• Issue Ages: 45 – 89
• Facility Daily Benefits from $50 to $400
• Benefit Period options: 90, 180, 270 or 360 Days
• 0, 20, 60, 90 Day Facility Elimination Period
• Lifetime Maximum Benefit Period: 2x Benefit Period
• Built-In Fast-50™ , a 1st-day Cash Benefit for paying a spouse, family or friends for their help.
• Built-In $300/Year Prescription Drug Benefit
• Built-In Restoration of Benefits
• Optional Home Health Care Benefit
  • – HHC Daily Benefits from $50 to $300
  • -0, 20, 60, 90 Day HHC Elimination Periods
  • -90, 180, 270 or 360 Day Benefit Period options
  • HHC Lifetime Maximum Benefit Period: 2x Benefit Period
• Optional 5% Simple Inflation Benefit
• Optional Hospital Indemnity Benefit
  • – HI Daily Benefits from $50 to $300
  • – 3, 6 or 20 Day HI Benefit Period
  • – HI Lifetime Maximum Benefit Period: 180 Days

*Availability & Benefits May Vary by State.  For Agent Use Only — See Carrier Literature for Full Details.

• Issue Ages of 50 – 89
• Recovery Care Nursing Facility/Assisted Living Benefit:
  • Up to $300 Daily Maximum
  • Covered Days: 90, 180, 270 or 360 (Lifetime Maximum = Covered Days X 2)
  • Waiting Period: 0, 20, or 100 days
• Recovery Care Hospital Indemnity Benefit:
  • Up to $400 Daily Maximum (for each day of confinement)
  • 20 days per period of care
  • Lifetime Maximum: 365 days
• Optional Home Care rider:
  • Up to $1,200 Weekly Maximum
  • Choice of covered weeks: 13, 26, or 52 (Lifetime Maximum = Covered Weeks X 2)
• Simplified Underwriting:
  • Yes/No Application
  • No phone interview
  • Prescription Drug check

*Availability & Benefits May Vary by State.  For Agent Use Only — See Carrier Literature for Full Details.

• Issue Ages: 18 – 85
• Daily Nursing Facility Benefits $30 to $300
• Benefit Period Options: 90, 180, 270 or 360 Days (Lifetime Maximum = Covered Days X 2)
• Elimination Period Options: 0 or 20 Days
• 10% Spouse Discount for qualified applicants
• Optional Riders Available:
  • – Home Health Care Rider
  • – Cancer First Occurrence Benefit Rider
• Restoration of Benefits: Both the Facility Care and Home Healthcare benefits reset after recovery and care is not needed for at least 180 days

*Availability & Benefits May Vary by State.  For Agent Use Only — See Carrier Literature for Full Details.

• Issue Ages: 18 – 89
• Facility Care and Home Healthcare Benefits, funded separately so using one won’t impact the other
• Simple Plan Design: Three Basic Options:
  • Choice 100: $100 Daily Maximum
  • Choice 200: $200 Daily Maximum
  • Choice 300: $300 Daily Maximum
• Benefit Period Options: 180 or 360 Days (Lifetime Maximum = Covered Days X 2)
• Elimination Period Options: 0 or 20 Days
• Optional Riders Available:
  • – Inflation Protection Rider (5% Simple)
  • – Home Care Booster Rider: Doubles the amount of the Home Healthcare benefit
  • – NOTE: If a rider is selected it must follow the base plan selection. I.e. Choice 100 base policy must be paired with a Choice 100 rider
• Care Transition benefit: Up to 10 days of immediate Home Healthcare assistance provided by a family member or friend until professional assistance is available
• Restoration of Benefits: Both the Facility Care and Home Healthcare benefits reset once each per policy lifetime after recovery and care is not needed for at least 180 days
• Indemnity Benefits paid to insured and can be used however they choose
• 15% Spouse Discount if both apply and are issued identical policies
• No network requirements; client can choose Home Care providers and facilities

*Availability & Benefits May Vary by State.  For Agent Use Only — See Carrier Literature for Full Details.

• Issue Ages of 40 – 84
• Facility Daily Benefits from $50-$300
• Facility Benefit Period Options: 30, 45, 60, 90, 180 or 360 Days
• 0 or 20 Day Facility Elimination Period Options
• Optional HHC Rider with Week Benefits from $50 to $1,400 per week, with 0 or 20 Day HHC Elimination Period Options
• 5% Simple or Compound Inflation Rider Options
• 10% Spousal Discount when both spouses apply
• $25 Annual Policy Fee
• Streamlined Underwriting:
  • Yes/No Application
  • Build Chart
  • Prescription Drug history check (all applicants)
  • Personal History Interview (all applicants 75+, only for cause for applicants under 75)
  • APS only required for cause, at applicant’s expense

*Availability & Benefits May Vary by State.  For Agent Use Only — See Carrier Literature for Full Details.

• Issue Ages: 40 – 89
• HHC Daily Benefits from $50 to $300
• 0, 20, 60, 90 Day HHC Elimination Periods
• 90, 180, 270 or 360 Day Benefit Period options
• HHC Lifetime Maximum Benefit Period: 2x Benefit Period
• Built-In Restoration of Benefits
• Optional Facility Care Benefit
  • – Facility Daily Benefits from $50 to $500
  • – Benefit Period options: 90, 180, 270 or 360 Days
  • – 0, 20, 60, 90 Day Facility Elimination Period
  • – Lifetime Maximum Benefit Period: 2x Benefit Period
• Optional 5% Simple Inflation Benefit
• Optional Adult Day Care Benefit
• Optional Return of Premium Benefit
• Multiple Discounts to save money
  • – 7% Discount (2-Apply / 1-Approved)
  • – 14% Discount (2 Apply / 2-Approved)
  • – 5% Multi-Policy Discount (Med Supp only)

*Availability & Benefits May Vary by State.  For Agent Use Only — See Carrier Literature for Full Details.