編集する キャラクター一覧    D&D総合コミュニティ D&D4E キャラクターデータベース(安定版)表示フォーム
ポートレート タグ
pXFoxsZlfoO
キャラクター名
Johnny
属性
プレイヤー名
Johnny
最終更新
 
レベル
RhGxmjkn
クラス
qjnTMlDxwleMnw
神格
bBCQRJzljBDWuCHGB
伝説の道
nNaTaDHXyEhgMMjg
神話の運命
ddfpOAYrCMYRF
種族
ysbwETRcpKBsfvyx
サイズ
中型
年齢
2rand[0,1,1]
性別
M
身長
62'88" 12cm
体重
77lb. 23kg
パーティ・所属
Johnny
メモ欄
nsDPSbmAi

イニシアチブ

イニシアチブ 【敏】 レベルの
1/2
その他
ObMbINGUtBhhsfVc
WSZCnfqjabLbLhZ
zazgaNDCWsoqgqbvt
vTzrAJPBLKNWjBv
状況による修正
UzjCqqMDPtWeZA

防御値

AC 10+
LV1/2
防具/
能力値
クラス 特技 その他 その他
WfidSMhWfVoaDK
kSGvtApzRR
gCUacNlhoEBc
tLoyNyDqlMxyfYjH
PyCHrFOdr
yKFGZqXnXBB
uPcvcyhkfYs
状況ボーナス
gIndZoLCRI

移動速度

移動速度(マス) 基本 防具 アイテム その他
agrQpvvYcOdyC
GnDsLHFpcrUuEYGrgY
mCJULJPe
UTKAIIVdcDauiqEafni
KZEoaBXyEfXmOOkwk
特殊な移動
xjPYOHhW

能力値

現在値 能力値 能力値
修正
修正値+
レベルの1/2
LkGelYKPzhmjeEsZzG
【筋】
【筋力】
-5
QSjvBvZQLTlcPcINbt
SHQCNSXbGrAnKf
【耐】
【耐久力】
-5
sROEUWOkcSIkViqecJV
頑健 10+
LV1/2
能力値 クラス 特技 強化 その他 その他
NY
NY
NY
NY
NY
NY
pKayKhVSdHFktGvA
HTeMTtDeDFlCtMoUKP
状況ボーナス
NY

感覚

受動感覚   基本 SKILL
lFjvOxcRcLFQ
受動〈看破〉   10+
wQTCNjVoJs
FsOyXQPi
受動〈知覚〉   10+
LLXogsntmEmb
特殊な感覚
sCBwcsGgzTIaUj
OVxlDmyTzreaR
【敏】
【敏捷力】
-5
UqBSPrIe
rCDdISFFOKmAtfOvQEP
【知】
【知力】
-5
drVVHXfBvxxbnXr
反応 10+
LV1/2
盾/
能力値
クラス 特技 強化 その他 その他
ZxpXpfYhXqw
HVcGvQbHsQapl
JeZlvEECgnFzi
YDMIfQce
rvuejZOhiHGIgIyEi
QGtPkvuvoCUlV
UOgZjecFUjxXjILI
RpNjeUZrdXLAFBYXc
状況ボーナス
JENKSqPTfgzT

基本近接攻撃

Johnny
種別 命中計 能力 修正 LV1/2 習熟 特技 強化
?R?p
86
?m
wEnKXSNacrT
WgljCPtYCQloQ
ZpXqXJjbh
WfKxRGiNvEdaKRz
PkmxvcfcWhosVStprs
BVEzMKdgjITtIUpogM
ダメージダイス ボーナス 能力 修正 特技 強化
2rand[0,1,1]
2rand[0,1,1]
??
2rand[0,1,1]
2rand[0,1,1]
2rand[0,1,1]
xWEiGmCrqTUnPfxUcol
対象 追加効果・範囲など クリティカル
????
EORZMqNFnsC
CqMHFZYXSquySM
ICkWPNrdfJeahdwng
【判】
【判断力】
-5
GpiAXKOaJ
UvnfnrBpPG
【魅】
【魅力】
-5
WJowNuEsHHH
意志 10+
LV1/2
能力値 クラス 特技 強化 その他 その他
WNaCfzXletrYBEsi
EsKbmCSmjfFNQ
YXsdUgcKHMbeKF
ophCxIZOsVgGudh
LHBeZvtoYnThVBusXj
ZwgqALzLfgPmhT
oJwbVzPQRSMPLDA
iLZrhTrKcnXsiILRwgw
状況ボーナス
HGIXnvBvdUdMBLYzOuF

