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CCL3000-TQ - LifeStyle Solutions
CCL3000-TQ Select - LifeStyle Solutions Select Tax Qualified Long Term Care
LTC - Long Term Care
TQLTC - Tax Qualified Long Term Care
HHC - Home Health Care
HIP - Hospital Indemnity
STHHC - Short Term Home Health Care
LIFE - Whole Life and Modified Life
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LifeStyle Solutions Tax Qualified Long Term Care Insurance Policy
LifeStyle Solutions (Policy Series CCL3000-TQ)
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
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Home Health Care
The benefit amount is what you choose. You can also take advantage of these unique features:
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Wellness Program - A multidimensional wellness program to maximize well-being and postpone disability as long as possible.
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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…
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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 of the policy, exclusions and limitations, review the brochure and outline of coverage available from your agent/insurance producer. Back to top
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LifeStyle Solutions Select Tax Qualified Long Term Care Insurance Policy
LifeStyle Solutions Select (Policy Series CCL3000 Select)
LifeStyle Solutions Select Long Term Care Insurance plan is for those individuals with extended health conditions. This innovate product expands our underwriting guidelines and offers individuals who have previously been or who would otherwise be turned down for long term care insurance the opportunity to obtain coverage. In addition to a tax-qualified long term care insurance plan, LifeStyle Solutions Select also offers the same unique network of integrated Wellness, Homeworks and Care Planning Service Programs has LifeStyle Solution.
Not available in all states. For Description of the policy, exclusions and limitations, review the brochure and outline of coverage available from your agent/insurance producer. Back to top
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Long Term Care Insurance Policy
Clear Choice, Independent Choice (Policy Series LTC-01, LTC-02 & LTC-09)
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:
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Nursing Home
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Assisted Living Facility
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Adult Day Care Facility
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Hospice Facility
Plus, you can add the following optional riders at additional cost:
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Home Health Care Rider that includes benefits for respite care, emergency response systems and informal caregiver training.
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Lifetime Inflation Rider: Provides inflation protection by increasing your daily benefit by 5% compounded annually for the life of the Policy.
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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 of the policy, exclusions and limitations, review the brochure and outline of coverage available from your agent/insurance producer. Back to top
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Tax Qualified Long Term Care Policy
(Policy Series QLTC-5, TQLTC-97, TQLTC-01, TQLTC-02 & TQLTC-09)
Our Tax-Qualified Long Term Care insurance plan offers certain federal income tax advantages to the purchaser. If you have a qualified long term care policy, and you itemize deductions, you may be able to deduct part, or all, of the premium.
The plan 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 that provides inflation protection by increasing your daily benefit by 3% simple, 5% simple or 5% compounded annually for the life of the Policy.
- Non-Forfeiture Benefit Rider that offers a paid-up benefit period if your policy lapses due to nonpayment of premium after your policy's third anniversary.
For Description of the policy, exclusions and limitations, review the brochure and outline of coverage available from your agent/insurance producer. Back to top
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Long Term Care Insurance Policy
Comprehensive Long Term Care (Policy Form LTC-07-U)
Tax Qualified Long Term Care (Policy Form TQLTC-07-U)
Our Comprehensive Tax-Qualified & Comprehensive Traditional Long Term Care
Both policies pay expenses for long-term care services, up to the daily benefit amount you select. They provide up to the maximum benefit amount of your choice for services received in these settings:
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Nursing Home/Assisted Living Facility
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Home Health Care Benefit at 50% or 100% includes benefits for respite care, emergency response systems and informal caregiver training.
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Adult Day Care/Hospice Care
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Alternative Plan of Care
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Home Health Care Benefit of 50% or 100% of the Maximum Daily Benefit
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Respite Care
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Emergency Response System
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Informal Caregiver training
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Plus you can add one of the following Lifetime Inflation Protection Riders
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5% Compounded
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5% Simple
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3% Simple
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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.
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Spousal Waiver of Premium (Dual Waiver of Premium)
Not available in all states. For Description, review the brochure and outline of coverage available from your agent/insurance producer. Back to top
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Home Health Care Insurance
Clear Choice, Golden Advantage (Policy Series HHC-97, HHC-98, HHC-01 & HHC-09)
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 of the policy, exclusions and limitations, review the brochure and outline of coverage available from your agent/insurance producer. Back to top
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Home Health Care Insurance
Golden Advantage II, (Policy Series LBHC)
(Not Available in Texas)
Our Home Health Care plan provides limited benefit coverage that allows you to stay at home to receive your care.
Our coverage pays benefits for services from a: Licensed Registered Nurse
- Registered Nurse Aides
- Certified Home Health Aides
- Respiratory and Speech Therapists
- Licensed Practical and Vocational Nurses
- Companion from a Home Health Care Agency
- Adult Day Care in a Community Group Setting
For Description, review the brochure and outline of coverage available from your agent/insurance producer. Back to top
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Hospital Indemnity Coverage
(Policy series HIP-02)
(Not available in Texas)
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 of the policy, exclusions and limitations, review the brochure and outline of coverage available from your agent/insurance producer. Back to top
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Short Term Home Health Care
(Policy Series STHHC-02)
(Not available in Texas)
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 of the policy, exclusions and limitations, review the brochure and outline of coverage available from your agent/insurance producer. Back to top
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Whole Life and Modified Whole Life Insurance
Independent Life Series (Policy Series WL-08 & MBWL-08)
(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 may depend upon answers to the health questions on the application. Back to top
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Disclaimer: Not all products and features are available in all states. Click on your state to see what products are available. Back to top
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