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.

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

  • AIG– Changes to AAS Rider

    CLICK HERE FOR A COMPARISON
    When the unforeseen chronic illness claim does occur, we make life simple with our chronic illness rider Accelerated Access Solution® (AAS):

  • AXA Client Video: Why add a LTC rider

  • AXA: LTC rider Overview

  • Global Atlantic

  • Click here for Accelerated Access Rider Info

  • John Hancock Sellers LTC Guide May 2019

  • John Hancock Consumer LTC Rider Guide

  • John Hancock Producer LTC Rider Guide

  • Lincoln Care Coverage Accelerated Benefits Rider for Long Term Care Expenses Client Guide 2.2019

  • Mutual of Omaha LTC Rider 2.2019 Flyer

  • Mutual of Omaha LTC Rider : Indemnity vs. Reimbursement 2019

  • Nationwide LTC Rider on Life Product

  • Nationwide LTC Rider on Life Product- CASE STUDY

  • Pacific Life NEW Promise with Chronic Illness Rider May 2019

  • Pacific Life Promise with Chronic Illness Rider FORM May 2019

  • 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