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Welcome to Life Insurance Selling's 21st report on long-term care insurance (LTCI) products.

On pages 91-97, we present the characteristics of 10 LTCI policies and riders, listed alphabetically by company. We asked each company to provide information about its best-selling LTCI product or new product that they believe will soon become best-selling.

You can also find the entire survey on LIS's Web site. Visit www.lifeiiisuranceselling.com and click on the "Surveys" tab on the home page to access this LTCI survey, along with our past product and company listings. The surveys consist of companies that chose to participate and responded by the deadline.
LTCI SURVEY

Assurity Life Product Name Assurity Balance
Insurance Long-Term Care
Company
800-276-7619 States available Unavailable in: FL,
www. NY, Guam, PR
assurity.com Min. and max issue 40/84
 ages

 Range of benefits
 available for:

 Nursing Home Care 0, 30, 90, 180 days

 Home Care 0, 30, 90, 180 days

 Assisted Living 0, 30, 90, 180 days

 Adult Day Care 0, 30, 90, 180 days

 Age Limitations?/ Will go down to age
 Maximum Daily 18 if part of a
 Benefit? group /$300

 Inflation of Daily Compound Lifetime:
 Benefit 5%; Simple
 Lifetime: 5%

 Benefit Periods 2, 3, 4, 5, 6, 10
 years and
 lifetime

 Admission /benefit Unable to perform 2
 triggers of 6 ADLs

 Additional type of Adult day care,
 benefits provided Alternate plan-
 for base policy: informal care,
 Assisted living
 facility, Bed
 reservation, Home
 modification,
 Homemaker services,
 Hospice care, Joint
 waiver of premium,
 Respite care,
 Shared benefits,
 Step-Rated Premium

 Optional Riders Compound Benefit
 Increase, Simple
 Benefit Increase,
 Shortened Benefit
 Non-Forteiture, Full
 Return of Premium,
 Optional Policy
 Surrender, Facility
 Care-Only Indemnity
 Benefit, Restoration
 of Benefits and
 Share Benefit Amount
 Riders

 Average 20 working days
 application
 processing
 time

Genworth Life Product Name Privileged Choice
Insurance
Company States available Unavailable in: CA
888-436-9678
www. Min. and max 18/79
genworth.com issue ages

 Range of benefits
 available for:

 Nursing Home Care 30, 90, 180 days

 Home Care 0

 Assisted Living 30, 90, 180 days

 Adult Day Care 30, 90, 180 days

 Age Limitations? None / $12,000 monthly
 /Maximum Daily
 Benefit?

 Inflation of Daily Compound Lifetime:
 Benefit 3% & 5%; simple
 Lifetime: 5%

 Benefit Periods 24, 36, 48, 60, 72,
 96, 120 months &
 unlimited

 Admission Chronically ill
 /benefit- (expect to need
 triggers services for at
 least 90 days);
 Cognitive impaired;
 Un able to perform 2
 of 6 ADLs

 Additional type of Adult day care,
 benefits provided Alternate
 for base policy: plan/informal care,
 Assisted living
 facility Bed
 reservation, Durable
 medical equipment,
 Home modification,
 Homemaker services,
 Hospice care,
 Respite care,
 Survivorship rider,
 If purchasing a
 Shared Plan, joint
 waiver of premium is
 included. Shared
 plan also includes
 the couples discount
 in base price.

 Optional Riders Return of Premium
 (full & graded),
 7-Year Survivorship,
 Restoration of
 Benefits, Non-
 forfeiture

 Average N/A
 application
 processing
 time

LifeSecure Product Name LifeSecure Long Term
Insurance Care
Company
866-582-7701 States available Unavailable in: CO,
www.YourLife- CT, MA, ME, NH, NJ,
Secure.com NY, VT, VI, Guam, PR

 Min. and max 18/84
 issue ages

 Range of benefits
 available for:

 Nursing $75,000 to $1
 Home Care million, EP=90
 calendar days

 Home Care $75,000 to $1
 million, EP=90
 calendar days

 Assisted $75,000 to $1
 Living million, EP=90
 calendar days

 Adult Day Care $75,000to $1
 million, EP=90
 calendar days

 Age Ages 18-84 / Monthly
 Limitations?/ benefit only;
 Maximum Daily largest = $20,000
 Benefit?

