
Traditional Long-Term Care Insurance
Long-Term Care insurance is health-underwritten coverage that provides benefits to pay care expenses when insureds can no longer care for themselves. Health underwriting is very thorough, often requiring a health interview, medical records, Rx check, etc. Despite eligibility challenges, LTCi carriers take on great risk, as the policies are specifically built to address the needs of aging individuals. LTCi gives clients CHOICE and CONTROL in regards to the care they receive.
Mutual of Omaha
★ MutualCare® Custom & Secure Solution
View National Custom Solution Brochure →
View National Secure Solution Brochure →
View MutualCare® Solution Underwriting Guide →
View MutualCare® Solutions Product Guide →
Available in all 50 states

- Issue Ages: 30 – 79
- Monthly Benefits from $1,500 to $15,000
- Initial Maximum Policy Limit of $50,000 to $500,000
- 0, 30, 60, 90, 180 or 365 Calendar Day Elimination Period
- Built-in, first-day Cash Benefit (at 25% of the HHC Benefit)
- Compound Inflation Options from 1% to 5% (in .25% increments with a built-in, Guaranteed Buy-Up Option)
- Inflation choices of Lifetime, 20 Years, 15 Years or 10 Years
- Option for 200% coverage for Professional HHC
- Many other Built-In and Optional Benefits
- Industry-leading software illustration program
MutualCare Custom Solution gives you the benefit power and premium flexibility needed to make it a must for any agent’s LTCi portfolio.
*Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.
Thrivent
Thrivent Long-Term Care (2016)
View National Brochure →
View Underwriting Guide →
Available in all states, except New York

- Issue Ages: 18 – 79
- 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.
National Guardian Life (NGL)
EssentialLTC
View National Brochure →
View EssentialLTC Premier Underwriting Guide →
State Availability →

- Issue Ages 40 – 79 (Age at Nearest Birthday)
- Daily Benefit Amount: $50 to $300 ($10 increments)
- Elimination Periods: 30, 90, 180 service days
- Benefit Period: 2 year, 3 year (Benefit Extension Riders are available on 3 year option, resulting in 4 year, 5 year, 6 year or Lifetime)
- Limited Pay Options: Single Pay, 10 Pay, Lifetime Pay
- Limited Return of Premium (Less Claims)
- Inflation Protection: 3% or 5% Compound
- Reverse Combo (reduce the risk of “use it or lose it”)
- Competitive Pricing[/read]
*Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.
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