The usual way

Most group LTC works like a subscription.

Yr 1 $ Yr 2 $ Yr 3 $ Yr 4 $ …forever
Stop paying →coverage gone ×

A better structure

Pay for ten years. Then never again.

Premiums paid 0 / 10
$1
$2
$3
$4
$5
$6
$7
$8
$9
$10
✓ PAID UP

Portable from day one — it stays with them through every job change.

Why employers offer it

Three advantages.

01

Guaranteed Issue

Every eligible employee accepted, without medical underwriting — something they can't get on their own.

02

Flexible Funding

Cover all of the premium, share the cost, or simply enable access to the group rate.

03

A Real Finish Line

Employees who stay ten years walk away with a permanent, fully paid benefit.

Run the numbers

10-pay vs. traditional LTC.

Age38
Coverage$250,000
Schedule10-pay
TobaccoNo
10-Pay · paid-up$82,080
Lifetime-pay · by age 100$173,352

Illustrative. ~2 minutes to run your whole workforce.

Run your quote.

quote.hollowtree.us

…or book a call, and we'll walk through it together.

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