Hybrid / Linked-Benefit Life or Annuity with LTC Products
Linked benefit products (often called “Hybrids”) can be an attractive alternative to traditional LTCi — especially for clients with available funds and/or those with a strong preference towards self-insuring. Our portfolio includes hybrid products that combine Long-Term Care coverage with either life insurance coverage or an annuity.
Mutual of Omaha Affiliates
Income Advantage IUL
View National Brochure →
View Highlight Sheet →
View Product Guide →
LTC Rider Overview Video → (Length: 9:36)
LTC Rider Flyer →
State Availability →

- Ideal for individuals looking to accumulate cash to supplement a retirement fund, create an education fund or prepare for financial emergencies
- Issue Ages: 0 – 85 (age last birthday)
- Face Amounts: $100,000 and up
- Underwriting Classes:
- Preferred Plus (nontobacco)
- Preferred (nontobacco, tobacco)
- Standard Plus (nontobacco)
- Standard (nontobacco, tobacco)
- Table Rates: Table 1 (A) to 16 (P)
- Surrender Charges: First 14 years
- Monthly Policy Fees:
- Current = $5 (Guaranteed = $10)
- Monthly charge per $1,000 of Specified Amount
- Cost of Insurance for the current month
- Cost of riders for the current month
*Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.
Mutual of Omaha Affiliates
Life Protection Advantage IUL
View National Brochure →
View Highlight Sheet →
View Product Guide →
LTC Rider Overview Video → (Length: 9:36)
LTC Rider Flyer →
State Availability →

- Ideal for Individuals with a long-term death benefit need such as income replacement, wealth transfer or estate planning
- Issue Ages: 0 – 85 (age last birthday)
- Face Amounts: $100,000 and up
- Underwriting Classes:
- Preferred Plus (nontobacco)
- Preferred (nontobacco, tobacco)
- Standard Plus (nontobacco)
- Standard (nontobacco, tobacco)
- Table Rates: Table 1 (A) to 16 (P)
- Surrender Charges: First 14 years
- Monthly Policy Fees:
- Current = $5 (Guaranteed = $10)
- Monthly charge per $1,000 of Specified Amount
- Cost of Insurance for the current month
- Cost of riders for the current month
*Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.
Nationwide
Nationwide CareMatters II
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View Highlight Sheet →
State Availability →

- Issue Ages: 30 – 75 (age last birthday)
- Underwriting Classes:
- Nontobacco Single
- Tobacco Single
- Nontobacco Couple
- Tobacco Couple
- Specified Amount: $60,000 – $500,000
- Residual Death Benefit: 20% of Specified Amount
- LTC Benefits:
- LTC Benefit Periods: 2, 3, 4, 5, 6 or 7 years
(First 2 years of each benefit period are an acceleration of the Specified Amount) - LTC Elimination Period: 90-Calendar Days
- LTC Benefit Periods: 2, 3, 4, 5, 6 or 7 years
*Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.
OneAmerica / State Life
Asset Care
View National Brochure →
‘How Asset Care Works’ Brochure →
View Asset Care Guide →
View Product Comparison: Asset Care 2024 vs 2019 →
State Availability →

- Issue Ages: Single and joint 35 – 80
Maximum 25-year age difference between unrated joint insureds - Monthly Benefit Options: $1,500 – $15,000
- Benefit Period Options: 2, 3, 4, 5, or 8 years
- Elimination Period Options: 30, 90, or 180 (1=7)
- Built-In 5-year Rate Guarantee
- Premium Payment Options: Lifetime OR 10-Pay
- Inflation Options:
- – 1% Compound
- – 2% Compound
- – 3% Compound
- – 5% Compound
- – No Inflation
- – Flexible Increase Benefit
- Couples Discounts: 20% Both; 5% One Insured
*Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.
OneAmerica / State Life
Annuity Care
View National Brochure →
View ‘Built-In Continuation of Benefits’ brochure →
State Availability →

- Issue Ages: Single and joint 35 – 80
Maximum 25-year age difference between unrated joint insureds - Monthly Benefit Options: $1,500 – $15,000
- Benefit Period Options: 2, 3, 4, 5, or 8 years
- Elimination Period Options: 30, 90, or 180 (1=7)
- Built-In 5-year Rate Guarantee
- Premium Payment Options: Lifetime OR 10-Pay
- Inflation Options:
- – 1% Compound
- – 2% Compound
- – 3% Compound
- – 5% Compound
- – No Inflation
- – Flexible Increase Benefit
- Couples Discounts: 20% Both; 5% One Insured
*Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.
Thrivent
CareForward
View National Brochure →
View Product Guide →
View Underwriting Guide →
State Availability →

- Issue Ages: 18 – 75
- Face Amount at Issue: $50,000 – $500,000
- Benefit Period Options: 2, 3, 4, 5, or 8 years
- Elimination Period Options: 30, 90, or 180 (1=7)
- Built-In 5-year Rate Guarantee
- Premium Payment Options: Lifetime OR 10-Pay
- Inflation Options:
- – 1% Compound
- – 2% Compound
- – 3% Compound
- – 5% Compound
- – No Inflation
- – Flexible Increase Benefit
- Couples Discounts: 20% Both; 5% One Insured
*Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.
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