ForeCare
Single-premium, tax-deferred annuity with qualified long-term care benefits, for non-qualified funds only.
Issue Ages: 50-80
Premium Amounts:
Single: $35,000 – $400,000
Joint: $35,000 – $600,000
Special Features:
- Guaranteed fixed interest rates declared annually on Contract Anniversary
- No waiting period
- 90 day elimination period (within 270 consecutive days, waived for home health care with qualifying plan
of care) - Rider charge rate is guaranteed to remain unchanged through the life of the contract
The contract value at month end will not be less than the contract value at the prior month end, less any
applicable withdrawals - Withdrawal charges – 8%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0% thereafter
- 10% free withdrawal during withdrawal charge period
- Withdrawals not related to LTC will reduce the LTC benefit on a proportionate benefit
Sales Tools
| Audience | Document | Updated | Link |
|---|---|---|---|
| Consumer Use | IRA Beneficiary Guide Microsite | 09/25/2025 | Click Here |
| Consumer Use | Consumer Microsite | 12/19/2025 | Click Here |
| Consumer Use | ForeCare Calculator | 08/20/2025 | Click Here |
| Advisor Use Only | Forms Link | 09/11/2025 | Click Here |
| Advisor Use Only | Electronic Sales Kit | 09/11/2025 | Click Here |
Product Resources
| Audience | Document | Updated | Form Number | Link |
|---|---|---|---|---|
| Consumer Use | Consumer Brochure | 12/19/2025 | HA5183-2 | Click Here |
| Advisor Use Only | Product Highlights | 12/19/2025 | HA5184 | Click Here |
| Advisor Use Only | Facts and Factors Brochure | 12/19/2025 | HA5185 | Click Here |
| Advisor Use Only | ForeCare Specimen Policy | 12/19/2025 | Click Here |
Dedicated Team
2026 fmiAgent Point Awards
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