 Inflation of Compound Lifetime:
 Daily Benefit 3& & 5%

 Benefit Periods Benefit Bank Amount:
 $75,000 to $1
 million; available
 monthly benefit is
 1%, 2% or 3% of the
 Benefit Bank

 Admission/ Chronically ill
 benefit (expect to need
 triggers services for at
 least 90 days), as
 determined by a
 licensed health
 care practitioner;
 Cognitive impaired;
 Unable to perform 2
 of 6 ADLs

 Additional Adult day care,
 type of Alternate
 benefits plan/informal care,
 provided Assisted living
 for base facility, Bed
 policy: reservation, Durable
 medical equipment,
 Home modification,
 Homemaker services,
 Hospice care,
 Respite care, Care
 by Family Members
 through our Flexible
 Benefit

 Optional Money-back Promise
 Riders option; Lapse
 Protection Benefit;
 3% or 5% Compound
 Inflation Rider

 Average 1-14 days
 application
 processing
 time

Lincoln National Product Name Lincoln
Life Insurance MoneyGuard[R]
Company, The Reserve
860-466-1000
www.LFG.COm States available Unavailable in: UT
 WA, VI, Guam, PR

 Min, and max 30/80
 issue ages

 Range of benefits
 available for:

 Nursing 90 days
 Home Care

 Home Care Waived deductible
 period

 Assisted Living 90 days

 Adult Day Care Waived deductible
 period

 Age Days that you
 Limitations?/ receive home health
 Maximum Daily care will count
 Benefit? towards your
 one-time 90-day
 deductible on nursing
 home and
 assisted living
 facilities / Max
 monthly benefit amt
 (MMBA) is equal to
 $20,833 ($685 a
 day): this amount
 will vary by age.
 sex. LTC benefited
 and face amount.

 Inflation Compound Lifetime:
 of Daily 2% CCBR, 5% EOBR;
 Benefit Simple Lifetime: 3%
 on CCBR & EOBR
 riders

 Benefit Periods Guaranteed LTC
 benefit period can
 be 2-7 years.
 Benefits can last
 longer if the MMBA
 amount is not
 completely used in a
 given month.

 Admission / benefit Chronically ill
 triggers (expect to need
 services for at
 least 90 days), as
 determined by
 physician; Cognitive
 impaired; Unable to
 perform 2 of 6 ADLs

 Additional type of Adult day care,
 benefits provided Alternate
 for base policy: plan/informal care,
 Assisted living
 facility, Bed
 reservation, Durable
 medical equipment,
 Home modification,
 Homemaker services,
 Hospice care,
 Respite care, The
 policy provides a
 Guaranteed Death
 Benefit that can be
 leveraged for monthly
 LTC expenses.
 If this leveraged
 amount (LTC pool) is
 exhaust ad, a
 Residual Death
 Benefit equal to 10%
 of the specified
 face amount will be
 paid to the
 beneficiary.

 Optional Riders Lifetime Return of
 Premium
 Rider--Guarantees
 that if the policy
 is surrendered, the
 initial premium will
 be returned (less
 loans and
 withdrawals and LTC
 payments), ROP is
 available on single
 and select level pay
 options.

 Average application As little as 8 days.
 processing time

MassMutual Product Name SignatureCare 500
Financial
Group States available Product is available
800-767-1000 in all states.
www.mass-
mutual.com Min. and max 18/84
 issue ages

 Range of benefits
 available for:

 Nursing Home Care 30, 60, 90, 180 days

 Home Care 30, 60, 90, 180 days

 Assisted Living 30, 60, 90, 180 days

 Adult Day Care 30, 60, 90, 180 days

 Age Limitations?/ 18-84 (age nearest
 Maximum Daily birthday) / $500
 Benefit?

 Inflation of Daily Compound Lifetime:
 Benefit 3% & 5%; Simple
 Lifetime: 5%

 Benefit Periods 2, 3, 4, 5, 6, 10
 years and lifetime

 Admission /benefit Chronically ill
 triggers (expect to need
 services for at
 least 90 days);
 Cognitive impaired;
 Unable to perform 2
 of 6 ADLs

 Additional type of Adult day care,
 benefits provided Alternate
 for base policy: plan/informal care,
 Assisted living
 facility, Bed
 reservation, Durable
 medical equipment,
 Home modification,
 Homemaker services,
 Hospice care,
 Respite care.

