Enrollment closes: June 20, 2026

Long-Term Care + Life Insurance

Claim your $150,000 benefit to fund professional care when you need it.

Up to $150,000 Guaranteed Issue

No health questions, no pre-existing condition limitations.

Locked in Premiums

Your premium is locked in at your current age and will never go up as you get older.

Exclusive Group Rates

Secured affordable offer from The Standard with group pricing to protect you and your family.

We’ve secured this exclusive offer from The Standard to help protect your family from the financial impact of long-term care.

Select your look...

What’s your name?

We’ll use this to personalize your quote.

How old are you,
there?

We’ll use your age to calculate long-term care costs and benefits.

What state do you live in?

We’ll use this to show you the projected cost of care where you live.

Have you ever had to be a caregiver for an aging loved one?

Over 50 million people in the United States are providing unpaid care for a loved one.

What matters most to you in
planning for long-term care?

Entry-level pricing starts at just $24/month. placeholder: price is calculated from age + minimum cover

Select a benefit
amount to explore

This sets both your long-term care coverage and what your beneficiaries receive. You can adjust this later in the process—we’re just exploring options right now.

Select Death Benefit:

Monthly premium

$24 Price locked

Max LTC benefit (age 75)

$25,932

Guaranteed issue

No health questions

How your benefit works

Select a Death Benefit amount

Sets your monthly premium and what your beneficiaries receive.

$100,000 Death Benefit

It converts into a living benefit

If you need long-term care, your benefit pays out monthly cash payments.

5% annual Inflation Protection to help cover the rising cost of care.

$6,000 Initial monthly benefit, 17 months

Extension Rider doubles your coverage

Adds another 17 months of monthly payments after your initial benefit runs out.

$200,000 LTC payments, up to 34 months

Your death benefit is restored

Even if you use your full LTC benefit, $100,000 is restored for your beneficiaries.

$300,000 Maximum total payout

See what $100,000 of coverage looks like

Your coverage grows at 5% per year to match future care costs. And if you need care sooner? Benefits are available starting today.

Alex

45

If you needed care today

You receive

$6,000/month

Immediate benefits at 45 years old

Covers care from a licensed provider after an initial 90-day period.

Covers professional care in any setting: your home, assisted living, or a nursing facility.

Alex

75

When most people need care

You receive

$25,932/month

Your benefits at 75 years old

Your benefits compound at 5% annually, growing alongside care costs.

Cash benefit paid directly to you when you qualify. Use it for any care expenses, no receipts needed.

Your coverage grows from $6,000 to $25,932 over 30 years.

Your premium stays locked, no matter how much your benefits grow.

Your benefit continues to grow through to age 121.

What if I paid for care myself?

Most people who need long-term care rely on personal savings, investments, and family support to fund their care. Here’s how self-funding compares to LTC coverage when you set aside the same amount each month.

Alex

75

Same monthly cost

$0

Same total paid by 75

$0

SELF-FUNDING

5% annual growth assumption

$0

Total account value over 30 years

2.3xGrowth

LTC COVERAGE

6%/mo of your death benefit

$0

Max LTC Benefit + Extra Death Benefit

10.9xGrowth

+$0

Life Insurance with Long-Term Care benefit

Planning Assumptions

Policy start age

Benefit age

Death Benefit Guaranteed issue

Relation

Tobacco user

LTC COVERAGE

LTC funds + extra Death Benefit

Locked monthly premium

$0

Guaranteed issue (no health questions) Claim support from an LTC specialist

Monthly LTC Benefit

$0

Total paid premiums at 75 years old

$0

Insurance multiplier 0xReturn on premiums paid

Total benefits (Death Benefit + LTC Funds)

$0

What do you want to
compare against?

Disclaimer: This sample is intended to help inform and educate and shows example rates and potential benefits for the selected conditions. Please refer to the enrollment system for final rates and underwriting eligibility. This is not an offer of coverage. You will be ineligible for coverage if you plan to use this product to replace coverage that you already own. You can, however, purchase coverage in addition to another policy that you already own.

Claim your $150,000 benefit to fund professional care when you need it.

What’s your name?

How old are you,
there?

What state do you live in?

Have you ever had to be a caregiver for an aging loved one?

What matters most to you in
planning for long-term care?

Select a benefit
amount to explore

How your benefit works

See what $100,000 of coverage looks like

What if I paid for care myself?

Life Insurance with Long-Term Care benefit

What do you want to
compare against?

What is long-term care?

Customize your benefit and see what your future looks like

Claim your $150,000 benefit to fund professional care when you need it.

What’s your name?

How old are you,there?

What state do you live in?

Have you ever had to be a caregiver for an aging loved one?

What matters most to you in planning for long-term care?

Select a benefit amount to explore

How your benefit works

See what $100,000 of coverage looks like

What if I paid for care myself?

Life Insurance with Long-Term Care benefit

What do you want tocompare against?

How old are you,
there?

What matters most to you in
planning for long-term care?

Select a benefit
amount to explore

What do you want to
compare against?