Pays up to 100% of the Maximum Daily Benefit for all levels of care, including: Home Care/Community Based Care Benefits: Unskilled Homemakers, Family Members, Licensed Skilled Care, Home Health Aides and Meals on Wheels.

Licensed Facility benefits include: Assisted Living Facilities, Nursing Facilities and Christian Science Facilities.

• 40-89 may apply
• $60-$300 Maximum Daily Benefit Options
• $75,000, $150,000, $250,000, $350,000, $500,000 or Unlimited Benefits
• First Day Coverage

• Tax Qualified/Non Tax Qualified
• 3 Year Rate Guarantee
• Bed Reservation up to 30 days
• Adult Day Care Facilities 80% of daily benefit
• Hospice Care 80% of daily benefit
• Respite Care 80% of daily benefit
• Pre-Existing conditions covered immediately
• No Prior hospitalization required
• 10% of Marital Discount
• Waiver of Premium
• Alternative Plan of Care
• Restoration of Benefits
• Guaranteed Renewable

• Nonforfeiture Premium Benefit Rider
• Lifetime Inflation Rider

Pays  up to 100% of the Maximum Daily Benefit for all levels of care, including: assistance with Instrumental Activities of Daily Living, assistance with Activities of Daily Living, and Skilled Care.

Community based benefits include: Adult Day Care Facilities, Hospice Care and Meals on Wheels.

Home Health Care benefits cover: Family Members, Private Caregivers, Home Health Aides, RN's and LPN's, and Home Health Agencies.

• 40-89 may apply
• $50-$350 Maximum Daily Benefit Options
• 1,2,3,4,5,6,10 Years or Unlimited Benefits
• 40-84 for NTQ

• Tax Qualified/Non Tax Qualified
• Bed Reservation up to 60 days
• Restoration of Benefits
• Alternative Plan of Care
• International Coverage
• Respite Care
• 5 Year Rate Guarantee
• Waiver of Premium as low as 30 days
• 20% Marital Discount
• Pre-Existing Conditions covered immediately

• 5% Compound Inflation
• 5% Simple Inflation
• Guaranteed Purchase Option
• Spousal Waiver of Premium
• Survivorship Benefit
• Shared Care Benefit
• Facility Cash Benefit
• 1st Day Coverage
• 1st Day of Waiver of Premium