Long-Term Care Riders

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Long-Term Care Riders"

Transcription

1 Life Insurance with Long-Term Care Riders MK3375(0509) TC46288(0509) Experience Life

2 Life Insurance can be your Bridge to a More Secure Financial Future Life insurance is a powerful tool that can be used to meet many financial needs. Most importantly, life insurance provides an income tax-free benefit t0 help protect your family at your death. The income tax-free proceeds provided by life insurance are paid directly to your beneficiary, free from the costs, delays and publicity of probate. Additionally, permanent life insurance has the potential to build cash value on a tax-deferred basis. Because the cash value belongs to you, you are allowed to access it during your lifetime for unexpected cash needs, to take advantage of opportunities or to supplement your retirement income. Life insurance can also help should you or your spouse need some form of long-term care during your lifetime.

3 6 out of 10 people will need long-term care sometime during their lifetime. 1 A Different Approach to Meeting your Long-Term Care Needs Life insurance also provides riders that can help protect against the potentially devastating cost of long-term care. These riders allow access to your policy s death benefit to help you pay the costs of your care. If you never incur any long-term care expenses, or if you use only a portion of your long-term care benefit, the remaining death benefit will pass income tax-free to your beneficiary. Whatever the condition that causes the need for long-term care, it can be a severe drain on both family caregivers and family finances. These riders will help pay for a wide range of long-term care services, allowing you to protect your retirement savings as well as other family assets. 1 Long-Term Care: An Impending Crisis for Elderly, 2008.

4 The average cost of nursing home care in America is $70,000 a year a cost that is expected to double in the next ten years. 2 Long-Term Care Services Long-term care services are those your medical insurance normally would not cover. They include therapy, rehabilitation, maintenance, or personal care services you might receive in a setting other than a hospital. These are services usually provided by nurses, therapists, home health aides, or other skilled and unskilled caregivers, rather than doctors or surgeons. Long-term care is generally provided in your home, in a community facility such as an adult day care center, or in a nursing home or assisted living facility not in a hospital or clinic. 2 Medical News Today, 2006.

5 Home Care Benefits Your long-term care rider reimburses eligible expenses for both skilled and personal care at home. 3 Skilled care, such as physical or speech therapy is generally provided by a nurse or a therapist. Personal care is help with ordinary daily activities like eating, toileting, transferring, bathing, dressing and continence. Your home care benefits may include homemaker services, home health aid services, or assistance with daily activities. Another special home care benefit provided by your long-tem care riders is an independent caregiver benefit. This allows you and your family to choose someone you know and trust (and who is licensed) to provide the care you need. Facility-Based Care Benefits Long-term care riders will reimburse eligible expenses for your stay in a licensed nursing facility or assisted living facility. 3 Community-Based Care Benefits Many communities have adult day care centers that are licensed or certified by the state to provide health services, social services, or other types of support services to adults who are impaired. A long-term care rider will reimburse you for the care you receive at an adult day care center. 3 3 Receipt of long-term care benefits will reduce the policy s cash value and death benefit.

6 Long-Term Care Riders With your policy, there are two different LTC riders offered: Accelerated Care Rider (ACR) The first, Accelerated Care Rider (ACR), allows you to accelerate 100% of your death benefit for reimbursement of qualified long-term care expenses that you incur while in an assisted living facility, a nursing home, home health care or an adult day care. Benefits paid out under the ACR riders reduce the face amount, accumulated value and the cash surrender value. You can elect to receive a maximum 1% of the death benefit each month for 100 months or until the amount paid out equals the death benefit. Or, You can elect to receive a maximum of 2% of the death benefit each month for 50 months or until the amount paid out equals the death benefit. Chronic Care Protection Rider (CCP) The second rider, Chronic Care Protection Rider (CCP), allows you to extend your benefits once the ACR benefits are exhausted. You may elect to extend your benefit period for an additional 50 months or lifetime. The benefit amount received under the riders is the reimbursement for any qualified long-term care services, minus any reimbursement received from Medicare and other government programs, excluding Medicaid. Together, these riders can provide lifetime benefits to meet your long-term care needs. Rider Benefit Availability Eligibility begins when you are certified as being chronically ill or having severe cognitive impairment. Severe cognitive impairment is defined as having your mental capacity deteriorated to the point that you need substantial supervision to protect yourself from threats to your health and safety. Alzheimer s disease and other forms of irreversible dementia fall into this category. There is a 60-day elimination period. Chronic illness is defined as being unable to perform two out of six Activities of Daily Living (ADLs) without the help from another person for at least 90 days. The six ADLs are defined as eating, toileting, transferring, bathing, dressing and continence.

7 Waiting Period There is a 60-day waiting period until your benefits begin. You will be responsible for the cost of services that you receive during those 60 days. The 60 days counted for the waiting period don t have to be consecutive, but they must fall within 180 consecutive days. The days that are counted for the waiting period don t all have to have been for the same type of care. You can count on any combination of home care, community-based care, or a stay in a facility toward the 60-day total. If you start receiving benefits, and then stop using them for more than 180 days, you will have to satisfy a new waiting period in order to begin receiving benefits again. Other Valuable Features Inflation Protection With the cost of long-term care services rising every year, it is good to know that inflation protection is available. If this option is purchased, benefits are increased automatically by 5% a year, and the increase is compounded, which means the dollar amount of the increase will go up each year. Premium Waiver If you were to become eligible to receive long-term care benefits, the waiver of premium feature eliminates the need for you to pay premiums for this rider, as well as the life insurance premium, during the time that you are receiving benefits. Premiums that you pay for the long-term care riders can be added to your other medical expenses as deductions from your income. Long-term care benefits you receive will not be counted as income. We know that a decision to buy a life insurance policy with long-term care riders is a significant decision, so be sure to discuss any questions or concerns you have with your financial professional. Consider the advantage of life insurance with long-term care protection.

