HR Professionals: Looking for a new employee benefit to offer this fall?

Have you considered adding Long-Term Care protection?

Popularity for LTC protection has grown significantly in recent years, in part due to some fantastic product enhancements. New, innovative hybrid Life/LTC products offer 2-in-1 protection, combining Permanent Life Insurance with Long-Term Care benefits.

Perhaps most importantly, these hybrid solutions provide value whether the insured experiences a long-term care event or ultimately utilizes the life insurance death benefit. Employees receive Permanent Life coverage with guaranteed rates, guaranteed issue underwriting, and coverage that remains portable into retirement at the same premium level. If an employee experiences a qualifying LTC event, policyholders can accelerate their death benefit to help pay for care at home, in assisted living, or in a skilled nursing facility.

Hybrid Life/LTC solutions provide employers with a flexible benefit that can be offered on an employer-paid, employee-paid, or shared-cost basis while helping employees protect retirement savings and accumulated assets.