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
- A 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.