Long-Term Care Options

The Living Benefits package, offered with either of our life insurance products: Universal Life and Universal LifeEvents®, combines the best features of long-term care benefits and permanent life insurance into one product. With it, your benefits can be paid as a death benefit, as Living Benefits, or as a combination of both.

Death Benefit

Puts money in your family’s hands quickly when they need it most. It’s an unrestricted cash benefit, which means your family can use the money any way they need or want to.

Living Benefits

Makes it easy to advance part of your death benefit to help pay for home healthcare, assisted living, adult day care or nursing home services should you or your spouse ever need it.

Terminal Illness Benefit

Advances 75 percent of the death benefit if your doctor determines your life expectancy is 24 months or less.


  • Rent or mortgage payments
  • College tuition for children or grandchildren
  • Debt reduction/elimination
  • Retirement
  • Funeral expenses

Benefits may vary by state, may not be available, or may be named differently. Please refer to the policy/certificate for exact terms, conditions, exclusions, limitations and reductions.