• 1. It provides long-term care (at home or otherwise) benefits in excess of the premiums paid

    2. If you never use the long term care benefit or only a portion of it, it will distribute a death benefit to your beneficiaries

    3. The amount of benefits you have is guaranteed

    4. If you decide you no longer want the policy you may return it for a full refund of premium (less any distributions made)

    5. If extended long term care coverage is a concern, lifetime coverage can be purchased at premiums guaranteed never to increase