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Long-Term Care Policy

One life insurance policy to protect your family, deliver tax-efficient retirement savings, and provide tax-free long-term care benefits. Our proprietary product and unique policy design delivers liquidity under a variety of scenarios - death, supplemental retirement income, and long-term care.

70% of people turning age 65 will need some type of long-term care services in their lifetimes.

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2015 Medicare & You, Centers for Medicare and Medicaid Services

One policy designed to protect your family, deliver tax-efficient retirement savings, and provide tax-free long-term care benefits.

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Tax-Free Benefits

Long-term care benefits are received income tax-free.

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Protect Retirement

The policy helps protect your retirement accounts and other assets.

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Death Benefit

Delivers both long-term care benefits and a life insurance death benefit.

70%

of Americans age 65 and older will need some form of long-term care in their lifetime.
2015 Medicare & You, Centers for Medicare and Medicaid Services

Policy Implementation Steps

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Policy Design

Evaluate the premium cost for different LTC benefit amounts; premium funding schedules; and review the economics.

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Underwriting

Automated underwriting to streamline the application process with e-signature and intelligent underwriting.

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Issue Policy

Pay (or wire) premium; allocate premium per investment policy; deliver the policy; and annual financial reporting.

Preserve Assets & Protect Income

Long-term care is a highly valued and important insurance policy. A fully insured long-term care policy allows you to help protect against this financial risk in retirement.

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