Policy Options and Riders

Choosing the right riders and policy options allows you to customize your long-term care insurance to meet your specific needs and circumstances.

From increasing your daily benefits with an inflation protection rider to adding nonforfeiture benefits that ensure some level of benefit if your policy lapses, these options provide added flexibility and security.

Consider which enhancements align with your long-term care goals to tailor your policy for optimal protection and peace of mind.
Select Policy Options
Select none, one, or more long-term care insurance policy add-on options below.

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Users selected this option 1318 times

Not sure which option is right for you? You can explore all available choices and receive guidance from our experts at a different time.

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Inflation Rider

Users selected this option 3198 times

Helps protect your policy’s value against inflation by adjusting your coverage over time, ensuring that your benefits keep up with rising costs.
Return of Premium

Users selected this option 1993 times

Returns paid out premiums to beneficiaries when a policyholder passes away.
Shared Spousal Plans

Users selected this option 2142 times

Allow both you and your spouse to share benefits under a single policy, maximizing coverage while minimizing costs.

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Spousal Benefits

Users selected this option 2601 times

Add coverage specifically for your spouse, ensuring that both of you are fully protected with personalized care benefits.
Cash Benefits

Users selected this option 2004 times

Receive cash directly for your care needs, giving you the flexibility to decide how best to use the funds based on your situation.
Select Policy Options
Select one or more long-term care insurance policy types below.
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Application Overview Help & Support

The personal information you provide will only be used to calculate your quotes accurately, to check if you qualify for any discounts, and to contact you for additional information, if necessary, and send you your quotes. A licensed professional may contact you about your request if more information is required. Your information remains private and is not sold to third parties.
*Not all products and carriers are available in all states.

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