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.
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.

Tax-Free Benefits
Long-term care benefits are received income tax-free.

Protect Retirement
The policy helps protect your retirement accounts and other assets.

Death Benefit
Delivers both long-term care benefits and a life insurance death benefit.
Policy Implementation Steps

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

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

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.