8 The Accelerated Care Rider (ACR) and Chronic Care Protection (CCP) Rider are available on various Whole Life, Universal Life and Indexed Universal Life policies underwritten by National Life Insurance Company. These riders, however, may not be available on all products offered by National Life and some riders may not be available in all states. Accelerated Care Rider (Advanced Benefits Rider in Kansas and Oregon), form series 9249(0201)/9249ID(0201), is optional and available at additional cost. Use of the Accelerated Care Rider reduces the face amount, the accumulated value and the cash surrender value of your life insurance policy. Benefit payments will be used to pay off any outstanding policy loans first, reducing the amount of money you would normally collect as a benefit. The Accelerated Care Rider is not available in Colorado, Florida, Hawaii, Indiana, Kentucky, Massachusetts, New Hampshire, New Jersey, New York, Washington and Wisconsin. Chronic Care Protection Rider (Comprehensive Long-Term Care Rider in California), form series 9250/9251/9250ID(0201)/9251ID(0201) The Chronic Care Protection Rider (CCP) may only be issued and remain in force on a policy that also has the Accelerated Care Rider attached to it. The Chronic Care Protection Rider extends benefits beyond the period when full benefits under the Accelerated Care Rider have been paid. Benefits are payable only if, and while, the insured remains Chronically Ill. The CCP Rider is not available in Colorado, Connecticut, Florida, Hawaii, Indiana, Kentucky, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, Pennsylvania, Texas, Virginia, Washington and Wisconsin. The above insurance riders have exclusions, limitations, reductions of benefits, and/or terms under which the rider may be continued in force or discontinued. For costs and complete details of the coverage, call or write to your agent or to the company. National Life Insurance Company Home Office: One National Life Drive, Montpelier, Vermont (888) National Life Group is a trade name of National Life Insurance Company and its affiliates. 30 %

Living Benefits. A Key to. Life Insurance 62824 MK2333(0908) TC43323(0908)

Living Benefits. A Key to. Life Insurance 62824 MK2333(0908) TC43323(0908) Living Benefits A Key to Life Insurance 62824 MK2333(0908) TC43323(0908) Life insurance is a powerful financial tool that can be used to meet many needs. Most commonly, life insurance is used to provide

More information

A Key to. Life Insurance 62824 MK2333(0307) TC30498(0307)

A Key to. Life Insurance 62824 MK2333(0307) TC30498(0307) Living Benefits A Key to Life Insurance 62824 MK2333(0307) TC30498(0307) Life insurance is a powerful financial tool that can be used to meet many needs. Most commonly, life insurance is used to provide

More information

Flexible Mortgage Protection

Flexible Mortgage Protection 10 % Flexible Mortgage Protection with Life Insurance Product issued by Life Insurance Company of the Southwest 62686 MK2272(1112) TC6896(0612) Protect your home, family and income all in one policy A

More information

US ARMY NAF EMPLOYEE LONG TERM CARE INSURANCE

US ARMY NAF EMPLOYEE LONG TERM CARE INSURANCE US ARMY NAF EMPLOYEE LONG TERM CARE INSURANCE INTRODUCTION This booklet is published by the US Army NAF Employee Benefits Office. It is intended to provide you with useful information about the US Army

More information

Agent Fast Facts. for TransCare III Long Term Care insurance. Transamerica Life Insurance Company ICC13 TC3 A FF

Agent Fast Facts. for TransCare III Long Term Care insurance. Transamerica Life Insurance Company ICC13 TC3 A FF Transamerica Life Insurance Company Agent Fast Facts for TransCare III Long Term Care insurance ICC13 TC3 A FF For Agent/Producer Information Only. Not for public distribution. When it comes to care, family

More information

Financial Protection against Chronic and Terminal Illnesses

Financial Protection against Chronic and Terminal Illnesses 20501 1/15 Financial Protection against Chronic and Terminal Illnesses As common as they seem to be, illnesses wreak havoc on the lives of Americans every day disrupting both family life and financial

More information

Long Term Care Rider. Table of Contents FREQUENTLY ASKED QUESTIONS OVERVIEW

Long Term Care Rider. Table of Contents FREQUENTLY ASKED QUESTIONS OVERVIEW FREQUENTLY ASKED QUESTIONS Long Term Care Rider Table of Contents Overview The Long Term Care (LTC) Rider Benefits Eligibility Long Term Care Benefits Agency Licensing and Contracting Illustrations Underwriting

More information

Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211

Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF CHEROKEE BOARD OF COMMISSIONERS

More information

LONG-TERM CARE RIDER An Accelerated Death Benefit Rider Protection when you need it most TECHNICAL GUIDE

