LifeTime Benefit Term with Long Term Care

Through Chubb

This life insurance plan pays a higher benefit during your working years than at age 70 when your financial needs are lower. However, your benefits for the Accelerated Death Benefit Rider for Long Term Care never reduce, which means you will have maximum protection in retirement when you are more likely to need it. The LTC rider helps supplement the cost of home healthcare, assisted living, adult day care, and nursing care when you are chronically ill. The coverage is portable, meaning you can take it with you if you change jobs, retire or become disabled.