MutualCare® Solutions Portfolio

MutualCare® Secure Solution is a traditional long-term care policy that allows people to plan ahead for their long-term care needs.

MutualCare® Custom Solution is a different approach to structuring policy benefits. It provides the flexibility to manage long-term care expenses and control how the dollars in the long-term care “account” are spent.

Issue Ages: 30-79 (Age Last Birthday)

Tax Qualified

Benefit Payment:

  • MutualCare Secure Solution Monthly Maximum: $1,500-$15,000
  • MutualCare Custom Solution Monthly Maximum: $1,500-$15,000

Elimination Period:

  • MutualCare Secure Solution: 90, 180 or 365 Calendar Days
  • MutualCare Custom Solution: 0, 30, 60, 90, 180, or 365 Calendar Days

Benefit Period:

  • MutualCare Secure Solution: 24, 36, 48 months
  • MutualCare Custom Solution: Uses the pool of dollars to determine the initial policy limit.

Inflation Period:

  • MutualCare Secure Solution: 3%, 4% or 5% Compound, 3%-5% 20 yr Compound, No Inflation
  • MutualCare Custom Solution: 1%-5% Compounded, Inflation duration lifetime, 20/15/10 yrs, No Inflation

Riders Available: Waiver of Elimination Period for Home Health Care, Return of Premium at Death, Survivorship Benefit, Joint Waiver of Premium, Shared Care, Nonforfeiture – Shorten Benefit Period, Professional Home Health Care, Security Benefit.

Features: Cash Benefit, Care Coordination Benefit, International Benefit

Sales Tools

AudienceDocumentUpdatedLink
Consumer UseLong-Term Care Cost Calculator08/31/2026Click Here
Advisor Use OnlyForms06/09/2026Click Here
Advisor Use OnlyMulti-Carrier Underwriting Guide10/08/2026Click Here
Advisor Use OnlyLet’s Begin The Conversation Advisor Training Video08/31/2026Click Here
Advisor Use OnlyThe MutualCare Solution Advisor Training Video08/31/2026Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer UseHealth Matters Consumer Flyer08/31/2026ICC22455824Click Here
Consumer Use“Discover the Cost of Waiting” Consumer Brochure08/31/2026453338Click Here
Consumer UseLTC Partnership Programs Consumer Brochure08/31/2026453329Click Here
Consumer UseConsumer Prescreen Flyer08/31/2026455824Click Here
Consumer UseInflation Protection Consumer Flyer08/31/2026453336Click Here
Consumer UseSecure Solution Consumer Brochure08/31/2026453331Click Here
Consumer UseCustom Solution Consumer Brochure08/31/2026453330Click Here
Consumer UseShoppers Guide (NAIC)08/31/2026M18138Click Here
Consumer UseTax Advantages for Individuals Consumer Brochure08/31/2026453334Click Here
Advisor Use OnlyMutual Perks Advisor Flyer08/31/2026461403Click Here
Advisor Use OnlyReturn of Premium (ROP) Rider Consumer Flyer08/31/2026ICC25620383Click Here
Advisor Use OnlyCash and Reimbursement Benefits Advisor Flyer08/31/2026399649Click Here
Advisor Use OnlyAdvisor Guide08/31/2026454000Click Here
Advisor Use OnlyThe Cost of Long-Term Care Services Brochure08/31/2026601511Click Here
Advisor Use OnlyCompound Inflation Protection – Limited Period Benefit with Buy-Up Option Specimen Rider08/31/20260NH7MClick Here
Advisor Use OnlySpecimen Policy08/31/2026ICC13-LTC13Click Here
Advisor Use OnlyLong-Term Care: How We Stack Up Flyer08/31/2026465012Click Here
Advisor Use Onlye-App Quick Start Guide08/31/2026450456Click Here
Advisor Use Only“Protecting Retirement Assets” Flyer08/31/2026404002Click Here
Advisor Use Only“The Cost of Waiting” Advisor Flyer08/31/2026399652Click Here
Advisor Use Only“The Changing Landscape of LTC Planning” Flyer08/31/2026399632Click Here
Advisor Use OnlyState Differences Matrix08/31/2026601275Click Here
Advisor Use OnlyInflation Protection Advisor Flyer08/31/2026399646Click Here
Advisor Use OnlyAdvisor’s Role in the LTC Claims Process Brochure08/31/2026466751Click Here
Advisor Use OnlyAdvisor Tax Guide08/31/2026420290Click Here
Advisor Use OnlyWaiver of Elimination Period for Home Health Care Benefits Specimen Rider08/31/2026ICC13-0NG8MClick Here
Advisor Use OnlySurvivorship Benefit Specimen Rider08/31/2026ICC13-0NH5MClick Here
Advisor Use OnlyShared Care Benefit Specimen Rider08/31/2026ICC13-0NH6MClick Here
Advisor Use OnlyReturn of Premium (Less Claims Paid) if Death Occurs Before Age 65 Benefit Specimen Rider08/31/2026ICC13-0NJ7MClick Here
Advisor Use OnlySecurity Benefit Specimen Rider08/31/2026ICC13-0NH3MClick Here
Advisor Use OnlyThree Times the Maximum Monthly Benefit Return of Premium at Death (Less Claims Paid) Benefit Specimen Rider08/31/2026ICC13-0NL1MClick Here
Advisor Use OnlyReturn of Premium at Death (Less Claims Paid) Benefit Specimen Rider08/31/2026ICC13-0NJ6MClick Here
Advisor Use OnlyJoint Waiver of Premium Specimen Rider08/31/2026ICC13-0NH4MClick Here
Advisor Use OnlyProfessional Home Health Care Benefits Specimen Rider08/31/2026ICC13-0NG7MClick Here
Advisor Use OnlyCompound Inflation Protection – Limited Period Benefit Specimen Rider08/31/2026ICC13-0NJ1MClick Here
Advisor Use OnlyCompound Inflation Protection – Lifetime Benefit Specimen Rider08/31/2026ICC13-0NH9MClick Here
Advisor Use OnlyCash Benefit Specimen Rider08/31/2026ICC13-0NK6MClick Here
Advisor Use OnlyTax Advantages for Business Owners Consumer Brochure08/31/2026453335Click Here

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