That is a good question regarding how they are able to leverage $50k into $91k in LTC benefits for an 80yo. Ask that same question to the agent and they should be able to get a detailed answer from the Lincoln sales rep or home office. You will also want to ask if both the death benefit and LTC benefit amount is guaranteed or if it can drop because of poor interest rate performance.
My guess is that actuaries have looked at the life expectancy and also the likelihood of one going on a LTC claim at this age. They know the odds are in favor that an insured dies without any LTC claims therefore they are paying out that smaller DB amount. Even if they have someone go on LTC claim, only so much is paid out a year. That gives tinsurance company even more time to invest the original $50k premium in their bond portfolio.
