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Long-Term Care Rider

A Long-Term Care Rider provides funds from your policy’s death benefit if you need extended medical care due to a chronic illness or disability. This money can help cover costs associated with long-term care, like nursing home stays or home health aides.

Using this rider reduces the death benefit available to your beneficiaries, but it offers flexibility to handle health-related expenses. It’s a way to have additional support in place for potential long-term care needs.