Combines a deferred fixed rate annuity with built-in long-term care benefits
- Help protect retirement assets against the risk of long-term care costs
- Provides a guaranteed rate of interest and tax-deferred growth
- Allows you to reposition a portion of your assets to provide long-term care insurance protection
- Can provide up to three times the annuity value, at time of first claim, in long-term care benefits if you need them
For a free consultation about annuities, find an agent.
Who needs this?
People that are planning for retirement who:
- Want to help protect their retirement assets
- Understand the value of long-term care insurance, but are reluctant to pay premiums for a policy they may not use
Product Benefits
Provides benefits if you need long-term care:
- Receive up to three times the annuity value, at time of first claim, in long-term care benefits
- Help preserve your overall retirement assets by using this portion of your money to pay for at least six years of long-term care
- Help protect your spouse and family from the emotional, physical and financial toll of caregiving
- Help ensure your choice of care options
Provides benefits if you don’t need long-term care:
- Earn a guaranteed rate of interest on your savings
- Take advantage of tax-deferred growth
- Access your principal through partial withdrawals or lifetime income options
- Provide a death benefit to your beneficiaries that’s equal to the annuity value at the time of death
- Avoid probate of these funds