LONG-TERM CARE RIDER An Accelerated Death Benefit Rider Protection when you need it most TECHNICAL GUIDE TECHNICAL GUIDE LONG-TERM CARE RIDER An Accelerated Death Benefit Rider Protection when you need it most FOR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC. Table of Contents Product Overview... 2 Accelerating

More information

Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211

Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF MULTNOMAH COUNTY OREGON - #094319

More information

Asset-based LTC solutions

Asset-based LTC solutions State Life Care Solutions Asset-based LTC solutions Product overview and training guide Products and financial services provided by The State Life Insurance Company a OneAmerica company For company use

More information

Willamette University Long-Term Care Insurance Outline of Coverage

Willamette University Long-Term Care Insurance Outline of Coverage JOHN HANCOCK LIFE INSURANCE COMPANY Group Long-Term Care PO Box 111, Boston, MA 02117 Tel. No. 1-800-711-9407 (from within the United States) TTY 1-800-255-1808 for hearing impaired 1-617-572-0048 (from

More information

OVERALL RIDER INFORMATION

OVERALL RIDER INFORMATION CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS FAST FACTS Benefi taccess Rider The BenefitAccess Rider (BenefitAccess) is an accelerated death benefit rider that advances up to 100% of the policy s death

More information

Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211

Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF OREGON EDUCATORS BENEFIT BOARD

More information

Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211

Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF SARASOTA COUNTY GOVERNMENT #123354-004

More information

Facts About Long-Term Care Insurance In Virginia

Facts About Long-Term Care Insurance In Virginia 1-877-310-6560 http://www.scc.virginia.gov/boi Facts About Long-Term Care Insurance In Virginia Shop Carefully and Avoid Pitfalls Long-term care insurance is designed to assist individuals with some or

More information

Zurich s Index UL. Living Benefit Solutions. Accelerated Death Benefit Riders for Chronic and Terminal Illness

Zurich s Index UL. Living Benefit Solutions. Accelerated Death Benefit Riders for Chronic and Terminal Illness TM Zurich s Index UL Living Benefit Solutions Accelerated Death Benefit Riders for Chronic and Terminal Illness Offered by Zurich American Life Insurance Company For agent and broker information only.

More information

Prudential Long Term Care

Prudential Long Term Care prudential s GROUP INSURANCE Prudential Long Term Care Solid Solutions SM 20 Questions concerning long-term care insurance The Prudential Insurance Company of America (Prudential) 0238884 Should you be

More information

The Pennsylvania Insurance Department s LONG-TERM CARE. A supplement to the Long-Term Care insurance guide.

The Pennsylvania Insurance Department s LONG-TERM CARE. A supplement to the Long-Term Care insurance guide. LONG-TERM CARE A supplement to the Long-Term Care insurance guide. These definitions are offered to give you a general understanding of the terms you will hear when looking for Long-Term Care insurance.

More information

Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF

Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF TOTAL SYSTEM SERVICES, INC.

More information

Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE

Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF INTELIDENT SOLUTIONS, INC. Policy: 294446

More information

First Unum Life Insurance Company 666 Third Avenue New York, New York 10017 (212) 953-1130 LONG TERM CARE INSURANCE REQUIRED DISCLOSURE STATE

First Unum Life Insurance Company 666 Third Avenue New York, New York 10017 (212) 953-1130 LONG TERM CARE INSURANCE REQUIRED DISCLOSURE STATE First Unum Life Insurance Company 666 Third Avenue New York, New York 10017 (212) 953-1130 LONG TERM CARE INSURANCE REQUIRED DISCLOSURE STATE FOR THE EMPLOYEES OF NEW YORK MEDICAL COLLEGE #222373 Group

More information

The Prudential Insurance Company of America. Long-Term Care Insurance. Questions. concerning long-term care insurance 0163472-00002-00

The Prudential Insurance Company of America. Long-Term Care Insurance. Questions. concerning long-term care insurance 0163472-00002-00 The Prudential Insurance Company of America Long-Term Care Insurance 20 Questions concerning long-term care insurance 0163472 0163472-00002-00 1WHAT IS LONG-TERM CARE? Long-term care covers a wide range

More information

Long Term Care Rider. Planning today to help secure your long term care needs for tomorrow. TRANSAMERICA LIFE INSURANCE COMPANY ICC 14 OL 3183 0514

Long Term Care Rider. Planning today to help secure your long term care needs for tomorrow. TRANSAMERICA LIFE INSURANCE COMPANY ICC 14 OL 3183 0514 Long Term Care Rider TRANSAMERICA LIFE INSURANCE COMPANY Planning today to help secure your long term care needs for tomorrow. ICC 14 OL 3183 0514 Protect your family s future No one looks forward to spending

More information

OVERVIEW. A: Long term care is the type of ongoing assistance. A: Health insurance or Medicare can help pay for the cost

OVERVIEW. A: Long term care is the type of ongoing assistance. A: Health insurance or Medicare can help pay for the cost TABLE OF CONTENTS Overview 1 Long Term Care (LTC) Rider on 1 Benefits Eligibility 2 Long Term Care Benefits 3 Policy Change with LTC Rider 3 Claims Guidelines 3 Tax-Related Questions 4 Underwriting 4 Illustration

More information

HELP PROTECT your FINANCIAL FUTURE. Prepare for long-term care expenses with Lincoln MoneyGuard II. Client Product Guide

