Every day, some people are forced to drain their retirement accounts to pay for Long Term Care expenses, because they were declined or too highly rated for a LTC Policy.

Life Insurance with “Living Benefits” may provide a solution:   Your clients may be eligible to have up to $120,000 / year paid directly to them if they are unable to perform 2 of 6 ADLS or have a Cognitive Impairment.

  • 0 Day Elimination Period 
  • Premiums are waived while on claim 
  • Underwriting based on mortality only

I have helped clients that have following conditions: 

  • Rheumatoid Arthritis
  •    Type 1 Diabetes    
  •  Bipolar Disorder    
  • COPD
  •    Sleep Apnea    
  • Coronary Heart Disease

Case Study: Female, age 60, with Rheumatoid Arthritis previously Declined for a standalone LTC policy, Approved Standard with Full Rider Benefits.