Linked Benefits

Get My Future Right

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7 in 10

The number of Americans age 65 or older who will need some type of long-term care*

$85,000

The average annual cost for nursing home care*

$184,500

The projected average annual cost for nursing home care in 20 years*

Protect Your Future with a Linked Benefit Plan

Traditional long term care insurance can be expensive. And if you never need long term care—all the money you’ve spent on premiums is just wasted! A Linked Benefit Plan is an alternative to a traditional long term care insurance policy that solves the “use it or lose it” conundrum.

Here's how it works:

You make on lump sum deposit, which is always available for a 100% return

$100,000
Deposit

The plan instantly multiplies your investment by as much as FIVE TIMES for long term care benefits, including home health care.

$595,718^*
Total Long Term Care Benefit

And if you never need long term care...

Then your money goes to your heirs-tax free!

Expect the Best. Prepare for the Unexpected.

Fill in the simple form below and we will send you a free, personalized long term care benefit report.

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Additional Info

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Give Yourself Confidence in the Future Today!

We will create a personal report using the information you provide, showing how much of a long term benefit you may expect to receive—provided you qualify. If the numbers make sense, then the decision to proceed is yours.

^{*Assumptions: Female, nonsmoker, issue age 60 with 6-year benefit period duration elected with 3% Simple Interest Inflation Benefit Option elected at policy issue and Couples Discount applied. Assume long-term care benefits begin at age 80. Actual benefit amounts would be different, depending upon insured’s age, gender, couples discount, and smoking status. Policy Benefits are reduced by any policy loans, withdrawals, or terminal illness benefit paid under the policy. Death Proceeds and Return of Premium Benefit will be reduced when long-term care benefits are taken. Values assume no prior distributions of any kind taken.}

^{*U.S. Administration on Aging, Department of Health and Human Services, Dec. 2012}

^{*Average annual U.S. nursing home costs in 5011 and in 20 years (assuming costs increase each year by 3.95%, the average annualized increase of U.S. nursing home costs from 1994 to 2011). Source: 2012 Sourcebook for Long-Term Care Insurance, American Association for Long-Term Care Insurance)}