Permanent Life & Long Term Care

Two important coverages for when you need them the most.

• Permanent Life + Long-Term Care (LTC) is two-in-one security. It combines permanent life insurance with benefits that can help with the high costs of long-term care services. It helps protect your family from the financial impact of losing a loved one or needing extended care. You select a benefit amount that works for you, and you lock in a rate that is designed to last a lifetime and doesn’t increase due to age.
• Universal Life adjusts to your changing needs as you age. It provides a higher death benefit during your working years, when you may need the protection most. The death benefit then reduces after age 70, while your benefit for long-term care remains at the same high level.