HELP PROTECT your FINANCIAL FUTURE. Prepare for long-term care expenses with Lincoln MoneyGuard II. Client Product Guide The Lincoln National Life Insurance Company The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent or insurance company. Lincoln MoneyGuard II HELP

More information

long-term care insurance

long-term care insurance More and more Americans recognize the need to save for retirement. But few are aware of the need to protect their retirement savings against the steadily growing costs of long-term care. A lifetime of

More information

Ask yourself these three very important questions

Ask yourself these three very important questions QoL FlexTerm Ask yourself these three very important questions 1. How much life insurance do I need to protect my family? 2. How much life insurance can I afford? More than likely, your answer to the first

More information

Accelerated Death Benefit Endorsements

Accelerated Death Benefit Endorsements Accelerated Death Benefit Endorsements Financial Protection To Help With Critical, Chronic and Terminal Illness Client Brochure THIS IS NOT LONG TERM CARE INSURANCE, HEALTH INSURANCE, OR DISABILITY INSURANCE,

More information

Continental Casualty Company

Continental Casualty Company Continental Casualty Company 333 S. Wabash Avenue A Stock Company Chicago, Illinois 60604 Continental Casualty Company Group Long-term Care 333 S. Wabash Avenue Chicago, IL 60604 1-(800)-528-4582 LONG-TERM

More information

SecurePlus Provider I N D E X E D U N I V E R S A L L I F E

SecurePlus Provider I N D E X E D U N I V E R S A L L I F E SecurePlus Provider I N D E X E D U N I V E R S A L L I F E B U Y E R S G U I D E TC27761(0906) Life is a journey. And while there are many unknowns along the way, you can be prepared. Preparations should

More information

Asset-based LTC solutions

Asset-based LTC solutions Asset-based LTC solutions Product overview and training guide Products and financial services provided by The State Life Insurance Company a OneAmerica company I-21012 (IPR) For company use only. Not for

More information

Level Premium Term Insurance

Level Premium Term Insurance Term Level Premium Term Insurance Is term insurance right for you? One policy. One premium. One company. A multitude of coverages. Product issued by Life Insurance Company of the Southwest This marketing

More information

MassMutual CareChoice SM One

MassMutual CareChoice SM One An Overview Guide MassMutual CareChoice SM One Prepare for the possibilities MassMutual CareChoice One (CareChoice One) is a single premium whole life insurance policy with a qualified long term care insurance

More information

2010 Insurance Benefits Guide. Long Term Care. Long Term Care. www.eip.sc.gov Employee Insurance Program 141

2010 Insurance Benefits Guide. Long Term Care. Long Term Care. www.eip.sc.gov Employee Insurance Program 141 2010 Insurance Benefits Guide www.eip.sc.gov Employee Insurance Program 141 Insurance Benefits Guide 2010 Table of Contents Insurance...143 Important Information About the Plan...143 Plan Details...144

More information

Help your clients manage chronic illness costs with life insurance. Chronic Illness Rider Optional Living Benefits. Producer Guide

Help your clients manage chronic illness costs with life insurance. Chronic Illness Rider Optional Living Benefits. Producer Guide Help your clients manage chronic illness costs with life insurance. Chronic Illness Rider Optional Living Benefits Producer Guide Life insurance can leave a legacy. It can provide a living benefit too.

More information

QUICK FACTS. Long Term Care Rider. TransACE Long Term Care Rider At-A-Glance

QUICK FACTS. Long Term Care Rider. TransACE Long Term Care Rider At-A-Glance Long Term Care Rider Overview TransACE Long Term Care Rider QUICK FACTS The Long Term Care (LTC) Rider provides for the acceleration of life insurance death benefits on an indemnity basis if the insured

More information

Ultra Select Indexed Universal Life Providing Upside Potential with Downside Protection

Ultra Select Indexed Universal Life Providing Upside Potential with Downside Protection IUL Ultra Select Indexed Universal Life Providing Upside Potential with Downside Protection Product issued by National Life Insurance Company 30 % 63931 MK3177(1110) TC58389(1110) Introducing Ultra Select,

More information

LONG-TERM CARE INSURANCE

LONG-TERM CARE INSURANCE MONTANA LONG-TERM CARE INSURANCE 2015 Rate Comparison Guide RATE COMPARISON GUIDE COMMISSIONER OF SECURITIES & INSURANCE MONICA J. LINDEEN COMMISSIONER MONTANA STATE AUDITOR Dear Montana Senior: I am pleased

More information

PROTECTION LONG-TERM CARE RIDER. An Accelerated Death Benefit Rider Protection when you need it most CONSUMER GUIDE IM4125CG CA 04/13

PROTECTION LONG-TERM CARE RIDER. An Accelerated Death Benefit Rider Protection when you need it most CONSUMER GUIDE IM4125CG CA 04/13 CONSUMER GUIDE PROTECTION LONG-TERM CARE RIDER An Accelerated Death Benefit Rider Protection when you need it most IM4125CG CA 04/13 JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) 1 CONSUMER GUIDE Long-Term

More information

BenefitAccess Rider OVERALL RIDER INFORMATION

BenefitAccess Rider OVERALL RIDER INFORMATION CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS FAST FACTS BenefitAccess Rider The BenefitAccess Rider (BenefitAccess) is an accelerated death benefit rider that advances up to 100% of the policy s death

