The following features are included in your permanent life with long term care plan offering. For complete plan details, please click on your FAQ tab.
Guarantee Issue - Lawyers & staff (ages 19 through 70) enrolling during their initial enrollment period cannot be turned down (no medical questions).
Spouse / domestic partner - can apply for coverage (limited medical questions) when a lawyer / staff member enrolls.
Permanent Term Insurance - Provides permanent life insurance protection with life insurance rates that don’t change as you age.
Long Term Care (LTC) Protection (Included) - Provides a monthly LTC benefit equal to 4% of your death benefit. E.g., a $100,000 policy will pay a $4,000 monthly LTC benefit for up to 50 months, resulting in $200,000 maximum in LTC benefits.
Restoration of Death Benefit (Included) - restores death benefit when LTC payments are made, to 50% of the original death benefit up to a maximum of $50,000.
Permanent and Portable - Take this policy with you when you leave employment or retire, at the same cost and same benefits!
Paid-Up Benefits - After 10 years, paid-up benefits begin to accrue. At any point thereafter, if you stop paying premium, a reduced paid-up benefit is issued and can never lapse.
