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Long-term care & chronic illness insurance

Helping clients prepare for future care

As clients age, having a strategy for dealing with future health care costs and access to the right support services can make a real difference to help alleviate their concerns and help them prepare for unique challenges that may lie ahead.1

Securian Financial offers tax-advantaged long-term care (LTC) and chronic illness (CI) solutions to address a wide range of client needs. Help your clients secure their care, their assets and their future – for the long-term.

Long-term care

Our hybrid life/long-term care (LTC) product combines the benefits of long-term care protection with the guarantees of life insurance.

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Chronic Illness and LTC life policy agreements

Options to give individuals flexibility when deciding when and how they would like to receive care, should they become chronically ill.2

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Long-term care

Chronic illness

  1. If owner/insured are different, benefits will be paid to the owner upon the insured being certified as a chronically ill individual.
  2. Chronically Ill Individual: 
    • All states except NY: Insured has been certified by a licensed health care practitioner within the preceding 12-month period as: (1) being unable to perform, without substantial assistance, at least two Activities of Daily Living due to loss of functional capacity (activities that include eating, bathing, toileting, continence, dressing and transferring) for period of at least 90 days or (2) requiring substantial supervision to protect the insured from threats to health and safety due to severe cognitive impairment. (Confinement due to medical condition is required to be permanent in CT.) 
    • New York:  Insured has been certified by a licensed health care practitioner as: (1) being unable to perform, without substantial assistance from another person, at least two Activities of Daily Living due to a loss of functional capacity for at least 90 days; or (2) requiring substantial supervision to protect the person from threats to health and safety due to a severe cognitive impairment. 

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

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.

Some products and features may not be available in all states and features may vary by state. Not all products, features and agreements are available from all firms. Please consult with your firm before providing any products/services or materials listed here.

Guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company.

Insurance products issued by Minnesota Life Insurance Company/Securian Life Insurance Company

The information presented above is solely intended for use by financial professionals. Such information is not intended for public consumption or dissemination.

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 6-2025

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