Long Term Care

 You want to live out the last days of your life as comfortably and with as much dignity as possible. Whether you prefer home health care or living in a nursing home, preparation can reduce the expense and burden of long-term care on your loved ones.

Specific products, based on life insurance and annuities, which can provide long-term care benefits if care is needed. If you never need care, your asset passes to the next generation and becomes part of your legacy — making asset-based long-term care an innovative alternative to traditional long-term care insurance.

Life Insurance with Long-Term Care Benefits

Discover life insurance that can give you options. Use it during your lifetime to help pay for care in your home, care in a facility, or other long-term care services. If you don’t need care, you can access the cash value during your life or make the death benefit part of your financial legacy.

Annuities with Long-Term Care Benefits

Invest in a fixed annuity to efficiently use the assets you have earmarked for long-term care. Use the annuity’s value to cover your first few years of care, then protect yourself beyond that with an optional coverage extension*. Access to the long-term care benefits can even be income tax-free.