Discover tailored policies that cover daily living assistance—protect your independence and shield your savings from the high cost of extended care.
Comprehensive solutions to cover daily living assistance—protect your independence and peace of mind.
Stand Alone LTC
Standalone long-term care insurance that covers daily living assistance—no life-insurance tie-in required.
Explore Stand Alone LTC →Hybrid LTC
Combination policies offering both a life-insurance death benefit and long-term care coverage—value whether you use LTC or pass the legacy on.
Explore Hybrid LTC →LTC Rider for Life Insurance
Optional rider attached to your life-insurance policy—activate long-term care benefits without a separate LTC contract.
Explore LTC Riders →
LTC riders allow life insurance to cover long-term care costs while preserving a death benefit, offering flexible, cost-effective protection that supports both healthcare needs and family financial security.
LTC riders allow life insurance to cover long-term care costs while preserving a death benefit, offering flexible, cost-effective protection that supports both healthcare needs and family financial security.
Hybrid LTC combines long-term care coverage with life insurance, offering flexible benefits, guaranteed premiums, and value whether care is needed or not—providing both protection and legacy planning.
Long-term care planning includes stand-alone LTC, hybrid life insurance, and annuity-based solutions. Stand-alone LTC offers dedicated, cost-efficient coverage for care needs, helping protect assets and independence. However, if benefits are never used, premiums are not returned. Understanding all options allows individuals to make informed, balanced decisions for future care planning.
