Life Insurance with Long-Term Care

Special enrollment is April 1-30, 2026

Schedule a 1-on-1 Consultation here

Flexible coverage from $25,000 to $150,000

Long-term care is the support you need when you're facing a long-term health issue or the effects of aging. It's comprehensive, ongoing, and can often exceed the average American income.

Take advantage of this special enrollment opportunity to offset long-term care costs when you need it—and support your loved ones after you’re gone.

Enroll Now

What is Life Insurance with Long-Term Care?

This program is a permanent life insurance policy that will remain in place until age 121. It provides dual coverage, allowing you to use the policy to cover long-term care costs while also protecting your beneficiaries after you are gone.

Webinar 1
April 7, 2026 10am EST

Webinar 2
April 14, 2026 11am EST

Webinar 2
April 23, 2026 12pm EST

What's special about this plan?

Long-Term Care and Life Insurance coverage in one policy.

Eligible employees cannot be turned down because of their health.

Eligible employees may extend coverage to their spouse/domestic partner.

Lock in a lower rate. Your premium is always based on the age when your policy became effective.

Take your coverage with you at the same cost should you leave your employer.

Convenient payment through payroll deduction.

Why does Long-Term Care Planning matter?

Long-Term Care services are usually not covered by your Health Insurance, Disability Insurance, or Medicare. 

LTC Insurance can save you from paying 100% out-of-pocket for future long-term care costs.

Average Monthly Cost of Care: Michigan
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Want more details? See LTC costs in your area here.

In-Home Care
$5,840

Assisted Living
$6,661

Nursing Home
$8,669

LTC costs are on the rise ... and retiree income might not be enough to keep up.  Projections show that LTC costs will more than double over the next 30 years.

But, the average income of persons over 65 is only $59,872. Securing coverage now can help you offset the costs of LTC.^†

Enroll Now

How does it work?

1. Make The Most of Your Life Insurance

Don’t need long-term care during your lifetime? The death benefit is still available to your beneficiaries*.

2. Access Both Life and Long Term Care Benefits

For example, receive 4% per month, maximum 50 months with extension of benefits, of your life insurance amount for your LTC benefit*.

*When funds are used for long-term care, 50% of the death benefit is restored (Max. $50K)

Get up to 3x your original benefit amount in total coverage

If you deplete your entire Death Benefit due to LTC, we restore your Death Benefit to 50% of your original death benefit, not to exceed $50,000

Table showing examples of how different benefit amounts translate max benefit amounts when death benefit and long-term care benefits are combined

To see more benefit amount and rate examples, visit the Rate Calculator.

Who is eligible for this benefit?

Employees actively employed working at least 20 hours per week
Guaranteed Issue up to $150,000 for employees ages 19 to 70 - meaning employees cannot be turned down during the initial enrollment period because of their health.
Spouses and domestic partners are eligible for $25,000 of coverage through age 60
Other family members such as parents, siblings, etc. are not eligible for coverage.