How Indexed Annuity Care works:

• Pay a single premium for the contract. But the long-term care rider can be paid as a continuous pay, so the entire policy doesn’t have to be funded as a lump sum.
• Streamlined underwriting, without the need for medical records.
• Available to single annuitants or as a joint plan to cover spouses.
• Link your contract’s growth to several crediting strategies tied to the S&P 500.
• As the account value grows, so does the amount available for long-term care expenses.

Overview of benefits:

• You have the ability to link the annuity’s growth to four separate indexing strategies, including point-to-point and monthly average or a fixed account.
• It provides the tax benefits of the Pension Protection Act, including income tax-free withdrawals for qualifying LTC expenses. Also allows for a 1035 tax-free exchange.
• Access to leveraged long-term care benefits that exceed the policy’s value.
• Optional extended or lifetime benefits with guaranteed premiums for qualifying LTC expenses.

Optional Continuation of Benefits Rider