Part II: Why LTC needs to be included in a retirement plan - five strategies for communicating with prospects

1  Genworth Cost of Care Study, https://www.genworth.com/about-us/industry-expertise/cost-of-care.html, 2019.

Long-term care riders generally have an additional cost to them and have restrictions and limitations. Be sure to review the product specifications for details. It 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) 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).

Long-term care riders are paid out as an acceleration of the death benefit providing only one pool of money available to the insured. A separate long-term care policy and life insurance policy will have two pools of money available to the insured.

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

IU-3013176 (04/2020) (Exp. 09/2020)