LTC Riders: Understanding the Differences in Design

Our LTC Rider on Income Advantage IUL and Life Protection Advantage IUL follows what is  known as a reimbursement rider model. Many other companies use an indemnity model. Knowing the difference is important.

Read the Indemnity vs. Reimbursement Sales Idea flyer ,recently updated with the new 2021 per diem limits, to understand the differences, to see case studies of how the models impact the maximum benefit limits and the duration of benefits, and a comparison of rider models used throughout the industry.

For even more information on our new LTC Rider, visit MutualofOmaha.com/ltc-rider.