Protecting your loved ones is one of life’s greatest responsibilities. When a family loses someone, in addition to grief, survivors may suddenly be faced with costly expenses and debts and even a loss of income. You may also, at any point in your life, need long-term care services, which could cost hundreds of dollars per day. Many families would have trouble paying for living expenses if they lost their primary earner.

Life Insurance with Long-Term Care combines the benefits of long-term care with life insurance which can be utilized for long-term care, home healthcare, adult day care, or assisted living. Many people have concerns about protecting their family's future should something happen to them. Adding to these concerns is the likelihood that they will need long-term care. Even if you don’t end up needing the long-term care benefits, you have a life insurance benefit that you may use – ensuring value from this coverage.

Why should you consider Life Insurance with Long-Term Care?

• Combined coverage: get both permanent life insurance (death benefit) and care benefits for one rate.
• Benefits can help with the cost of care when the time comes, so you can avoid depleting your retirement savings or overburdening family members.
• Care benefits can help pay for professional caregiving services including home health care, assisted living, adult day care and more.

Life Insurance with Long-Term Care is exactly what you need to plan for your financial future and alleviate any fear of burdening your family.

Take advantage of this opportunity to secure this important coverage for yourself and your spouse/domestic partner. Eligible employees include anyone aged 18-70 working 20 hours or more per pay period. Eligible employees aged 71-80 will be underwritten and will not have the LTC rider available to them.