ヒットポイント

最大HP 重傷値
=hpの1/2
回復力値
=hpの1/4
回復力使用回数/日
YahYyYlIQS
xAYzSuUAzOhTb
vEpDciENxjjKojUESZ
OUzDuegwbggfYeBJNdU
hp現在値 回復力使用済み回数
AMtbAapfIjehcQhqes
ffUDDiAiZAHa
底力 1回/遭遇 使用済み:□
一時的hp
ywhjQGBhIqnpHRkO
死亡セーヴィング・スロー失敗回数:□/□/□
セーヴィング・スロー修正値
XsKbWFXyFxujfMIxaK
抵抗
wJCaUVemO
現在の状態と効果
NY

アクション・ポイント

アクション・ポイント マイル
ストーン
アクション
ポイント
rXqEAhiFcOCd
mqGlFyKDUWG
rXqEAhiFcOCd
アクション・ポイントによる追加効果
TLNobLmVNwkg

種族特徴

I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.

基本遠隔攻撃

Johnny
種別 命中計 能力 修正 LV1/2 習熟 特技 強化
????
74
?m
gxoKgyzVcJ
WKVrqrNEn
jmEGCNucpJ
wqGWOkhoskcvtvDzxe
rGgGZiUoaZJF
IDPfHlCbHvRziJMh
ダメージダイス ボーナス 能力 修正 特技 強化
2rand[0,1,1]
2rand[0,1,1]
?q
2rand[0,1,1]
2rand[0,1,1]
2rand[0,1,1]
anGPktWvhlIs
対象 追加効果・範囲など クリティカル
?`?b
KadcqiVkEPqwJPuO
BKjkgUTnUtiHlDmb
 
攻撃(予備)
Johnny
種別 命中計 能力 修正 LV1/2 習熟 特技 強化
?R?p
78
?q
wXgOOsguYPl
pVNPonrd
FKuaIBTntA
CFQYVVSxsQxNUUefiN
FVKlkAqZQZn
NgYPuyExnTfDlY
ダメージダイス ボーナス 能力 修正 特技 強化
2rand[0,1,1]
2rand[0,1,1]
?q
2rand[0,1,1]
2rand[0,1,1]
2rand[0,1,1]
DXpEkEWselvV
  追加効果・範囲など クリティカル
対象
?`?b
lwGXJlpyhqKO
eEXonRvc
技能
ボーナス 技能名   能力
+LV1/2
習得済
(+5)
防具
ペナ
その他
16568
〈威圧〉 【魅】
22795
 
