Any Discount States Not Payment
Carrier Product/Rider Accelerated Access American General Solution Issue Ages Discount Applied at Claim States Not approved Products Tax Status Payment Method Elimination Period Any prevention of lapse while on claim Survivorship International Coverage Death Benefit Reduction 101 (g) Indemnity 90 Days Yes No No Dollar for Dollar Indemnity 90 Days Yes No Yes Dollar for Dollar 18-80 No CA, CT, NY AG Secure Lifetime GUL II & Elite Index II AXA LTC Services Rider 20-75 No FL, MN, WA UL, IUL 7702 (b) Genworth Total Living Coverage 18-79 No PA Stand Alone Asset Based LTC Product 7702 (b) Reimburseme 0 home care, 90 N/A, single nt days for facility premium only No Up to 50% monthly max, facility care only. Dollar for Dollar Genworth Accelerated DB Rider for LTC IUL Up to Age 65 No CA, FL, NY IUL Only 7702 (b) None for home All expenses in Reimburseme care, 90 days for the policy stop nt facility when on claim No Yes Dollar for Dollar 7702 (b) Reimburseme nt 100 Days Only if in a nursing homesee detailed Page No No Dollar for Dollar Zero Yes, if single premium. If flex pay, then premiums must continue to be paid No Yes, limited Dollar for Dollar No Yes, limited Dollar for Dollar No Yes Dollar for Dollar John Hancock Long Term Care Rider Lincoln Financial Lincoln MoneyGuard Reserve Plus Lincoln Financial MoneyGuard II 20-75 35-80 40-79 LifeEnhance 20-80 (limits Lincoln Financial Accelerated Benefit details) Rider No Approved in all states. 2014 Almost all pending product-see approval in rider for some states, details see product detail page. Stand Alone Based LTC Product Yes, but only on lump sum 7702 (b) Reimburseme nt No CA,FL, HI, NJ, VI-use MGR Plus in these states. Stand Alone Asset Based LTC Product 7702 (b) Reimburseme nt Zero No, If claim occurs while in premium paying period (flex pay), those premiums must be paid No (payment elected as lump sums do) CA, MS no terminal illness, not filed in NY GUL, IUL 101 (g) Indemnity None Yes MetLife Minnesota Life Enhanced Care Benefit Rider Long Term Care Agreement Accelerated Death Mutual of Omaha Benefit for Chronic Illness Nationwide Long Term Care Rider 18-70 Yes CA,FL, IN, LA, MA, OH, WA Whole Life 101 (g) Indemnity 90 Days No, client must pay premiums on residual death benefit No Yes Reduce DB with Finance Charges No No Dollar for Dollar 20-80 No NY IUL, GIUL 7702 (b) Indemnity 90 Days No, rider charges waived. See product/rider detail page. 18-85 Yes CA, CT, NY GUL, GUL Plus and Accum UL 101 (g) Indemnity 90 Days No No No Reduce DB with Finance Charges No MT, PR GUL, IUL, Accum UL, Single Premium UL 7702 (b) Indemnity 90 Days Yes No Yes Dollar for Dollar Yes CA-CT only has 1 product available, state variations of rider apply IUL, UL & SIUL 101 (g) Indemnity 90 Day (None for severe cognitive) Yes Yes Yes Reduce DB with Finance Charges Accum UL and IUL 101 (g) Indemnity 90 Days No No Yes Dollar for Dollar 21-80 Chronic Illness Accelerated Benefit Up to age 80 Rider (CIABR) / (Rapid North American Accelerated Death Builder To Benefit Age 75) Endorsement (ABE) Principal Chronic Illness Death Benefit Advance Rider (CIDBAR) 20-75 Yes CA, CT, FL, KY, MD, MA, MN, NJ, NY, OH, VT, WA Protective Chronic Illness Rider 20-80 No Current CA, CT, FL, ND, Assumption NJ UL 101 (g) Indemnity 3 or 12 months Yes No Yes Dollar for Dollar Protective ExtendCare 20-80 No CA, CT, FL, NJ GUL and IUL 101 (g) Indemnity 3 or 12 months Yes No Yes Dollar for Dollar Prudential Benefit Access Rider (BAR)-cannot combine with Living Needs Benefits Rider 20-80 No CT, MD, MS, NY, WA and Guam GUL 101 (g) Indemnity Zero Yes No Yes Dollar for Dollar Transamerica Long Term Care Rider 18-80 No FL, GU, NY, PR & VI GUL, IUL 7702 (b) Indemnity 90 Days Yes No No Dollar for Dollar Yes CT, IL, KS, VT, WA, MA, NY, PR, VI Term 101 (g) (Critical 102104) Indemnity See details No No Yes Dollar for Dollar Transamerica Trans LB (Term with Chronic Varies LB 18Critical & Terminal 80 Illness)
© Copyright 2024