Life Insurance with Long-Term Care

Enroll October 25-November 8

Unlock Peace of Mind

Long-term care is the support you need when you're facing a long-term health issue or the effects of aging. It's comprehensive, ongoing, and can often exceed the average American income.

Take advantage of this special enrollment opportunity to offset long-term care costs when you need it—and support your loved ones after you’re gone.

Check Your Rate

Join Wendy Boglioli as she helps break down the importance of LTC planning and healthy aging. A licensed specialist will also help explain the details of this Long-Term Care with Life insurance benefit, answer your questions, and help you decide if it should be part of your financial plan. Topics covered include:

  • How healthy aging, caregiving, and long-term care are related
  • The best time to plan for long-term care
  • The power of this benefit offer - why it's important
  • How long-term care impacts women vs. men

Watch the Benefits Introduction video on this page to learn more.

What is Life Insurance with Long-Term Care?

Learn more and talk with a live expert by joining a webinar.

Webinar 1
Oct 29 | 11:00 AM Central Time

Register Now

Webinar 2
Nov 5 | 2:00 PM Central Time

Register Now

What's special about this plan?

Guaranteed acceptance up to age 64, no health questions required—only available through your employer.

Eligible employees may extend coverage to their spouse/partner and children.

Lock in a lower rate. Your premium is always based on the age when your policy became effective.

Coverage is fully portable at the same cost and same benefits - no conversion required if you change jobs or retire.

Long-Term Care and Life Insurance coverage in one policy.

Convenient payment through payroll deduction.

Why does Long-Term Care Planning matter?

Long-Term Care services are usually not covered by your Health Insurance, Disability Insurance, or Medicare. 

LTC Insurance can save you from paying 100% out-of-pocket for future long-term care costs.

Average Monthly Cost of Care: Indiana
‍
Want more details? See LTC costs in your area here.
  • In-Home Care
  • $4,767
  • Assisted Living
  • $4,283
  • Nursing Home
  • $8,700
LTC costs are on the rise ... and retiree income might not be enough to keep up.  Projections show that LTC costs will more than double over the next 30 years.
But, the average income of persons over 65 is only $59,872. That math doesn't add up. Securing coverage now can help you offset these astronomical LTC costs.†
Check Your Rate

How does it work?

1. Access Both Life and Long-Term Care Benefits

For example, receive 4% per month, maximum 50 months with extension of benefits, of your life insurance amount for your LTC benefit*.

2. Make The Most of Your Life Insurance

Don’t need long-term care during your lifetime? The death benefit is still available to your beneficiaries*.

 * The death benefit is reduced to one-third at age 70 or on the 15th policy year, whichever is later.

Get up to 3x your original benefit amount in total coverage

Your rate is based on the death benefit coverage amount, but you may receive up to double the original death benefit in long-term care coverage.

Table showing examples of how different benefit amounts translate max benefit amounts when death benefit and long-term care benefits are combined

Who is eligible for this benefit?

  • Actively at work benefit eligible full-time employees, ages 18-75, working at least 24 hours per week.
  • Guaranteed Issue up to $150,000 for employees 18-64.
  • Two application questions for $150,001 up to $200,000 amounts for employees ages 18-64.
  • Five application questions for $200,001 up to $300,000 amounts for employees ages 18-64.
  • Most employees qualify for guaranteed issue—meaning no health questions asked for amounts up to guaranteed issue maximum during the enrollment. Guaranteed issue applies to eligible employees, ages 18-64. Employees over age 64 may enroll with limited health questions.
  • Two application questions for amount up to the greater of $4 per week or $5,000 for your spouse age 18-64.
  • Coverage available for spouses/domestic partners, children, and grandchildren.
  • Other family members such as parents, siblings, etc. are not eligible for coverage.

Application questions and number of questions vary by state.

HomeFAQs

Guaranteed Issue of this special coverage is available only during the enrollment period. Get started today to secure your Life Insurance with Long-Term Care policy.

Check Your Rate

Trustmark® and LifeEvents® are registered trademarks of Trustmark Insurance Company. Underwriting conditions may vary and determine eligibility for the offer of insurance. Benefits, definitions, exclusions and limitations, naming conventions and availability may vary by state. For a list of disclosures, exclusions and limitations that may apply, visit www.trustmarksolutions.com/disclosures/UL. Universal life insurance underwritten by Trustmark Insurance Company, Lake Forest, Illinois, in NY it is underwritten by Trustmark Life Insurance Company of New York. 1*

‍In NY, the LTC Benefit is the Convalescent Care Benefit.  The LTC Benefit is an acceleration of the death benefit and is not Long-Term Care Insurance (except in FL, LA and VA, where the LTC benefit is Long-Term Care Insurance.) It begins to pay after 90 days of confinement or services, and to qualify you must meet conditions of eligibility for benefits. The LTC benefits provided by this policy may not cover all of the policyholder’s LTC expenses. Pre-existing condition limitation may apply. Your policy will contain complete details. You should consult a financial advisor to determine if the long-term care benefits and the retirement benefits provided by this policy are right for you.

† Section References: LIMRA and Life Happens, 2017 Insurance Barometer Study. Windsor, CT.
Associated Press-NORC Center for Public Affairs Research. Long-Term Care in America: Expectations and Preferences for Care and Caregiving. Chicago, IL. 2016
Hayes, Tara O. and Kurtovic, Sarah. American Action Forum. The Ballooning Costs of Long-Term Care. 2020
LaPonsie, Maryalene. U.S.News. What Is a Good Monthly Retirement Income? 2023