Integrated Protection
Income and care in one strategy
Help support retirement income while preparing for qualifying long-term care needs and preserving more financial flexibility.
Plan Today. Protect Tomorrow.
Annuity Benefits
Annuity Benefits
with Long-Term Care
Protect your retirement income, preserve your independence, and prepare for future care needs with one coordinated financial strategy.
Certain annuity contracts may include long-term care benefits that provide access to funds for qualifying care expenses while also offering accumulation potential, retirement income options, and possible value for beneficiaries.
Retirement Income
Care Preparation
Legacy Protection
Why It Matters
One Solution. Multiple Benefits.
Certain annuity contracts with long-term care benefits may help support retirement income, prepare for qualifying care expenses, and preserve more flexibility for the future.
Protect Your Income
Help create dependable retirement income that may support everyday expenses, financial priorities, and long-term planning goals.
Income StabilityPlan for Long-Term Care
Access available benefits for qualifying home care, assisted living, memory care, or other eligible long-term care services.
Care ReadinessGrow Your Future
Potential tax-deferred accumulation may help contract value continue working toward retirement and future care goals.
Growth PotentialProtect Your Loved Ones
Help reduce financial pressure on family members while preserving remaining contract value for retirement or beneficiaries.
Legacy Support
Four-Part Structure
From Funding to Future Protection
Product terms, guarantees, benefit periods, eligibility requirements, and available features vary by carrier, contract, and state.
1
Fund Your Annuity
Make a single premium payment or a series of payments, depending on the annuity contract and funding structure.
2
Allow Value to Accumulate
The annuity may earn interest or offer tax-deferred accumulation according to the contract’s stated terms.
3
Access Care Benefits
When contract and eligibility requirements are met, available long-term care benefits may help pay for qualifying care expenses.
4
Preserve Remaining Value
Depending on the contract, unused value may remain available for retirement income, surrender value, or named beneficiaries.
Annuities are insurance products. Guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Benefits, charges, restrictions, taxation, and availability vary.
Is It Right for You?
Ideal for Those Who Want Greater Financial Confidence
An annuity with long-term care benefits may be appropriate for individuals who want to combine retirement-income planning with preparation for future care expenses.
Dependable Retirement Income
Create a potential income stream designed to support retirement expenses and long-term financial goals.
Preparation for Future Care
Gain access to contract benefits that may help pay for eligible long-term care services.
Greater Asset Protection
Help reduce the need to rely entirely on personal savings and retirement assets for qualifying care expenses.
Independence and Choice
Maintain more flexibility in how and where care may be received, subject to contract terms and eligibility.
Reduced Burden on Loved Ones
Help reduce potential financial and caregiving pressure on family members if future care is needed.
It is not only a plan for care. It is a plan for greater financial confidence.
You have worked hard for your future. Help protect it.
A coordinated annuity and long-term care strategy may help support retirement income, prepare for qualifying care expenses, preserve more financial flexibility, and reduce uncertainty for the people you care about.
Preserve Your Choices. Protect Your Dignity.
Schedule a no-obligation consultation and begin building a long-term care strategy designed around your retirement, independence, assets, and family.
Helping individuals and families protect their assets, preserve their lifestyle, and step into retirement with confidence and dignity.
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Resources
Long-Term Care Guide
Frequently Asked Questions