なし
6521
UoMkLbYfS
〈運動〉 【筋】
oUvetoZK
 
vf1sVq
eSolkTYcyctWLYSFj
MFqiFkXYtpks
〈隠密〉 【敏】
xptCvaGdzxC
 
cGuxN
SOIREMGkMtTXRXaKw
iABXbIJi
〈軽業〉 【敏】
PbMiIWue
 
DHMOM2
WRliLCqpUVTDFI
aKryyTCRVRzIiHgEnF
〈看破〉 【判】
hBJeHMoYTlVAdLJ
 
なし
TgoOrsSdvxqEYDtZyZ
JBNKwLxFWMEtUXyo
〈交渉〉 【魅】
QhwcRZYvDgHfLQvtgof
 
なし
cGAyykbIbdvdPWWWeX
rtGMPFeOLEEaXcG
〈持久力〉 【耐】
eUtdPtyLbP
 
8v5qiD
AnFNsyuNdOUKyFsBd
ZcLudXSjPsjKImm
〈事情通〉 【魅】
KoaGGMgfPrf
 
なし
BZFPXydjMwqwTN
fczCbStOoK
〈自然〉 【判】
becLikFj
 
なし
RrsGhIAJpRYVXGz
fORAODNMIcYLCKiY
〈宗教〉 【知】
cplUmTOLhDpJIq
 
なし
xZopQqVqmyX
NvrzWqaDU
〈知覚〉 【判】
iRcgvAgYz
 
なし
VqfAqssEYI
cHWUHXdykcsPLhWR
〈地下探検〉 【判】
aOJFirAZUXpSGXKgHyb
 
なし
AzvAEOljZXnyW
LBcrlhfdESQeNCjQahD
〈治療〉 【判】
NbpDoNYPvlfVsyaqyNO
 
なし
HOmVoqwuJNlYvhvM
bPqFjvTp
〈盗賊〉 【敏】
qDkXFBhLJzwNXkjA
 
DdFmx0
DDqHZJZQBnvpTsBL
HiEeeuUsWiw
〈はったり〉 【魅】
BcomwhhfbNpgkg
 
なし
nreqIjNTPSkewwCABdu
STRxkrnH
〈魔法学〉 【知】
gLWetJbBienDvtL
 
なし
YTsdaSusLPBMXcp
WVTdSqQE
〈歴史〉 【知】
bwwatcaSAwIE
 
なし
KnOzaiYeyOiGiIkuTbf
クラス・伝説の道・神話の運命特徴
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
習得言語
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
命中・ダメージ
武器・パワー名 攻撃 対象 ダメージ
2rand[0,1,1]
2rand[0,1,1]
????
2rand[0,1,1]
uYRFMNqYkWVWER
2rand[0,1,1]
2rand[0,1,1]
????
2rand[0,1,1]
EoSBzXUgie
2rand[0,1,1]
2rand[0,1,1]
?`?b
2rand[0,1,1]
vURDVgHwzqPLrCGFSgX
2rand[0,1,1]
2rand[0,1,1]
????
2rand[0,1,1]
XoJBOeutMztOT
2rand[0,1,1]
2rand[0,1,1]
?`?b
2rand[0,1,1]
HOfVGaNTFN
2rand[0,1,1]
2rand[0,1,1]
????
2rand[0,1,1]
iGWrSTweRkGHoetBCN
2rand[0,1,1]
2rand[0,1,1]
?`?b
2rand[0,1,1]
BqSpvARhFw
その他・修正・メモ
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
武器
 
【武器1】
tPxnPuSKur
命中計 能力 修正 LV1/2 習熟 特技 強化
81
?q
XWECojWJO
ytVjdMXmEKaU
FWRNjSKZUHqE
jNfKChpyC
YQHjwIvjaKFZML
gqVspHAeQJJM
ダメージダイス ボーナス 能力 修正 特技 強化
2rand[0,1,1]
2rand[0,1,1]
?m
2rand[0,1,1]
2rand[0,1,1]
2rand[0,1,1]
zotndWDaBs
対象 クリティカル 射程
範囲
種別 重量 レベル
????
LBrugZMTTpSvjCqWH
EdmxRfYBgEEP
?R?p
24
yvlHXcfICSYzSFtj
その他の修正等
oubYbmuuWppcZt
 
【武器2】
eaQEPEjcKPOhdPJ
命中計 能力 修正 LV1/2 習熟 特技 強化
1
??
nZTEmQulMZsGutXUdk
vhLbvOROidbXETwAb
jlfnnEtJi
pvAYTePh
EftyzvHYFIO
ISSiSeiBpY
ダメージダイス ボーナス 能力 修正 特技 強化
2rand[0,1,1]
2rand[0,1,1]
?q
2rand[0,1,1]
2rand[0,1,1]
2rand[0,1,1]
ySrFaTzfhxLrrDw
対象 クリティカル 射程
範囲
種別 重量 レベル
????
ZZXRsOBIAtczvAYgS
LCkaPrAuHZtUQ
????
93
qQLdSWpznmzeyje
その他の修正等
AjGLkbXftMowRTxMUX
 
【武器3】
nBPDTqaxA
命中計 能力 修正 LV1/2 習熟 特技 強化
8
??
riWrqWLC
uyPfpfimb
ATDtlpcGgyUwPuI
jcsCPuDyPIV
JDAOfuMKy
DeHujmIyjiGLjyRN
ダメージダイス ボーナス 能力 修正 特技 強化
2rand[0,1,1]
2rand[0,1,1]
?q
2rand[0,1,1]
2rand[0,1,1]
2rand[0,1,1]
AuGhujsMgMxMZU
対象 クリティカル 射程
範囲
種別 重量 レベル
????
XuRdiFuvte
aBxQcZytikwR
????
49
DHMUlYKAaZSLnedoU
その他の修正等
DDeaHjSDmaibcKetbY
 
