a 3.5% annual increase on net care costs. SPIA rates and Immediate Care Plan underwriting results vary based on exact age, gender, state of residence, and individual medical assessment.