Long-Term Care Annuity
Combine lifetime income with care protection benefits. A smart way to prepare for retirement and potential care needs.
What is a Long-Term Care Annuity?
A long-term care annuity is an innovative hybrid product that addresses two major retirement concerns: income security and potential care costs. It functions as both a traditional annuity providing lifetime income and a long-term care insurance policy that multiplies your benefits if care is needed.
This 'win-win' solution ensures your money works for you whether you need care or not, eliminating the 'use it or lose it' concern of traditional LTC insurance.
How It Combines Lifetime Income and Care Protection
As an Annuity
- Guaranteed lifetime income payments
- Tax-deferred growth potential
- Death benefit for beneficiaries
- Protection from market volatility
As LTC Insurance
- 2-3x benefit multiplier for care costs
- Coverage for home care, assisted living, nursing homes
- Tax-free LTC benefits
- No 'use it or lose it' concern
Retirement Income & Annuity Calculator
Project your retirement savings and determine if an annuity could help fill any income gaps to maintain your desired lifestyle.
Frequently Asked Questions
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