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Return of Premium Long Term Care

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Return of Premium Long Term Care Insurance

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1
A Long Term Care Reimbursement Account

The Reimbursement Account is what you can spend on your Long Term Care however you choose when you are determined eligible by a doctor of your choice. The only limitation is that you have to remain under the Monthly Maximum Benefit Amount which is known to you when you buy the policy.

Long Term Care Benefits

LTC Benefits First Year Please Fill Out Form
LTC Benefits at Age 80 Please Fill Out Form
2
A Life Insurance Benefit

Should you die suddenly before needing any LTC benefits the policy has a life insurance benefit that is paid directly to your designated beneficiary income tax free.

Life Insurance Benefit

Death Benefit First Year Please Fill Out Form
Death Benefit at Age 80 Please Fill Out Form
3
A Cash Surrender Value

You can cancel the policy for any reason and a 100% Return of Premium is guaranteed anytime after the 5th year. The amount returned is subject to the following schedule: Year 1: 80%, Year 2: 84%, Year 3: 88%, Year 4: 92%, Year 5: 96% and Year 6: 100%.

Premium

Premium Refund

Please Fill Out Form Please Fill Out Form

The policy is linear meaning that if you double the premium you double all the benefits and conversely half the premium would get you half the benefits.

Premium Refund

You can cancel the policy for any reason and a 100% Return of Premium is guaranteed any time after the 5th year.

The amount returned is subject to the following schedule: Year 1: 80%, Year 2: 84%, Year 3: 88%, Year 4: 92%, Year 5: 96% and Year 6: 100%.

Marital Discount

This illustration assumes that you are married and would receive the marital discount. The rate for a non-married person is slightly higher.

Disclaimer—The rates shown here are a representation of the rates available and do not constitute an offer of insurance—please see full illustration for details.