Life & LTC Combination

Disclaimer: Policy benefits and riders vary from state to state. Check with your America’s Long Term Care Insurance Expert to see what is available in your state.


Life/Long Term Care combination policies are available in two forms:


Single Premium:  This type of policy suits the person that is already self-insuring the risk of needing long term care. They have enough assets to pay the average long term claim (3 to 5 years) and  they do not need for an ongoing premium paid for a traditional long term care insurance policy they may never use.


Life Insurance w/Accelerated Death Benefit Riders:  This is a good option for younger planners that want their loved ones to be taken care of financially in the event of an untimely death on unexpected injury or illness that requires them to need ongoing long term care.


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