More information

Make an informed choice

Make an informed choice Producer Information I Index Universal Life Insurance Make an informed choice Long Term Care or Chronic Illness Rider? As our population ages, obtaining financial protection against long term care (LTC)

More information

Lincoln MoneyGuard Reserve Plus

Lincoln MoneyGuard Reserve Plus FOR LIFE Universal Life Insurance The Lincoln National Life Insurance Company Lincoln MoneyGuard Reserve Plus Paying for long-term care Client Product Guide The purpose of this communication is the solicitation

More information

A Shopper s Guide to. Long-Term Care Insurance

A Shopper s Guide to. Long-Term Care Insurance A Shopper s Guide to Long-Term Care Insurance About the NAIC The National Association of Insurance Commissioners (NAIC) is the oldest association of state government officials. Its members are the chief

More information

Company Profile. (800) 224-4582 www.newyorklife.com

Company Profile. (800) 224-4582 www.newyorklife.com s by Age at Enrollment (800) 224-4582 www.newyorklife.com New York Life Insurance Company New York Life Insurance Company, a Fortune 100 company founded in 1845, is the largest mutual life insurance company

More information

Secure Income Annuity Statement of Understanding

Secure Income Annuity Statement of Understanding Security Benefit Secure Income Annuity Statement of Understanding Effective Date: June 16, 2014 Must be signed by the customer and agent and the signature page returned to Security Benefi t with the application.

More information

long-term care insurance

long-term care insurance long-term care insurance from new york life insurance company 336897CV (CA) 1 Are you ready to live a long life? Planning to live means making a plan a sound retirement strategy that addresses the risks

More information

Long Term Care Information Meeting

Long Term Care Information Meeting Long Term Care Information Meeting The Municipal Pool Continental Casualty Company Policy SPS1AA-22-TQ Who is CNA? CNA, headquartered in Chicago, is an insurance organization with a 100+ year legacy built

More information

Life Insurance You Don t Have to Die to Use. 8532 QOL REV0615. Policies issued by American General Life Insurance Company (AGL).

Life Insurance You Don t Have to Die to Use. 8532 QOL REV0615. Policies issued by American General Life Insurance Company (AGL). Life Insurance You Don t Have to Die to Use. 8532 QOL REV0615 Policies issued by American General Life Insurance Company (AGL). Quality of Life...Insurance is Changing The Way Americans Think About, Purchase

More information

Living Benefits. A Key to Life Insurance 62824 MK2333(0610) TC55294(0510) 30 %

Living Benefits. A Key to Life Insurance 62824 MK2333(0610) TC55294(0510) 30 % Living Benefits A Key to Life Insurance 30 % 62824 MK2333(0610) TC55294(0510) Plan today. Protect tomorrow. Life insurance is a powerful financial tool that can be used to meet many needs. Most commonly,

More information

Long-Term Care Insurance

Long-Term Care Insurance A Shopper s Guide To Long-Term Care Insurance National Association of Insurance Commissioners A Shopper s Guide to LONG-TERM CARE INSURANCE National Association of Insurance Commissioners About the NAIC

More information

LONG-TERM CARE INSURANCE

LONG-TERM CARE INSURANCE MONTANA LONG-TERM CARE INSURANCE 2016 Rate Comparison Guide RATE COMPARISON GUIDE COMMISSIONER OF SECURITIES & INSURANCE MONICA J. LINDEEN COMMISSIONER MONTANA STATE AUDITOR Dear Montana Senior: I am pleased

More information

Long-Term Care Insurance Seminar and Sales Presentation

Long-Term Care Insurance Seminar and Sales Presentation John Hancock Life Insurance Company Long-Term Care Insurance Seminar and Sales Presentation Presented by , Designation> Long-Term Care Insurance is underwritten by John

More information

Take control of your future.

Take control of your future. The Nationwide LONG-TERM CARE RIDER Take control of your future. You ve worked hard to live life on your terms. So, when you think of your later years, you probably don t envision becoming dependant on

More information

Planning for Long-Term Care

Planning for Long-Term Care long-term care insuranceo october 2014 2 The Reality of Living Longer 4 Why Should You Consider Long-Term Care Coverage? 7 Protecting Your Assets, As Well As Your Health Planning for Long-Term Care Summary

More information

LONG TERM CARE INSURANCE OUTLINE OF COVERAGE POLICY P148 NOTICE TO BUYER:

LONG TERM CARE INSURANCE OUTLINE OF COVERAGE POLICY P148 NOTICE TO BUYER: Physicians Mutual Insurance Company 2600 Dodge Street Omaha, Nebraska 68131 800-645-4300 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE POLICY P148 NOTICE TO BUYER: This policy may not cover all of the costs

More information

Long-Term Care Insurance

Long-Term Care Insurance ltc_lp_10_cover.qxp 2/11/2011 11:57 AM Page 1 Formed in 1871, the National Association of I nsurance Commissioners (NAIC) is a voluntary organization of the chief insurance regulatory officials of the

More information

A Shopper s Guide to. Long-Term Care Insurance

A Shopper s Guide to. Long-Term Care Insurance A Shopper s Guide to Long-Term Care Insurance About the NAIC The National Association of Insurance Commissioners (NAIC) is the oldest association of state government officials. Its members are the chief