 Optional Riders HCBS Monthly Benefit
 Rider, Indemnity,
 Enhanced Elimination
 Period, HCBS Waiver
 of the Elimination
 Period, Covered
 Partner Waiver of
 Premium, Paid-Up
 Survivor, Share
 Care, Restoration of
 Benefit, Shortened
 Nonforfeiture

 Average application 25 days
 processing time

Metropolitan Product Name MetLife LifeStage
Life Advantage
Insurance
Company States available Unavailable in:
(MetLife) FL, VT
www.metlife.com Min. and max issue 18/84
 ages

 Range of benefits
 available for:

 Nursing Home Care 100 calendar days

 Home Care 100 calendar days

 Assisted Living 100 calendar days

 Adult Day Care 100 calendar days

 Age Limitations?/ GPO only available
 Maximum Daily ages 18/61 /Maximum
 Benefit? monthly payout is
 $15,000

 Inflation of Daily Compound Lifetime:
 Benefit 3% or 5%

 Benefit Periods LifeStage Advantage
 offers a maximum
 benefit of $1
 million

 Admission / benefit Chronically ill
 triggers (expect to need
 services for at
 least 90 days);
 Cognitive impaired;
 Un able to perform 2
 of 6 ADLs

 Additional type of Adult day care,
 benefits provided Alternate
 for base policy: plan/informal care,
 Assisted living
 facility, Bed
 reservation,
 Homemaker services,
 Hospice care, Return
 of Premium Upon
 Death up to age 70,
 Calendar Day
 Elimination Period,
 and a monthly
 payout. We do not
 cover informal care.

 Optional Riders Shared Care Rider
 and Nonforfeiture
 Rider

 Average application 25 days

 processing time

Mutual of Omaha Product Name Mutual Care Plus
www.Mutualof
Omaha.com States available Available in: CA

 Min. and max issue 18/79
 ages

 Range of benefits
 available for:

 Nursing Home Care $1,500-$15,000
 maximum monthly
 benefits:
 Elimination periods
 of 0, 30, 60,
 90,180, and 365 days

 Home Care $1,500-$15,000
 maximum monthly
 benefits:
 Elimination periods
 of 0, 30, 60,
 90,180, and 365 days

 Assisted Living $1,500-$15,000
 maximum monthly
 benefits:
 Elimination periods
 of 0, 30, 60,
 90,180, and 365 days

 Adult Day Care Treated as Home Care

 Age Limitations?/ Ages 18-79 / Monthly
 Maximum Daily Benefits:
 Benefit? $1,500-$15,000

 Inflation of Daily Compound Lifetime:
 Benefit 3%, 4%, and 5%;
 Simple Lifetime: 5%

 Benefit Periods 2, 3, 4, 5, 6, 8
 years and Lifetime

 Admission/benefit Chronically ill
 triggers (expect to need
 services for at
 least 90 days);
 Cognitive impaired;
 Un able to perform 2
 of 6 ADLs

 Additional type of Adult day care,
 benefits provided Alternate
 for base policy: plan/informal care,
 Assisted living
 facility, Bed
 reservation, Durable
 medical equipment,
 Home modification,
 Homemaker services,
 Hospice care,
 Respite care,
 Survivorship rider,
 35% of Health Health
 Care Cash Benefit

 Optional Riders Spouse Waiver of
 Premium, Spouse
 Shared Care, Spouse
 Security,
 Restoration of
 Benefits, Return of
 Premium at Death
 (less claims) if
 Death before age 65,
 Return of Premium at
 Death (less claims),
 Full Return of
 Premium, 5 Year Rate
 Guarantee

 Average application 20-30 days
 processing time

Nationwide Product Name Long Term Care Rider
Financial
800-321-6064 States available Unavailable in:
www.nationwide MN, MT, WA
.com/campaign/
nf_landing.htm Min. and max issue 21/80
 ages

 Range of benefits
 available for:

