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.

• 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%. While the policy is in force, the death benefit is guaranteed for the longer of 25 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.

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, tripling 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.

• Budget-Friendly Financial Security: Lifelong protection with premiums beginning as low as $3 per week.
• Guaranteed Benefits During Working Years: Death Benefit is guaranteed 100% when it is needed most — during your working years when your family is relying on your income.
• Guaranteed Benefits After Age 70: Even after age 70, the full death benefit is designed to last through age 99 for non-tobacco users and age 95 for tobacco users based on the current interest rate and mortality assumptions.
• Life insurance premiums will never increase and are guaranteed to age 100.
• Family Coverage: Coverage is available for your spouse, children and dependent grandchildren.
• During this enrollment period only, you have a special opportunity to elect coverage, without answering medical questions.