More information

TOI: LTC03I Individual Long Term Care Sub-TOI: LTC03I.003 Other Individual Long Term Care- Other

TOI: LTC03I Individual Long Term Care Sub-TOI: LTC03I.003 Other Individual Long Term Care- Other SERFF Tracking Number: NALF-126305095 State: Arkansas Filing Company: National Life Insurance Company State Tracking Number: 43512 Company Tracking Number: TOI: LTC03I Individual Long Term Care Sub-TOI:

More information

Long-Term Care Insurance

Long-Term Care Insurance A Shopper s Guide To Long-Term Care Insurance A Shopper s Guide to LONG-TERM CARE INSURANCE About the NAIC The National Association of Insurance Commissioners (NAIC) is the oldest association of state

More information

Long-Term Care Insurance. Pamela Stutch, Esq. Maine Bureau of Insurance (207) 624-8458 (800) 300-5000 (Maine only) www.maine.

Long-Term Care Insurance. Pamela Stutch, Esq. Maine Bureau of Insurance (207) 624-8458 (800) 300-5000 (Maine only) www.maine. Long-Term Care Insurance Pamela Stutch, Esq. Maine Bureau of Insurance (207) 624-8458 (800) 300-5000 (Maine only) www.maine.gov/insurance 1 What is long term care insurance? Provides at least 12 consecutive

More information

Horizon Universal Life Insurance

Horizon Universal Life Insurance Horizon Universal Life Insurance Discover More In Life 63992 MK3227(0209) TC46323(0209) Experience Life Now you can protect your home, family, business and future all in one policy. If your need is death

More information

Facts About Long-Term Care Insurance In Virginia

Facts About Long-Term Care Insurance In Virginia 1-877-310-6560 www.scc.virginia.gov/division/boi/index.htm Facts About Long-Term Care Insurance In Virginia Shop Carefully and Avoid Pitfalls Long-term care insurance is designed to assist individuals

More information

QoL Flex Term. QoL1 8532 FT REV0815

QoL Flex Term. QoL1 8532 FT REV0815 QoL Flex Term QoL1 8532 FT REV0815 Important Questions... Ask yourself these three very important questions 1. How much life insurance do I need to protect my family? 2. How much life insurance can I afford?

More information

A Shopper s Guide to

A Shopper s Guide to A Shopper s Guide to LONG-TERM CARE INSURANCE NAIC National Association of Insurance Commissioners A Shopper s Guide to LONG-TERM CARE INSURANCE NAIC National Association of Insurance Commissioners About

More information

UNITED TEACHERS LOS ANGELES (the Policyholder)

UNITED TEACHERS LOS ANGELES (the Policyholder) Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE - OUTLINE OF COVERAGE FOR THE EMPLOYEES OF UNITED TEACHERS LOS ANGELES (the Policyholder)

More information

The Pennsylvania Insurance Department s. Your Guide to Long-Term Care. Insurance

The Pennsylvania Insurance Department s. Your Guide to Long-Term Care. Insurance Your Guide to Long-Term Care Insurance When you re in the prime of life, it s hard to imagine being unable to do the basic activities of daily living because of age or disability. But the reality is that

More information

No Professional Care Required. No Waiting Period. No Professional Care Required. No Waiting Period

No Professional Care Required. No Waiting Period. No Professional Care Required. No Waiting Period Life Insurance with Access Rider: A Competitive Comparison Many prominent carriers offer products that provide death benefit and chronic illness care protection. Which product or carrier is appropriate

More information

Continental Casualty Company

Continental Casualty Company Continental Casualty Company CNA A Stock Company 333 South Wabash Avenue Chicago, Illinois 60604 Continental Casualty Company Group Long Term Care 333 South Wabash Avenue Chicago, IL 60604 1-(800)-528-4582

More information

Accelerated Benefit Riders

Accelerated Benefit Riders Accelerated Benefit Riders Living Benefits From Life Insurance. Policies issued by American General Life Insurance Company Quality of Life Insurance is designed to let you use your life insurance benefits

More information

Living Benefits. A Key to Life Insurance. Products issued by National Life Insurance Company Life Insurance Company of the Southwest

Living Benefits. A Key to Life Insurance. Products issued by National Life Insurance Company Life Insurance Company of the Southwest Living Benefits A Key to Life Insurance Products issued by National Life Insurance Company Life Insurance Company of the Southwest 10 % National Life Group is a trade name of National Life Insurance Company,

More information

Life Insurance with BenefitAccess Rider A CHRONIC AND TERMINAL ILLNESS RIDER THAT GIVES YOU FREEDOM, CHOICE, AND CONTROL

Life Insurance with BenefitAccess Rider A CHRONIC AND TERMINAL ILLNESS RIDER THAT GIVES YOU FREEDOM, CHOICE, AND CONTROL Life Insurance with BenefitAccess Rider A CHRONIC AND TERMINAL ILLNESS RIDER THAT GIVES YOU FREEDOM, CHOICE, AND CONTROL This brochure must be accompanied or preceded by a product brochure. Issued by Pruco

