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Long-Term Care Rider

Long-term care services can quickly erode a client's savings. Help your clients plan ahead with the new Long-Term Care Rider - available on Income Advantage IUL and Life Protection Advantage IUL.

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Select Your State:

We want to make sure you get the appropriate information on products approved for sale in your state.

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Sorry, this product is not available in your state.

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According to a 2017 report from the U.S. Department of Health and Human Services, almost 70 percent of people over age 65 will require chronic care later in life - for an average of three years. And 20 percent of those individuals will need that care for longer than five years. The Long-Term Care Rider can help clients plan for these expenses.

Launch Flyer State Approvals

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How it Works

Learn how the Long-Term Care rider works and how it can benefit your clients.

Watch Video

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The Cost of LTC Services

Most people have no idea how expensive long-term care services are. You can easily look up the current costs of care and estimate future costs with our easy-to-use calculator. Or, if you prefer, use the cost of care brochure.

Calculator Brochure

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Before You Get Started

Familiarize yourself with these three important pieces before talking with a client.

State-specific materials are used in some states and are available on Forms & Materials.

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Are You Ready to Sell?

Licensing, training and continuing education requirements for selling the LTC Rider.

LTC Rider Info & UW Guide

Product information, definitions and underwriting guidelines you'll need to sell the LTC Rider.

LTC Rider Client Brochure

How will your clients handle the need for long-term care if it arises? Use this brochure with clients to discuss this need and the LTC Rider as a possible solution.