Full No Lapse Guarantee In a UL / LTC Linked Benefit Product

Many long term care insurance shoppers won’t buy because they’re concerned that if they don’t “use it” they will “lose it”. In addition, the potential for rate increases scares off some prospective buyers.

The solution is a fully guaranteed universal life product with a long term care benefit rider that allows the client to access a portion of the death benefit to pay long  term care expenses!

Read more about this concept:

• Use I, Don’t Lose It Flyer
• Producer Guide
• Consumer Guide
• Single Pay Comparison
• Competitive Comparison

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