Plan Information & Disclosures

Permanent Life Insurance with Long-Term Care (LTC) – LifeTime Benefit Term

Coverage built for a lifetime. Help protect your family's quality of life – after you're gone or while you're still living.


Long-Term Care will pay for services and accommodations if you need assistance with your activities of daily living. Permanent Life Insurance with Long-Term Care (LTC) – LifeTime Benefit Term gives you protection through a policy that maintains level Life Insurance premiums. Together, they provide protection and security through all stages of life.


  • Portable: You can take your policy with you if you change jobs, and you can keep it through retirement 
  • Guaranteed Acceptance: No medical exam is required, and coverage is issued based on the answers to simple health questions for eligible employees
  • Immediate Eligibility: After 90-day elimination period 
  • Affordable: Life Insurance premiums will never increase and are guaranteed through age 100
  • Valuable: Even if you don't need LTC, you can still receive Life Insurance benefits

Plan Details

Life Insurance: When you enroll, you will select from a range of life insurance amounts.


LTC Benefit: If you need LTC, you can access your life insurance while you are living to be used for care at home, assisted living, adult day care, or nursing facility care. To qualify you must not be capable of performing two of six activities of daily living or experience cognitive impairment.


Total LTC Benefit: Your total LTC benefit is 4% of the Life Insurance amount selected, which will provide 25 months of LTC coverage.


Benefit Restoration: If you exhaust your policy's LTC Coverage, you can elect to receive a one-time restoration of 50% of your death benefit.


Important Note: This benefit is not intended to replace your existing Life Insurance coverage. You can be enrolled in both plans. This plan helps protect you with a long-term care event.

Perm Life with LTC FAQ Sheet

Perm Life With LTC How it Works Flyer