More information

Pacific PremierCare Advantage

Pacific PremierCare Advantage Pacific Life Insurance Company Pacific PremierCare Advantage Universal Life Insurance with Long-Term Care Benefits 1 Client Guide 1 Pacific Life Insurance Company s Pacific PremierCare Advantage (Policy

More information

TAX-QUALIFIED LONG-TERM CARE INSURANCE POLICY. featuring the CA$H-FIRSTadvantage. AIM-CA v:uoo1

TAX-QUALIFIED LONG-TERM CARE INSURANCE POLICY. featuring the CA$H-FIRSTadvantage. AIM-CA v:uoo1 TAX-QUALIFIED LONG-TERM CARE INSURANCE POLICY SM featuring the CA$H-FIRSTadvantage AIM-CA v:uoo1 Your life Your way! You ve always done things your way. Forged your own path. Never been one to follow along

More information

There s more to life than you may think

There s more to life than you may think CLIENT BROCHURE The Nationwide LONG-TERM CARE RIDER There s more to life than you may think Introducing the Nationwide long-term care rider A lifeline if you need it, a legacy if you don t. Nationwide

More information

Protection when you need it most.

Protection when you need it most. Protection when you need it most. Consumer Guide Long-Term Care Rider Long-Term Care Rider An Accelerated Death Benefit Rider The purpose of this communication is the solicitation of insurance. Contact

More information

Protective Preserver PROTECTIVE LIFE S. Outline of Coverage for Comprehensive Long Term Care Accelerated Death Benefit Endorsement

Protective Preserver PROTECTIVE LIFE S. Outline of Coverage for Comprehensive Long Term Care Accelerated Death Benefit Endorsement PROTECTIVE LIFE S Protective Preserver Outline of Coverage for Comprehensive Long Term Care Accelerated Death Benefit Endorsement Must be given to the Applicant at the time of purchase For Use in FL Only.

More information

Life Insurance HELP PROTECT YOUR HOME, FAMILY AND INCOME. Life insurance can help protect what s important to you. TC84163(0415)3 Cat No 62686 (0415)

Life Insurance HELP PROTECT YOUR HOME, FAMILY AND INCOME. Life insurance can help protect what s important to you. TC84163(0415)3 Cat No 62686 (0415) Life Insurance HELP PROTECT YOUR HOME, FAMILY AND INCOME Life insurance can help protect what s important to you Product issued by Life Insurance Company of the Southwest Cat No 62686 (0415) Help Protect

More information

Protective Preserver PROTECTIVE LIFE S. Outline of Coverage for Comprehensive Long Term Care Accelerated Death Benefit Rider

Protective Preserver PROTECTIVE LIFE S. Outline of Coverage for Comprehensive Long Term Care Accelerated Death Benefit Rider PROTECTIVE LIFE S Protective Preserver Outline of Coverage for Comprehensive Long Term Care Accelerated Death Benefit Rider Must be given to the Applicant at the time of purchase For Use In AZ Only L575-OC-AZ

More information

A Guide to Long-Term Care Insurance

A Guide to Long-Term Care Insurance A Guide to Long-Term Care Insurance America s Health Insurance Plans America s Health Insurance Plans (AHIP) is a national trade association representing nearly 1,300 member companies providing health

More information

Ensuring Your Path. Solutions Protecting Life s Next Steps. The Guardian Life Insurance Company of America A LONG TERM CARE GUIDE FOR CONSUMERS

Ensuring Your Path. Solutions Protecting Life s Next Steps. The Guardian Life Insurance Company of America A LONG TERM CARE GUIDE FOR CONSUMERS Ensuring Your Path Solutions Protecting Life s Next Steps Pub5889ICC (5/13) ICC13 LTCR 5889 2013 1438 The Guardian Life Insurance Company of America A LONG TERM CARE GUIDE FOR CONSUMERS The good news is

More information

Medicare Hospice Benefits

Medicare Hospice Benefits Large Print Edition Medicare Hospice Benefits a special way of caring for people who have a terminal illness This booklet explains... The hospice program and who is eligible. Your Medicare hospice benefits.

More information

Everyone deserves a better Tomorrow.

Everyone deserves a better Tomorrow. Underwritten by Transamerica Life Insurance Company Customer Service: 1-888-763-7474 or www.tebcs.com Everyone deserves a better Tomorrow. Trans Select 20 is term life insurance that can help protect your

More information

Building your coverage under a Group Long Term Care Insurance Policy underwritten by Aetna Life Insurance Company (Aetna)

Building your coverage under a Group Long Term Care Insurance Policy underwritten by Aetna Life Insurance Company (Aetna) Building your coverage under a Group Long Term Care Insurance Policy underwritten by Aetna Life Insurance Company (Aetna) When you make the decision to purchase Long Term Care (LTC) insurance, you are

More information

Living Benefits. There s More to Life

Living Benefits. There s More to Life Living Benefits There s More to Life Die Too Soon Become Ill Live Too Long Die Too Soon Products issued by National Life Insurance Company Life Insurance Company of the Southwest Become Ill Live Too Long

More information

Partners in Planning: Life Insurance and Long-term Care

Partners in Planning: Life Insurance and Long-term Care Partners in Planning: Life Insurance and Long-term Care From Nationwide Advanced Sales: The Specialists 1 hour CE Some things you need to know This presentation was not intended by the author to be used,

