Long-Term Care with Universal Life Insurance provides lifelong protection with flexible premiums. It is one policy with two benefits - life insurance coverage for your family 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.

Program Highlights

• Coverage is available for yourself, your spouse, and your child(ren)
• 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
• If you collect a benefit for long-term care, your full death benefit is still available for your beneficiaries, as much as doubling your benefit
• You have two plan options: Universal Life Insurance with Long-Term Care and Universal Life Events Insurance with Long-Term Care. The difference between the two is a reduced death benefit amount at age 70 on Universal Life Events Insurance with Long-Term Care - your long-term care benefit amount will not decrease with age.

You pay for this benefit conveniently through payroll deduction.

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, your family, and your financial assets.

• Seniors ages 65 and over 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-yearolds 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 unique feature of Long-Term Care with Universal Life Insurance is that you build cash value on a tax-deferred basis (until withdrawn) which may allow your premiums to remain level throughout the life of the contract. Universal Life Insurance with Long-Term Care offers flexibility to adjust your benefit amount up or down depending on your current insurance needs.

• The plan includes a Terminal Illness Benefit Rider which accelerates 75% of the death benefit amount when life expectancy is 24 months or less.
• The plan is portable, meaning you can take this with you, at the same rate, if you change jobs or retire.
• During this enrollment period only, you have a special opportunity to enroll in up to $125,000 of coverage without answering medical questions.

• 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 enroll in up to $125,000 of coverage without answering medical questions.