Life Insurance with Long-Term Care provides lifelong protection with flexible premiums. It is one policy with two benefits - life insurance coverage and long-term care benefits if you need them.

As life insurance, this plan protects your family with money that can be used any way they choose. It is most often used to pay for mortgage or rent, education for children and grandchildren, retirement, family debt, and final expenses.

Who is eligible to elect coverage?
You are eligible if you are an actively at work employee, age 18 – 64, scheduled to work at least 30 hours per week.
 
Please note: Death benefit reduces to one-third at age 70 or the beginning of the 15th policy year, whichever occurs last. However, life insurance premiums will never increase and are guaranteed through age 100. After age 100 no premium is due.

• Elect coverage for yourself.
• Flexible permanent insurance designed to last a lifetime.
• Benefits for long-term care services such as home health or nursing home care - you can access 4% of the selected life benefit per month if you need long-term care.
• Death Benefit is guaranteed 100% when it is needed most – during the working years when a family is relying on income. While the policy is in force, the death benefit is guaranteed for the longer of 15 years or through age 70.
• Even after age 70, when income is less relied upon, the death benefit is guaranteed to never be less than 50% of the original death benefit, up to $50,000.

You pay for this benefit conveniently through payroll deduction.

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Long-term care coverage provides peace of mind knowing you won't become a burden to loved ones if you become ill. While it's true that Medicare may cover some long-term care costs, Medicare's coverage can be very limited. Long-term care coverage is the best way to protect yourself and your financial assets.

• Seniors aged 65 have a nearly 70% chance of needing long-term care services in their future¹
• Women (3.7 years) stay in long-term care facilities longer than men (2.2 years)¹
• 20% of today's 65 year olds will need long-term care for longer than 5 years¹

¹U.S. Department of Health and Human Services (DHHS)’s Administration on Aging (AOA)

• The plan includes a Terminal Illness Benefit Rider which accelerates 50% of the death benefit amount, up to $100,000, if you are diagnosed as terminally ill with 12 months or less to live and your coverage has been in place for at least two years.
• The plan also includes an Extension of Benefits Rider which extends the same monthly Life Insurance with Long-Term Care benefit for up to an additional 50 months, doubling the value.
• The plan is portable, meaning you can take this with you, at the same rate, if you change jobs or retire.
• Life insurance premiums will never increase and are guaranteed through age 100. After age 100 no premium is due.

• Premiums are based on age - the younger you are when you enroll, the more benefit you receive for the same premium.
• During this enrollment period only, you have a special opportunity to elect coverage, without answering medical questions.