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Fund retirement, secure income, prepare for the unexpected, or leave a legacy? Align your clients’ needs with a product that fits their needs.
Offers opportunity for guaranteed growth or greater growth potential for protected lifetime income.
Offers growth potential without any worrisome market losses with an option to predictably grow a legacy.
Multiplies a contract value by two to three times for qualifying LTC expenses.*
Provides stable, guaranteed growth for three years.
Provides stable, guaranteed growth for five years.
Provides stable, guaranteed growth for seven years.
Gives flexibility for immediate or deferred guaranteed income for life or a set period.
Provides tax-deferred growth potential with an optional death benefit, available at an additional cost, to help ease the tax burden on wealth passed to beneficiaries.
*This is called the ForeCare Multiplier: 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.
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