Life with LTC Rider/Accelerated Death Benefit

Clients have the option of meeting their Long Term Care needs in a variety of ways.

  1. Stand-alone LTC (Long Term Care) products – See our LTC tab for carriers.
  2. Hybrid Products – allow clients to purchase a low death benefit and have a majority of their money remain liquid.  Clients have  liquidity, a death benefit and long term care coverage.   (Lincoln’s MoneyGuard, Genworth’s Total Living Coverage, One America- are examples of this type of product)
  3. Life Insurance with a Chronic Illness/ LTC RIDER.  It’s important to understand the differences in the riders.   Only a few carriers offer a true LTC rider.  Many are chronic illness riders, where the illness must be deemed permanent.   See the comparison below.  Not all carriers that we represent are included in this comparison.  Nationwide is another carrier that offers a very competitive rider that should be considered.  Click Here for Comparison. 

THERE IS A GREAT DEAL OF CONFUSION OVER THE DIFFERENCES BETWEEN THE LTC AND CHRONIC ILLNESS RIDERS. THIS IS A GREAT COMPARISON TOOL FROM NATIONWIDE.

BELOW ARE LINKS TO THE VARIOUS CHRONIC ILLNESS RIDERS AND LONG TERM CARE RIDERS

  • Equitable LTC Rider - How we help get benefits sooner

  • Equitable LTC Rider Overview

  • Equitable how our LTC Services Rider adds to retirement

  • Global Atlantic

  • John Hancock LTC Rider consumer flyer

  • John Hancock Consumer LTC Rider Guide - New Nov 2020!

  • Lincoln LTC Planning

  • Lincoln LTC Planning Client Guide

  • Mutual of Omaha LTC Rider : Indemnity vs. Reimbursement

  • Mutual of Omaha LTC Rider info and underwriting guide

  • Nationwide LTC Rider on Life Product

  • Nationwide LTC Rider on Life Product- CASE STUDY

  • Pacific Life NEW Promise with Chronic Illness Rider

  • Pacific Life Promise with Chronic Illness Rider FORM

  • Pacific Life Promise Chronic Illness Rider Table

  • Pacific Life Promise Chronic Illness Rider

  • Protective Extended Care Rider

  • Top 10 Reasons to add the ECR Rider

  • ECR Consumer Brochure

  • PRU Benefit Access Rider Fast Facts Updated November 2019

  • Transamerica Trendsetter LB Consumer Guide

  • Transamerica IUL with Living Benefits Rider Client flyer May 2019

  • Transamerica IUL with Living Benefits Rider Brochure May 2019