When your clients purchase an Income Advantage or Life Protection Advantage Indexed Universal Life insurance (IUL) policy, they have two options that allow them to take all or a portion of their death benefit early if they become chronically ill:
- A Long-Term Care Rider
OR - A Chronic Illness Rider
United of Omaha is the only company that offers you and your clients this flexibility. So, you may wonder which one is best for your client. Like many things in life, it depends on the situation.
The information provided in the Chronic Illness Rider or LTC Rider: Which is Right for Your Client? flyer will help you understand how each rider works, and arm you with the information you need to help your clients choose the option that best suits their needs. It will also provide you with case studies showing the costs and benefits of each of the two riders.