Part I: A primer on the aging brain. What’s normal? What’s dementia? Why do you need to know?

1  Quadagno, Jill. Aging and the Lifecourse. New York: McGraw-Hill, 2014.

2  Alzheimer’s Association. Population Reference Bureau and other data sources, 2020.

The Long-Term Care Servicessm Rider (LTCSR) comes at an additional cost and does have restrictions and limitations. A client may qualify for the life insurance but not the rider and vice versa. The LTCSR is paid as an acceleration of the death benefit.

Life insurance products are issued by Equitable Life Insurance Company (NY, NY) or Equitable Financial Life Insurance Company of America (EFLOA), an Arizona stock corporation with its main administration office in Jersey City, NJ 07310 and are co-distributed by affiliates Equitable Network, LLC (Equitable Network Insurance Agency of California in CA; Equitable Network Insurance Agency of Utah in UT; Equitable Network of Puerto Rico, Inc. in PR), and Equitable Distributors, LLC. Variable products are co-distributed by Equitable Advisors, LLC (Member FINRA, SIPC) (Equitable Financial Advisors in MI and TN) and Equitable Distributors, LLC. When sold by New York based (i.e. domiciled) financial professionals life insurance is issued by Equitable Financial Life Insurance Company (NY, NY).

Life insurance contains exclusions, limitations, and terms for keeping it in force. For costs and complete details, contact a Financial Professional.

Equitable and its affiliates are not affiliated with Dr. Sandra Timmermann.

IU-3263030 (10/2020) (Exp. 10/2024)