LifeBridge LTC

Carrier Comparison · 5 Claim Scenarios

Optimus Life Designs
The Pepsi Challenge

Would you buy home insurance without knowing your maximum payout?

Two policies. Same couple. Same funding target. Five real claim scenarios — pulled directly from compliant carrier illustrations. In every scenario, LifeBridge pays the family more. The only question is by how much.

1.7×
No claims
2.3×
10-year claim
1.9×
Survivor
3.5×
Joint 4-year
5.2×
Joint lifetime
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Sample Couple
Greg & Linda
Ages
M65 / F66 Preferred Non-Tobacco
Funding Target
~$300K solution-equivalent
State
MD illustration
Live Comparison
Scenario

Pick a future. See what the policy actually pays.

Five life paths, each modeled directly from the carrier illustrations. Click any tab to see how each policy responds — what's paid, when it runs out, and what's left for heirs.

LifeBridge by OPTIMUS
North American IUL + OneAmerica Asset Care
6-pay accumulation IUL stacked with the OneAmerica LTC hybrid — the Optimus solution.
Total Paid to FamilyLTC + Death Benefit
—
Nationwide
CareMatters Together®
Single-premium linked-benefit policy — fixed pool of LTC dollars, capped death benefit.
Total Paid to FamilyLTC + Death Benefit
—
"

Joint lifetime claim: the gap is more than 5×

Both spouses qualify for care at age 86. OneAmerica continues paying $413K/year for life. Nationwide pays $150K/year for eight years, then nothing but the $44K minimum death benefit.

5.2×
More paid to family
The Visualization

Cumulative dollars paid to the family

Year-over-year cumulative payments — LTC benefits, death benefit, both. Watch where each line stops climbing. That's the moment the policy is done.

Joint lifetime claim, age 86 onward

Cumulative dollars paid out by the policy.

LifeBridge by OPTIMUS
Nationwide CareMatters
Legacy

Death benefit standing year by year

What's left for heirs at every age. Nationwide stays flat or drains. OneAmerica keeps building.

Standing death benefit

What heirs would receive if the second insured died this year.

LifeBridge by OPTIMUS
Nationwide CareMatters
The Receipts

Year-by-year ledger

Sourced directly from compliant carrier illustrations. LifeBridge values use the OneAmerica + North American non-guaranteed 6.8% growth illustration. Nationwide values are the guaranteed 1.00% interest rate scenario.

Joint Lifetime Claim — Both Spouses on Care from Age 86

Click to expand the full 35-year ledger. Claim years highlighted gold, death years in red.

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Year Age LB Cash Flow LB Death Benefit LB Cash Value NW Cash Flow NW Death Benefit NW Cash Value

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