Added protection for life’s uncertainties

Offer added protection for chronic illness expenses with ExtendCare%%SM%%

Preparing your clients for the unexpected goes beyond purchasing a policy that only offers death benefit protection. With our ExtendCare rider, they can advance their death benefit to manage the costs associated with a chronic illness.

ExtendCare highlights

When your clients need protection from an unexpected chronic illness, consider a solution that provides more than just a death benefit. Offer them the flexibility and freedom of ExtendCare.

Flexibility + choices

Desired benefit payout amounts tailored to your client’s needs.

Less burden on clients

No need to submit bills to receive monthly benefit or pay premiums / policy expenses while on claim.

Freedom from premiums

No premiums after three consecutive years of chronic illness.

Easy to sell

No separate licensing or continuing education is needed.

How ExtendCare works

Developing a chronic illness can take a physical, emotional, and financial toll on your clients. By adding ExtendCare, you can put their life insurance policy’s death benefit to work for them if they need it.

See how ExtendCare works with a life insurance policy to add extra protection.

Illustration showing how ExtendCare enhances a life insurance policy with chronic illness protection.

ExtendCare features

ExtendCare is designed for those who want protection from the financial impact of a chronic illness, without purchasing a separate long-term care policy. Payments can be used for home health care, assisted living costs and more. Download our producer guide for complete features and specs.

Download

A couple considers the benefits of adding chronic illness protection to their life insurance plan.

Identifying client opportunities

When you meet with clients, you want to offer protection strategies that meet their needs. Here are some client profiles that may be best served with ExtendCare.

A woman on vacation is feeling more confident now that she has added protection to her life insurance plan.

Pre-retiree protector

For clients nearing their planned retirement age and are looking for a cost-effective protection solution.

Age: 60+
Gender: Female
Product interest: Protective^® Lifetime Assurance UL
Face amount: Lower
Protection priority: Age guaranteed death benefit
Illustration solve: Premium, face amount
Coverage length: To age 121

A father has new confidence in knowing that he has chronic illness protection as his son starts college.

Career peak protector

For clients who have just reached peak earning years and may still have some larger expenses such as college tuition.

Age: 50-60
Gender: Male
Product interest: Protective^® Indexed Choice UL
Face amount: Average
Protection priority: Coverage that works within a budget
Illustration solve: No solve
Coverage length: Life expectancy

A successful business owner has renewed confidence in his estate and legacy planning strategy.

Estate protector

For business owner clients with strong cash flow -- interested in estate and legacy planning, less concerned about policy cost.

Age: 40-50
Gender: Male
Product interest: Protective^® Indexed Choice UL
Face amount: Higher
Protection priority: Buy-sell, long horizon
Illustration solve: Guarantee to age 100
Coverage length: To age 100 or higher

Solutions for chronic Illness

Watch this client-friendly video that provides chronic illness information, explains payment options, and details why ExtendCare might be a good option for them to consider.