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If you ever need Long-Term Care......

 ......it's not just your life that's affected.

Long Term Care affects all of the people you love.

As people live longer and healthcare expenses continue to rise, the need for long-term care planning becomes more of a “when” than an “if” situation. Long-term care events happen to a family, not just a person.  By having a long-term care strategy in place earlier, you and your loved ones will be better prepared for the difficult financial, emotional, physical, and administrative decisions you may need to make.

For many, a hybrid insurance policy, which combines life and long-term care insurance, continues to be an attractive option. These policies help protect a retirement nest egg from being depleted by expenses incurred when retirees can no longer care for themselves. And, if the insurance isn't needed, there is a death benefit that can be passed on to their heirs.

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Guarantees are based on the claims paying ability of the issuing company.