Celuvra

Simple, transparent pricing

Know Your LTC Strategy. Pay Per Report.

Start free with a basic risk assessment. Purchase detailed reports with Monte Carlo analysis, 3-strategy comparison, tax optimization, and partnership program analysis.

Free

Basic risk assessment

$0
  • LTC probability by age
  • Estimated care cost in your state
  • Basic risk summary
  • No Monte Carlo simulation
  • No strategy comparison
  • No downloadable report
Get Started Free

Single Report

One comprehensive analysis

$9one-time
  • 1 full LTC strategy report
  • Monte Carlo simulation (10K runs)
  • 3-strategy comparison
  • Tax efficiency analysis
  • Partnership program analysis
  • Downloadable PDF
Buy Report - $9
Best Value

Report Pack

5 reports for scenarios

$29one-time
  • 5 full strategy reports
  • Everything in Single Report
  • Compare different ages of purchase
  • Compare benefit levels
  • Couples planning analysis
  • Save $16 vs buying singles
Buy 5-Pack - $29

Frequently Asked Questions

What does a report include?
Each report includes Monte Carlo simulation (10,000 scenarios), 3-strategy comparison (buy LTCI, self-insure, hybrid), tax efficiency overlay, partnership program analysis, Markov health state modeling, and a personalized recommendation with confidence intervals.
How accurate are the estimates?
Our models use SSA actuarial life tables, CareScout cost-of-care survey data, HHS/ASPE LTC need projections, and published Markov transition rates. Monte Carlo simulation provides probability distributions rather than single-point guesses. Always consult a licensed insurance agent.
When should I use this tool?
The ideal window for LTC planning is ages 50-65 when LTCI premiums are most favorable. Run multiple scenarios to compare purchasing at different ages, with different benefit levels, and with or without a spouse.
Do credits expire?
No. Report credits and API credits never expire. Use them whenever you need them.
What is your refund policy?
Try the free tier first. All credit purchases are final since credits are delivered instantly. Contact support for technical issues.

Ready to plan your LTC strategy?

One report can save you hundreds of thousands in long-term care costs.

Start Free Analysis

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