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Living Benefits


Extended care is a life-changing event that could have significant, unintended impacts on your clients’ lives, families, businesses, retirement incomes and ability to keep financial commitments. There are several asset-based (i.e., life insurance or annuity) long term care (LTC) products that may be an appropriate solution to help your clients with future extended care expenses.

Protecting their assets and repositioning a portion of them into this type of plan can help them cover costs related to LTC. Also, if your clients do not need care, their assets will be available for others or can become a legacy to pass on to their beneficiary(ies).