Long-term care (LTC) coverage for two people on a fixed-premium, last-survivor universal life
chassis. This means long-term care benefits are available for both people, but any remaining death
benefit is paid at the death of the second insured.

Issue Ages: 

• 30-70

Long-Term Care Benefit Payment Type: Indemnity

LTC benefit: Long-term care benefits can be paid for each insured who is eligible for an LTC claim up to the available maximum monthly LTC benefit per insured, until the available total LTC benefit has been
exhausted.
Note: It is possible for one insured to use the entire benefit.

Death benefit: The death benefit is paid at the death of the second insured (second to die).