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Caregiving and long-term care

Building a strategy for future care needs

It's no surprise that many adults will need long-term care (LTC) at some point in their lives. Serving as a caregiver can be a great honor, but it can also present challenges.

Having a strategy for your clients’ future health care costs can make a real difference for their caregivers. Benefits include allowing family members or other caregivers to remain in their caregiving role with less stress and greater satisfaction, as they can focus on making the best care decisions rather than worrying about how to pay for care.

Our materials are designed to help clients to begin thinking of their future care needs, as well as considerations for their potential caregivers.

Client resources to help with this market

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Care in retirement questionnaire

Quick questionnaire for clients to begin considering their future care needs

Download questionnaire
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Care needs for women

Outlines unique health challenges women may face

Download brochure
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Insights article: Caregiver support

Article providing an overview of the word of caregiving.

Read article

These are only a few of our client resources

Contact us for even more tools on a variety of topics.

Find your sales team

Smart planning for future care

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Why SecureCare III

Consumer brochure about possible long-term care solution

Download brochure

Looking for more to share?

We offer a full ideas & tools library to help keep clients engaged.

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Please keep in mind that the primary reason to purchase a life insurance product is the death benefit.

Guarantees are based on the claims paying ability of the issuing company.

Life insurance products contain charges, such as Cost of Insurance Charge, Cash Extra Charge, and Additional Agreements Charge (which we refer to as mortality charges), and Premium Charge, Monthly Policy Charge, Policy Issue Charge, Transaction Charge, and Surrender Charge (which we refer to as expense charges). These policies may contain restrictions, such as surrender periods.

SecureCare III may not be available in all states. Product features, including limitations and exclusions, may vary by state.

SecureCare III includes the Acceleration for Long-Term Care Agreement and Extension of Long-Term Care Agreement. These two agreements are tax qualified long-term care agreements that cover care such as nursing care, home and community-based care, and informal care as defined in the agreement. These agreements provide for the payment of a monthly benefit for qualified long-term care services. These agreements are intended to provide federally tax qualified long-term care insurance benefits under Section 7702B of the Internal Revenue Code, as amended. However, due to uncertainty in the tax law, benefits paid under these agreements may be taxable. Please ensure that your clients consult a tax advisor regarding long-term care benefit payments, or when taking a loan or withdrawal from a life insurance contract may not be available in all states. Product features, including limitations and exclusions, may vary by state.

Additional agreements may be available. Agreements may be subject to additional costs and restrictions. Agreements may not be available in all states or may exist under a different name in various states and may not be available in combination with other agreements.

For financial professional use only. Not for use with the public. This material may not be reproduced in any form where it is accessible to the general public.

DOFU 10-2023