A Savvy Alternative to Long Term Care Insurance

43% of retired adults are likely to need nursing home care.* Are you prepared?

Learn how to help protect your wealth from poor health. Life Insurance with a long-term care rider can save you from relying solely on Medicare, Medicaid, and from the increasing premiums of traditional long term care insurance.

Here are some of the key features of life insurance with a long-term care rider:

Guarantees**

  • 100% lifetime money back guarantee
  • Lifetime minimum death benefit
  • No premium Increase

Choices: Pays tax-free monthly long term care benefits for a variety of health care services.

Flexibility: Long term care benefits can be payable for a specified period or for life

Caregiver Support: Care planning and respite benefits are included to assist caregiver.

Liquidity: Cash is available for any need through loans or withdrawals.

Growth: Cash value earns competitive tax deferred interest.

*Source: www.census.gov
**Guarantees are based on the claims paying ability of the issuing company. Withdrawals of cash value in excess of paid policy premiums are taxable.  Withdrawals and loans can reduce the death benefit payable to beneficiaries.