More information

PROTECTIVE LIFE INSURANCE COMPANY / P. O. BOX 2606 / BIRMINGHAM, ALABAMA 35202

PROTECTIVE LIFE INSURANCE COMPANY / P. O. BOX 2606 / BIRMINGHAM, ALABAMA 35202 PROTECTIVE LIFE INSURANCE COMPANY / P. O. BOX 2606 / BIRMINGHAM, ALABAMA 35202 OUTLINE OF COVERAGE FOR COMPREHENSIVE LONG-TERM CARE ACCELERATED DEATH BENEFIT RIDER Rider Form: L575-IL 2-04 CAUTION: The

More information

Underwritten by Genworth Life Insurance Company

Underwritten by Genworth Life Insurance Company The Teacher Retirement System of Texas Group Long Term Care Insurance Program for New TRS Members Underwritten by Genworth Life Insurance Company 2007 Genworth Financial, Inc. All rights reserved. 45145

More information

Your Long-Term Care Insurance Benefits

Your Long-Term Care Insurance Benefits Long-Term Care Long-Term Care Insurance can help you or an eligible family member pay for costly Long-Term Care assistance when you can no longer function independently. For more information on See Page

More information

LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR EMPLOYEES OF. FLORIDA INSTITUTE OF TECHNOLOGY (the Sponsoring Organization)

LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR EMPLOYEES OF. FLORIDA INSTITUTE OF TECHNOLOGY (the Sponsoring Organization) UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR EMPLOYEES OF FLORIDA INSTITUTE OF TECHNOLOGY (the Sponsoring

More information

It s about living life on your terms.

It s about living life on your terms. A Solutions Guide for Individuals It s about living life on your terms. SignatureCare 500 Partnership Programs insure Insurance invest Strategies retire LTC54000P Contents 1 The need for long term care

More information

Long-term Care Insurance & Maine s Long-term Care Partnership Program

Long-term Care Insurance & Maine s Long-term Care Partnership Program A Consumer s Guide To Long-term Care Insurance & Maine s Long-term Care Partnership Program Published by: The Maine Bureau of Insurance July 2014 Paul R. LePage Governor Eric A. Cioppa Superintendent A

More information

Project Number: TC40584(0708) Date Approved in Domicile: 04/24/2000

Project Number: TC40584(0708) Date Approved in Domicile: 04/24/2000 LTC Riders Flyer/(0708) Filing at a Glance Company: National Life Insurance Company Individual Long Term Care SERFF Tr Num: NALF-125810842 State: ArkansasLH Rider LTC05I Individual Long Term Care - SERFF

More information

Asset-Care. Guaranteed single premium coverage for long-term care using the foundation of life insurance. State Life Care Solutions

Asset-Care. Guaranteed single premium coverage for long-term care using the foundation of life insurance. State Life Care Solutions State Life Care Solutions Asset-Care Guaranteed single premium coverage for long-term care using the foundation of life insurance Products and financial services provided by The State Life Insurance Company

More information

Accelerated Benefit Rider for Long Term Care Services

Accelerated Benefit Rider for Long Term Care Services Producer Information I Accelerated Benefit for Long Term Care Services Accelerated Benefit for Long Term Care Services Building Financial Security Life insurance products underwritten by: Genworth Life

More information

LPL Insurance associates. Guide to Long-Term Care Insurance

LPL Insurance associates. Guide to Long-Term Care Insurance Guide to Long-Term Care Insurance Long-term care insurance can be confusing, no matter who you are, especially if you don t know who to turn to for expert advice. The decision to purchase long-term care

More information

Term Portfolio A CONSUMER S GUIDE. Breathe Easier. Worry Less. Products issued by National Life Insurance Company

Term Portfolio A CONSUMER S GUIDE. Breathe Easier. Worry Less. Products issued by National Life Insurance Company Term Portfolio A CONSUMER S GUIDE Breathe Easier. Worry Less. Products issued by National Life Insurance Company National Life Group is a trade name of National Life Insurance Company and its affiliates.

More information

Guaranteed Protection Universal Life. Discover What s Possible

Guaranteed Protection Universal Life. Discover What s Possible Guaranteed Protection Universal Life Discover What s Possible Guaranteed Protection Universal Life Peace of mind for you, protection for your heirs As the center of a sound financial plan, permanent life

More information

Long Term Care. TransACE Long Term Care Rider Consumer Guide ICC12 OL 3011 0912. t r a n s a m e r i c a

Long Term Care. TransACE Long Term Care Rider Consumer Guide ICC12 OL 3011 0912. t r a n s a m e r i c a Long Term Care GET STARTED ON YOUR PLANS TODAY TransACE Long Term Care Rider Consumer Guide ICC12 OL 3011 0912 t r a n s a m e r i c a Americans are living longer lives which means needs are changing.

More information

LAFRA LONG TERM CARE FREQUENTLY ASKED QUESTIONS (FAQs)

LAFRA LONG TERM CARE FREQUENTLY ASKED QUESTIONS (FAQs) LAFRA LONG TERM CARE FREQUENTLY ASKED QUESTIONS (FAQs) WHO IS ELIGIBILE? Active Members participating in the PPO plan (Core plan is paid for by LAFRA) Retirees participating in the PPO plan (receive $9.15

More information