It’s Time to Talk to Your Clients About Long-Term Care

With health on the minds of millions of Americans right now, your clients may be looking for ways to help ensure they don’t have to tap into their retirement savings for health-related setbacks. Now may be the right time to talk to them about adding a long-term care (LTC) strategy to their retirement portfolio.

A ForeCare fixed annuity with LTC benefits can give your clients 2X to 3X more money for qualified LTC expenses.^1,2,3 And if unused for LTC expenses or income, the remaining assets at death passes to beneficiaries through a death benefit – it’s not lost.

Show your clients a new way to help keep their retirement on track – even during an LTC event!

1ForeCare is for non-qualified funds only.
2This is called the ForeCare Multiplier (for non-qualified funds only): it provides two or three times (depending on underwriting eligibility) the amount of contract value in long-term care coverage to spend on qualified long-term care expenses. Benefits are subject to a maximum monthly benefit. The additional coverage in excess of the Contract Value is only available to use for a qualified long-term care benefit and will not become part of the contract value or the death benefit. Withdrawals, other than for qualified long-term care expenses, will adversely affect the amount of coverage for long-term care benefits in the future. Note: California policies apply the multiplier to the initial premium net of any optional benefit charges, and not the current contract value.
3 To qualify for long-term care benefits you must be diagnosed as chronically ill by a licensed health care practitioner, which means you are severely cognitively impaired requiring substantial assistance to protect against threats to health and safety or are unable to perform at least two of the six Activities of Daily Living (ADLs).