 Nursing Home Care 90 days

 Home Care 90 days

 Assisted Living 90 days

 Adult Day Care 90 days

 Age Limitations?/ N/A / Benefit paid
 Maximum Daily is the lesser of 2%
 Benefit? per month of the LTC
 Specified Amount and
 the HIPAA per diem
 amount, on a monthly
 basis. Total benefit
 chosen may be up to
 100% of Specified
 Amount

 Inflation of Daily N/A
 Benefit

 Benefit Periods Benefit paid is the
 lesser of 2% per
 month of the LTC
 Specified Amount and
 the HIPAA per diem
 amount, on a monthly
 basis. Total benefit
 chosen may be up to
 100% of Specified
 Amount

 Admission /benefit Cognitive impaired;
 triggers Unable to perform 2
 of 6 ADLs

 Additional type of Adult day care,
 benefits provided Assisted living
 for base policy: facility, Bed
 reservation, Hospice
 care, Home Health
 Care, Custodial Care

 Optional Riders N/A

 Average application 21 days
 processing time

State Life Product Name Asset-Care
Insurance
Company, The States available Unavailable in: NJ,
800-275-5101 NY, VI, Guam, PR
www.one-
america.com Min. and max issue 40/80
 ages

 Range of benefits
 available for:

 Nursing Home Care 60 days

 Home Care 30 days

 Assisted Living 60 days

 Adult Day Care 60 days

 Age Limitations?/ None / $1,000
 Maximum Daily
 Benefit?

 Inflation of Daily Compound Lifetime:
 Benefit 5%; Simple Lifetime:
 5%

 Benefit Periods 25, 33, 50 months
 and Lifetime

 Admission/ Chronically ill
 benefit triggers (expect to need
 services for at
 least 90 days), as
 determined by
 inability to perform
 2 of 6 ADLs;
 Cognitive impaired;
 Unable to perform 2
 of 6 ADLs

 Additional type of Adult day care,
 benefits provided Assisted living
 for base policy: facility, Bed
 reservation, Home
 modification,
 Homemaker services,
 Hospice care,
 Respite care

 Optional Riders Lifetime coverage
 option, Inflation
 Protection

 Average 30 days
 application
 processing time

United of Omaha Product Name United LTCi
(A Mutual Solutions
of Omaha
Company) States available Unavailable in: CA
www.mutualof
omaha.com Min, and max 18/79
 issue ages

 Range of benefits
 available for:

 Nursing $1,500-$15,000
 Home Care maximum monthly
 benefits:
 Elimination periods
 of 0, 30, 60,
 90,180, and 365 days

 Home Care $1,500-$15,000
 maximum monthly
 benefits:
 Elimination periods
 of 0, 30, 60,
 90,180, and 365 days

 Assisted $1,500-$15,000
 Living maximum monthly
 benefits:
 Elimination periods
 of 0, 30, 60, 90,
 180, and 365 days

 Adult Day Care Considered part of
 HHC

 Age 18-79--Monthly
 Limitations?/ benefits of
 Maximum $1,500-$15,000
 Daily
 Benefit?

 Inflation of Daily Compound Lifetime:
 Benefit 5%, 4.5%, 4%, 3.5%,
 3%; Simple
 Lifetime: 5%

 Benefit Periods 2, 3, 4, 5, 6, 8
 years and Lifetime

 Admission /benefit Chronically ill
 triggers (expect to need
 services for at
 least 90 days), as
 determined by
 licensed health care
 practitioner;
 Cognitive impaired;
 Unable to perform 2
 of 6 ADLs

 Additional type of Adult day
 benefits provided care, Alternate
 for base policy: plan/informal care,
 Assisted living
 facility, Bed
 reservation,
 Durable medical
 equipment, Home
 modification,
 Homemaker services,
 Hospice care,
 Respite care, 40% of
 HHC Cash Benefit, 5
 Year Rate Guarantee

 Optional Riders Cash Benefit
 increase to 50%,
 Waiver of EP for
 HHC; Return of
 Premium at death
 (less claims) if
 death before age 65,
 return of premium at
 death (less claims),
 Full Return of
 Premium, Extended
 Rate Guarantees to
 10 Years,
 Restoration of
 Benefits, Spousal
 Benefit

 Average 20-30 days
 application
 processing
 time
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Title Annotation:LTCI SURVEY
Publication:Life Insurance Selling
Date:Nov 1, 2010
Words:2172
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