Our Income Advantage IUL and Life Protection Advantage IUL policies offer a Long-Term Care Rider in addition to an Accelerated Death Benefit for Chronic Illness Rider. In some cases, it may benefit your clients to choose both riders.
Although both riders can’t be added to the same policy, your clients have the option to split a larger policy into two. And, only one application is needed – you just need to include instructions on the application regarding the client’s intent to split the policy.
Take a look at the sales idea flyer to see a case study that shows how this would work, and to learn about the flexibility this may provide your clients.
To learn even more about the LTC Rider, go to www.MutualofOmaha.com/ltc-rider.