Long-Term Care Benefits that Never Run Out
Protect your loved ones and your assets with lifetime long-term care benefits.
Live your life without any fear of running out of coverage.
While most long-term care policies limit the amount of time they will pay a claim, these plans pay benefits as long as you and your partner need them.
In other words, lifetime benefits means exactly what it says – for life.
Also, these long-term care plans pay you back if you don’t use them. There’s no risk involved, only assurance for you and the people you love.
![Happy smiling grandmother playing with her little grandson holding him in her arms in the air](https://b1963453.smushcdn.com/1963453/wp-content/uploads/2020/08/happy-smiling-grandmother-playing-with-her-little-grandson-holding-him-in-her-arms-in-the-air-683x1024.jpg?lossy=1&strip=1&webp=1)
Here’s how it works.
Eligible adults between the ages of 35 and 80 can apply for long-term care with lifetime benefits. There are both individual and joint plans. (This is a very popular option for couples.)
1. Choose your monthly benefit level.
2. Decide how you want to fund your plan.
- Single deposit from cash or retirement accounts
- Multi-pay options (5, 10, or 20-year payment plans)
- Combination of deposit and multi-pay
- 1035 exchange from existing life insurance or an existing annuity
3. Know you will never run out of long-term care benefits.
- If you trigger a claim, your dedicated care team guides you and your family every step of the way to help manage your care.
- If you never use your plan, you get your money back tax-free.
- Plans are guaranteed not to go down in value.
- Plans have cash value and a tax-free death benefit.
- Care is ready when you need it. There’s a Zero Day Waiting Period for home care.
- Your plan covers care in all fifty states. It also covers Canada and includes limited international coverage.