Plan Overview

If ever there is a time you cannot care for yourself, things may get difficult – and expensive. Finding caregiving can be a challenge, and care can cost hundreds of dollars a day.

It can happen at any age, to anyone: something goes wrong, and you start needing help with the basics of everyday life, like eating, dressing, or going to the bathroom. When that happens, this plan pays cash benefits that can help you afford the comfort and quality of care that you deserve. Plus, it doubles as life insurance, with a death benefit payable to those who rely on you.

  • One-Time Guarantee Issue - employees through age 70 applying during their initial enrollment period cannot be turned down (applicants aged 71-75 have three health questions)
  • Two-In-One Coverage: Permanent Life Insurance + Long Term Care - Provides permanent life insurance protection with rates that do not change as you age and includes Long Term Care services which include being cared for in your own home.
  • Long Term Care (LTC) Protection (Included) - Includes Using Family Caregivers Provides a monthly LTC benefit equal to 4% of your death benefit, i.e., $100,000 Permanent Life policy will pay a $4,000 monthly LTC benefit for up to a $200,000 maximum. The LTC Protection includes a Family Caregiving benefit, so your care may be provided by a family member or friend rather than by a professional. When using the family caregiving benefit you can collect 2% of your death benefit per month, up to two times the face amount of your death benefit amount.
  • Interim Coverage - Your Life + Care coverage begins as soon as you apply, as long as you satisfy eligibility requirements.
  • Benefit for Terminal Illness - If your medical professional determines that your life expectancy is 24 months or less you are allowed to access 50% of your death benefit if you have a terminal illness diagnosis.
  • Reduced Paid Up - After you have had coverage for at least 10 years, you may elect to pay no additional premiums and convert your plan into either Extended Term or Reduced Paid-Up life insurance (death benefit and long-term care benefits). Details will depend on your plan, age, benefit amount and how long you have had coverage.
  • Permanent and Portable - Take this policy with you when you leave employment or retire at the same cost and same benefits!

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