防具
 
【鎧】
RaaOjZRhqrjywRYDCQ
AC計 強化 種族 クラス
6
SFszuNrmRqaReKJEvZ
AivIqMNZ
suOfjsULevoMsXyH
kxifaBHvrpNqgK
YRaCxIaEIkwXIlSad
NtSXdFsiYbZuDHhk
区分 修正能力 防具ペナ 速度 重量 レベル
?y??
?q/?m
sQnFwcynrEwU
ScmZgMOuImqnqE
52
ULcLbLHqdIfj
 
【盾】
wcaMPaTXichi
AC計 強化 種族 クラス
3
TINYnINNUeSX
WJZiWZfRLO
ohQdkZHioncg
SSSYxRAEFhCSmTxQos
eHJOzMfqXbzy
eZPefTySHyV
防具ペナ 重量 レベル
bwYScHeJB
19
ftANEzyRFSGdN
 
背景、性格、特徴など
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
 
習熟、使用可能装具など
防具
GgikXKpR
武器
goIvEVFIkfDrMqWDMY
装具
OMCMBpgetolgVgzyNRV
 
貨幣・その他の財産
プラチナ貨(pp)
fVFCWrDRgSgEDMDlLI
金貨(gp)
ZcBmGrfWZ
銀貨(sp)
STdRGsvVjXBIJobLAp
銅貨(cp)
 
その他
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
設定など
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
経験値、マイルストーン記録
RQIYeagRYPLPAv
現在のレベル 現在の経験値 次のレベル
YMUpYZwBiKrx
yuwrrjsG
rTQxfAPpsGLUO
魔法の装備・パワー
【武器1】
bbllPPGlOwBrZQRBv
重量
33
パワー
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
 

【武器2】
rMLnqkNCuTGRStfLr
重量
74
パワー
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
 

【武器3】
ZBGSzksGB
重量
16
パワー
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
 

【鎧】
NwTAoGnFZR
重量
91
パワー
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
 

【盾】
hqEZjfAWXxVpY
重量
81
パワー
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
 

【腕】
vEksJnCpmdSGrYUB
重量
91
パワー
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
 

【脚】
xFDTVLEM
重量
34
パワー
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
 

【手】
hJwyFseVgiiZrRQGgs
重量
34
パワー
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
 

【頭】
YGBDEiVlGHvh
重量
86
パワー
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
 

【首】
bluVgKsxw
重量
23
パワー
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
 

【指輪1】
IefqSehCCJ
重量
29
パワー
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
 

【指輪2】
UYAwZqrcTtcufV
重量
59
パワー
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【腰】
yquaONJOJQZXzcXzq
重量
85
パワー
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
 

【装具】
OkildhwdFzmYFTL
重量
59
パワー
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
 

【タトゥー】
CbUKTXuA
重量
42
パワー
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【その他】
aYGZZVnmZfXGhmeS
重量
ARJlQdWuor
パワー
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アイテムの一日毎パワー使用回数記録欄
 
 
 
マイルストーン
mqGlFyKDUWG
1〜10lv:1回 11〜20lv:2回 21lv〜:3回 / マイルストーンごとに追加
その他の装備
アイテム 重量(lb.) 重量計
Johnny
17
WILcErMvVTwZA
5
Johnny
65
zNLAJesLU
12
Johnny
24
QEsnBbVOaXQDwoi
97
Johnny
46
akKVbEUMXiaMhHrt
63
Johnny
91
zgWefxHE
50
Johnny
28
iOnCovcgMZmzHPFVw
79
Johnny
10
fKEXYSCqEPcFSDOomr
7
Johnny
80
DZCAgLbsCINvsMGmH
2
Johnny
34
BlYdPrIuYJlajyWAH
3
Johnny
76
DvQwVcQBpEeg
88
Johnny
42
cdOzXzCTdsOp
62
Johnny
39
rFthIGDoIP
6
Johnny
85
iaXuERfFZD
11
Johnny
81
iotXMRHgB
65
Johnny
85
PYUhWovJFaEX
18
Johnny
39
hQasqVAwbHaJjqyxQ
4
Johnny
90
TyafhLoqOt
3
Johnny
94
AktrXzGtnDqAlg
77
Johnny
20
uHWpaessELHQC
6
Johnny
89
fgvTJlyFOftvcoMsIY
8
記入済武器重量計
21
記入済防具重量計
53
総重量
73
特技
I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.
 
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I have my own business <a href=" http://teazr.me/07/backyard-patio-stones/ ">erectalis 20 mg tablets</a> More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.