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Annuity Care®

Annuity Care is a single-premium deferred annuity with a higher credited rate of interest for qualifying long-term care expenses.

Asset-Based LTC

A better way to prepare for long-term care expenses

Can be purchased for a single person or two people with benefits available for both

Premiums can never increase and your benefits cannot change

Because it is built on life insurance, your policy’s death benefit goes to your beneficiaries if you don’t use it for long-term care

Long-term care protection becomes available when you cannot perform two of the following activities of daily living:  bathing, dressing, eating, continence, toileting, transferring or if you have cognitive impairment (such as Alzheimer’s disease)





Designed to help you protect your assets by using the safety of whole life insurance. With your one-time premium, you receive a guaranteed amount of life insurance coverage, all of which can be used for qualifying long-term care benefits.


Savings Account

Retirement Plan Funds


Provides Long-term care benefits in excess of the single premium you pay

If you never use the long-term care or only a portion of it, it will distribute a death benefit to your beneficiaries

The amount of benefits you have is guaranteed

If you decide you no longer want your policy, return it to receive a full return of your single premium (less any prior distributions taken)

If extended long-term care is a concern, lifetime coverage can be purchased at premiums guaranteed never to increase

Available Options & Features

Cash Value
Death Benefit
LTC Benefit
LTC Benefit + Optional Lifetime LTC Rider