Long-Term Care with Life Insurance

Enroll May 15 - June 15

Unlock Peace of Mind

Long-term care is the support you need when you're facing a long-term health issue or the effects of aging. It's comprehensive, ongoing, and can often exceed the average American income.

Take advantage of this special enrollment opportunity to offset long-term care costs when you need it—and support your loved ones after you’re gone.

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What is Long-Term Care with Life Insurance?

This program is a Universal Life Insurance Policy with Long-Term Care (LTC) Benefits. It provides dual protection for the cost of LTC and financial support for your beneficiaries after you are gone.

Webinar 1
May 20 | 3:00 PM Eastern Time

Join us to learn about:

  • How healthy aging, caregiving, and long-term care are related
  • The best time to plan for long-term care
  • The power of this benefit offer - why it's important
Register Now

Webinar 2
June10 | 4:00 PM Eastern Time

Join us to learn about:

  • How healthy aging, caregiving, and long-term care are related
  • The best time to plan for long-term care
  • The power of this benefit offer - why it's important
Register Now

What's special about this plan?

Guaranteed acceptance up to age 64, no health questions required—only available through your employer.

Eligible employees may extend coverage to their spouse/partner and children.

Lock in a lower rate. Your premium is always based on the age when your policy became effective.

Coverage is fully portable at the same cost and same benefits - no conversion required if you change jobs or retire.

Long-Term Care and Life Insurance coverage in one policy.

Convenient payment through payroll deduction.

Why does Long-Term Care Planning matter?

Long-Term Care services are usually not covered by your Health Insurance, Disability Insurance, or Medicare. 

LTC Insurance can save you from paying 100% out-of-pocket for future long-term care costs.

Average Monthly Cost of Care: Massachusetts
‍
Want more details? See LTC costs in your area here.
  • In-Home Care
  • $5,911
  • Assisted Living
  • $6,500
  • Nursing Home
  • $13,535
LTC costs are on the rise ... and retiree income might not be enough to keep up.  Projections show that LTC costs will more than double over the next 30 years.
But, the average income of persons over 65 is only $59,872. That math doesn't add up. Securing coverage now can help you offset these astronomical LTC costs.†
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How does it work?

1. Access Both Life and Long-Term Care Benefits

For example, receive 4% per month, maximum 50 months with extension of benefits, of your life insurance amount for your LTC benefit*.

2. Make The Most of Your Life Insurance

Don’t need long-term care during your lifetime? The death benefit is still available to your beneficiaries*.

 * The death benefit is reduced to one-third at age 70 or on the 15th policy year, whichever is later.

Get up to 3x your original benefit amount in total coverage

Your rate is based on the death benefit coverage amount, but you may receive up to double the original death benefit in long-term care coverage.

Table showing examples of how different benefit amounts translate max benefit amounts when death benefit and long-term care benefits are combined

Who is eligible for this benefit?

  • Actively at work, full time (30 hours per week) employed at least 90 days.
  • Guaranteed Issue up to $125,000 for employees ages 18 to 64
  • Two application questions for $125,001 up to $150,000 amounts for employees ages 18 to 64
  • Five application questions for $150,001 up to $300,000 amounts for employees ages 18 to 64
  • Most employees qualify for the guaranteed issue – meaning no health questions are asked for amounts up to the guaranteed issue maximum during this special enrollment period. Guaranteed issue applies to eligible employees, ages 18-64. Employees over age of 64 may enroll with limited health questions.
  • Coverage is available for Children and Grandchildren, Spouses and Domestic Partners
  • Two application questions for amount up to the greater of $4 per week or $10,000 for your spouse age 18 to 64.
  • Other family members such as parents, siblings, etc. are not eligible for coverage.

Application questions and number of questions vary by state.

HomeFAQs

Guaranteed Issue of this special coverage is available only during the enrollment period. Get started today to secure your Long-Term Care and Life Insurance policy.

Check Your Rate

Trustmark® and LifeEvents® are registered trademarks of Trustmark Insurance Company. Underwriting conditions may vary and determine eligibility for the offer of insurance. Benefits, definitions, exclusions and limitations, naming conventions and availability may vary by state. For a list of disclosures, exclusions and limitations that may apply, visit www.trustmarksolutions.com/disclosures/UL. Universal life insurance underwritten by Trustmark Insurance Company, Lake Forest, Illinois, in NY it is underwritten by Trustmark Life Insurance Company of New York. 1*

‍In NY, the LTC Benefit is the Convalescent Care Benefit.  The LTC Benefit is an acceleration of the death benefit and is not Long-Term Care Insurance (except in FL, LA and VA, where the LTC benefit is Long-Term Care Insurance.) It begins to pay after 90 days of confinement or services, and to qualify you must meet conditions of eligibility for benefits. The LTC benefits provided by this policy may not cover all of the policyholder’s LTC expenses. Pre-existing condition limitation may apply. Your policy will contain complete details. You should consult a financial advisor to determine if the long-term care benefits and the retirement benefits provided by this policy are right for you.

† Section References: LIMRA and Life Happens, 2017 Insurance Barometer Study. Windsor, CT.
Associated Press-NORC Center for Public Affairs Research. Long-Term Care in America: Expectations and Preferences for Care and Caregiving. Chicago, IL. 2016
Hayes, Tara O. and Kurtovic, Sarah. American Action Forum. The Ballooning Costs of Long-Term Care. 2020
LaPonsie, Maryalene. U.S.News. What Is a Good Monthly Retirement Income? 2023