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​COMPARE USING OUR QUICK CALCULATOR​
With the insurance plan, your rates are based on your age (you lock in your rates at that age), your tobacco use, and the amount of coverage. Premiums are stable.
With the state's program, your rates are based on your salary and as your wages increase during your lifetime so too will your tax burden.

Calculate your Premium, as well as your Washington State Tax, using our easy calculators below.
Note that this calculator provides estimated rates for our carrier's Group Whole Life with LTC rider program.
FOR THE INSURANCE RATE:  Enter your AGE, whether you are a TOBACCO USER, and the amount of LIFE coverage you would like.
FOR THE STATE TAX:  Enter your ESTIMATED WAGES and your AGE.
1.  Employee can choose from $40,000 to $250,000 in benefits.  If an employee enrolls, their spouse can also enroll.
       Working spouse can choose from $40,000 to $150,000 in benefits.  Non-working spouse can choose from $40,000 to $50,000 in benefits.
2.  If older than 55, this figure assumes 10 years of payments/accumulation.
3.  Tax assumes you receive a wage increase of 2% every year.  If older than 55, this figure assumes 10 years of tax payments.
​WHAT IS CASH VALUE?
The insurance program includes Cash Value, which is an investment-like savings account; it earns interest and grows tax-deferred. 
There are a number of ways that you can access the Cash Value of the policy. 
  • Take out a loan and pay the account back over time with interest
  • Withdraw part of the amount for emergencies
  • Use part of the amount to pay for premiums
  • Cash out the entire amount and surrender (cancel) the policy

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  • Home
  • Products
  • Benefits Webinars
  • Blog
  • WA State Long Term Care
    • The TBA Alternative
    • More LTC Info
    • LTC Calculator
  • Our Story
    • Fan Page
  • Contact
  • Agent Login