LifeStyle Solutions  Long Term Care Insurance
LifeStyle Solutions (Policy Series CCL3000-TQ)
Available from United Security Assurance
(Not available in Texas)

LifeStyle Solutions Long Term Care Insurance is exactly what you need when deciding how to achieve the best results for your retirement.  This is Tax Qualified Long Term Care Insurance with a revolutionary difference:  it’s the only long-term care insurance plan that comes with access to a complete program of retirement services – similar to the services you would enjoy in a continuing care retirement community.

Not only do you receive Long Term Care benefits such as:

• Nursing Home
• Assisted Living
• Adult Day Care
• Home Health Care

The benefit amount is what you choose.  You can also take advantage of these unique features:

• Wellness Program - A multidimensional wellness program to maximize well-being and postpone disability as long as possible.
• Home Works - Access to qualified service providers to repair and maintain you home, and provide a full range of personal services, including transportation, shopping, meal preparation, housekeeping, companionship and much more…
• Care Planning and Coordination - Professional care coordination within an integrated care delivery system should disability create the need for long-term care. This is not your typical Long Term Care Insurance.

Not available in all states.  For Description, review the brochure and outline of coverage available from your agent/insurance producer. Back to top

Long Term Care Insurance
Clear Choice, Independent Choice (Policy Series LTC-01 & LTC-02)
Form Series LTC-01-U & LTC-02-U available from United Security Assurance

As we get older, there are some things we just can't do ourselves anymore.  Our everyday needs can become cumbersome.  Some of us need assistance and that assistance can be expensive.  Our Long Term Care Insurance may be just the help you need to get you through some rough times.  Just knowing benefits will be there for the care you may need in the future, will help you maintain your piece of mind today.

The policy pays expenses for long-term care services, up to the daily benefit amount you select.  It provides up to the maximum benefit amount of your choice for services received in these settings: 

• Nursing Home
• Assisted Living Facility
• Adult Day Care Facility
• Hospice Facility

Plus, you can add the following optional riders at additional cost:

• Home Health Care Rider that includes benefits for respite care, emergency response systems and informal caregiver training.
• Lifetime Inflation Rider:  Provides inflation protection by increasing your daily benefit by 5% compounded annually for the life of the Policy.
• Non-Forfeiture Benefit Rider: Provides a paid-up benefit period if your policy lapses due to nonpayment of premium after your policy's third anniversary.

For Description, review the brochure and outline of coverage available from your agent/insurance producer.  Back to top

Home Health Care Insurance
Clear Choice, Golden Advantage (Policy series HHC-97, HHC-98, HHC-01)
Form Series HHC-97-U, HHC-98-U & HHC-01-U available from United Security Assurance
(Not available in Texas)
Our Home Health Care coverage allows you the benefit of staying home to receive your care.

Our coverage pays benefits for services from a:

• Licensed Practical Nurse
• Licensed Registered Nurse
• Licensed Vocational Nurse, Physical, Respiratory, Speech, or Occupational Therapists
• Certified Home Health Aide, Nurse's Aide, and Homemaker Services from a Licensed Home Health Care Agency.

For Description, review the brochure and outline of coverage available from your agent/insurance producer.  Back to top

Hospital Indemnity Coverage
(Policy Series  HIP-02) (Not available in Texas)
Form Series HIP-02 available from United Security Assurance

At last, a Plan that gives you a real choice-you choose the benefit amount you want. Benefits paid from the first day of Hospital Confinement for up to 365 days…..you select the daily benefit you want to receive.

We also offer at additional cost, benefit riders for nursing home care which include:
skilled care, intermediate care as well as custodial care and Home Care services covering all levels of home care provided by a home health care agency.

For both optional riders, you choose the amount and the benefit period, that fit your needs.

For Description, review the brochure and outline of coverage available from your agent/insurance producer. Back to top 

Short Term Home Health Care
(Policy Series STHHC-2) (Not available in Texas)
Form Series STHHC-2-U available from United Security Assurance

When you need an alternative to Nursing Home Care, our Short Term Home Health Care is the solution.

You receive short term home health care benefits in the comfort of your own home.  That is the  benefit for the professional care you need, right at home!

Our coverage pays benefits for services from a:

• Licensed Practical Nurse
• Licensed Registered Nurse
• Licensed Vocational Nurse, Physical, Respiratory, Speech, or Occupational Therapists
• Certified Home Health Aide, Nurse's Aide, and Homemaker Services from a Licensed Home Health Care Agency.
   

For Description, review the brochure and outline of coverage available from your agent/insurance producer.  Back to top

Whole Life and Modified Whole Life Insurance
Independent Life Series (Policy Series WL-08-U & MBWL-08-U)
Available from United Security Assurance
(Not Available in Texas)

Life insurance offers financial security for you and your family when you need it most.  It helps fill the gap left by your unexpected loss.  Coverage can be structured to fit your specific needs. 

Our Whole Life coverage offers a level death benefit from day one.  It builds cash and loan values you can borrow against in the future.

For those who do not qualify for our Whole Life coverage because of health conditions, we offer our Modified Benefit Whole Life Coverage.  The death benefit is modified for the first 2 years, with the full benefits paid in the third policy year. In some states the benefits are modified for the first 3 years with full benefits paid in the 4th policy year.

For both plans, there are no medical exams or blood tests required, and we offer the same rates for smokers and non-smokers.  Issuance of a policy will depend upon answers to the health questions on the application. Back to top