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Life Insurance With Long Term Care Rider (Benefits)

 

  • Helps you pay for long-term care if you need it
  • Provides an income tax-free death benefit if you don’t
  • Offered with a money back guarantee
  • A way to help protect your retirement income from the risk of long-term care expenses

Chances are much of your retirement income will be based upon the assets you’ve accumulated during your working years. Your portfolio may include qualified plans; investments for growth and income; life insurance to efficiently provide for your beneficiaries; and cash reserved for various emergencies, including long-term care.

Life Insurance With Long Term Care Rider may help free some of those reserves to seek additional growth, while helping you prepare for the need for longterm care at the same time.

By simply repositioning the cash reserves designated for long-term care into aLife Insurance With Long Term Care Rider policy, you immediately help increase the protection for the rest of your portfolio.

Can provide the dollars needed to reimburse long term care costs – tax free. Provides and income tax-free death benefit to your beneficiaries. Provides a money back guarantee through the Return of Premium Rider.*

*Terms and conditions vary by company and product. Different companies have different options and offer different benefits. Consult literature for specifics.

You can reposition existing money such as CDs, Money Market, Savings, or you can 1035 exchange an existing universal/whole life insurance policy.

Contact us to find out if this is appropriate for your needs. This product requires health underwriting.

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