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A single or flexible premium approach to self insuring the LTC risk.  This innovative Universal Life policy creates a guaranteed death benefit, large pool of funds available for LTC needs, and a RETURN OF PREMIUM if funded with a single of flexible premium!  Also:

  • A fully guaranteed contract.
  • A simplified product that’s easier to explain and illustrate.
  • Tax Free Death Benefits
  • Tax Free LTC Benefits
  • return of premium feature included at issue on single premium and can be elected on 5-pay or 10-pay policies.
  • A range of premium options: single premium, 5 or 10 pay.
  • Inflation protection options.
  • A linked-benefits policy which combines death protection with long-term care benefits in a single contract.


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