This is a complete reference guide for the LifeBridge LTC Visualizer — a presentation tool designed to run live in front of clients and advisors. It has three modes, each serving a specific purpose in the conversation. This guide covers what every section shows, how to enter a client's data, and the recommended sequence for a meeting.
The tool runs entirely in a browser. No login, no install. Load the link, enter the numbers, and present.
Portfolio Risk Analyzer · Optimus Life Designs
Top left (hero tile): The client's current portfolio ($2M) with a mini sparkline showing all four scenarios diverging. Three numbers sit below it — best case, worst case, and the gap between them.
Top right (stat column): The three most important numbers in the conversation. No LTC: $6.27M. Both LTC: Depleted at 94. Total LTC draw: $4.66M. These hit fast without any chart reading.
Middle row: Annual Portfolio Draw shows whether the client is already near the edge before any care event. LTC Cost Breakdown shows the invisible tax cost (23% extra pulled from the IRA just to net the dollars for care). Portfolio Resilience — when it shows 0%, the room goes quiet.
Scenario Tracker (bottom): Four bars comparing every scenario as a percentage of the no-event baseline. The visual contrast between the full green bar and the near-empty red bar tells the story without words.
Portfolio Risk Analyzer · Optimus Life Designs
Scenario dots (top of chart): Four colored pills — click any one to add or remove that scenario line from the chart. Start with just the green "No LTC Event" line, then add scenarios one at a time.
The chart: A timeline from the client's current age to age 100. Green rises steadily — that's the money with nothing going wrong. Orange diverges at age 83, when Spouse 1's claim starts, and drops sharply. The wider that gap, the bigger the conversation.
Right panel: Three stat cards always visible — the baseline, the worst active scenario, and the total LTC draw. The insight bar at the bottom auto-writes the story in plain English so you don't have to narrate numbers from the chart.
Stress Test bar (bottom): One-click presets. "Market Stress" adds income inflation and periodic market corrections, making the case even more compelling. Use it after showing the initial scenario.
Portfolio Risk Analyzer · Optimus Life Designs
The chart — four lines: The solid dark green line is total family wealth (portfolio + death benefit combined). The dashed light green line shows the portfolio balance alone. The dashed gold line shows the death benefit growing over time. The red line is the unprotected portfolio — it hits zero before age 95.
Pillar 1 — Income Protected: The portfolio keeps growing throughout retirement because it never has to pay a care bill. At age 95: $3.62M versus depleted at age 94 if unprotected.
Pillar 2 — Care Covered: The policy pays care costs directly. The LTC benefit starts at $114,348 per spouse per year and grows at 3% annually — reaching $206,525 per spouse by age 85. Both spouses combined: $413,050/year of care covered.
Pillar 3 — Legacy Secured: These numbers come directly from the compliant LifeBridge illustration. The death benefit net of loan is $1,078,713 at age 95, growing to $1,350,357 at age 100. This passes to heirs regardless of whether care was ever needed.
From Illustration fields (sidebar): When you have a real illustration for a client, type the LTC benefit and both death benefit numbers directly into the sidebar. The three pillars update instantly.
| Client Type | Choose Couple, Single Male, or Single Female. This controls which scenarios and inputs appear. |
| Client Name | Optional. If entered, it appears in the header as a badge during the presentation. |
| Spouse 1 / Spouse 2 Ages | Type any age 45–85. Click away and the field validates. Color-coded: orange for Spouse 1, blue for Spouse 2. |
| Annual Growth Rate | Drag the slider from 3–10%. This is the assumed portfolio return. Use the advisor's expected rate for this client. |
| Total Investable Assets | The client's full investable portfolio — the starting balance for all projections. |
| Guaranteed Monthly Income | Social Security, pension — any income that arrives regardless of portfolio performance. |
| Monthly Income Needed | Total monthly retirement expenses. The gap between this and guaranteed income is the annual portfolio draw shown below the field. |
| Tax Rate on IRA Distributions | 25%, 30%, 35%, or 40%. This controls how much extra the portfolio must distribute to net the LTC dollars from a tax-deferred account. |
| Spouse 1/2 LTC Age & Duration | Age when the claim starts (slider), and how many years it runs (1–12). These default to realistic ages but should match the client's situation. |
| Income Inflation | 0%, 2%, or 3%. If set above 0%, the client's income need grows every year — which drains the portfolio faster even without any LTC event. |
| Market Corrections toggle | When on, applies a −20% portfolio correction every 12 years — modeling realistic market cycles rather than straight-line growth. |
| Total Policy Allocation (Shield) | The total premiums paid into the LifeBridge policy over the funding period. From the Greg & Linda illustration: $562,504. |
| Funding Period (Shield) | How many years premiums are paid. After this, the portfolio stops funding the policy and grows freely. |
| LTC Benefit / Death Benefits (Shield) | Enter directly from the compliant LifeBridge illustration for this client. The three-pillar view updates instantly. |