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.

Program Highlights

• 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.

You pay for this benefit conveniently through payroll deduction.

Why Now?

• 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. 
• The state of Washington implemented the first public long-term care program funded through an additional payroll tax for all working residents. A California task force has recommended a payroll tax of up to 2% of your income with a private insurance opt-out. Life Insurance with Long-Term Care may satisfy the state's requirements for tax exemption. There are 25+ additional states that may follow Washington’s lead in creating a payroll tax for all working residents.

Critical illnesses don’t give you time to prepare. Heart attacks, cancer and strokes happen every day, and often unexpectedly. They can take a serious toll on both your physical and financial well-being.

That’s where critical illness protection can help. Critical Illness insurance helps you deal with the costs associated with a critical illness so you can maintain your lifestyle and focus your energy on getting better. The plan pays a lump sum cash benefit for covered conditions, in addition to what health insurance may pay.

When a critical illness happens your health insurance plan may cover some of your medical and hospital costs, but not everything. You and your family need extra protection that closes the financial gap and helps you manage expenses, such as:

• Out-of-Pocket Medical Costs—deductibles, copays, coinsurance, prescriptions, and medical travel
• Everyday Costs—rent or mortgage payments, credit card debit, car payments, household necessities, and savings for college & retirement
• Recovery Costs—loss of income, rehabilitation, and childcare or parent care