Long-Term Care Servicessm Rider

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Equitable is a leading authority on life insurance with a long term care rider, offering one of the most comprehensive riders available for your clients' needs.

Our Long Term Care Servicessm Rider (LTCSR) transforms your client's life insurance. It's designed for any policy design, including those that focus on accumulation, with features that help your clients feel confident they will have a source of funds for long term care and their assets will be protected. This will give them the flexibility they need when they need it, without the typical trade offs.

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Eight reasons to choose our Long-Term Care ServicesSM Rider

Discover the eight most compelling reasons to choose our LTCSR.

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How our Long-Term Care ServicesSM Rider stacks up

Our LTCSR is more flexible without trade-offs. See why it's among industry leaders.

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Our Long-Term Care ServicesSM Rider allows family care

Once a care plan is in place, the insured can receive care from the person they're most comfortable with.

Why choose the LTCSR?

The following benefits are built right into the LTCSR contract:

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No limit on who can provide care

The LTCSR contract includes specific language so once a care plan is in place, the insured can receive care from the person they are most comfortable with, including a family member, friend or medical professional.

Built for any policy design

When paired with certain Equitable single life insurance policies, the LTC pool will always match the policy's death benefit if the client chooses, regardless of the complexity of the case design. No matter what the policy's objectives or performance, the LTC benefit is easily defined and anchored to the death benefit, even after the policy enters corridor or after policy actions such as withdrawals or death benefit option changes.

Spend less time waiting for benefits

If the client needs long term care for the rest of their life, we waive the elimination period. If they need long term care temporarily, we'll send payment for qualifying expenses after just 90 calendar days, so they'll get the money they need sooner.

Choose the monthly benefit percentage they'll receive

The percentage your clients choose determines their monthly benefit amount. They can choose: 1%, 2% or 3%.

Prospective policyholder

  • Individuals, age 20 – 752
  • Need life insurance protection and a way to pay for potential long-term care expenses
  • Hopes to preserve as much of his or her estate as possible
  • Is looking to add flexibility to his or her estate plan
  • Could own a closely held business, with a buy-sell agreement in place
  • May have a special needs family member
  • Currently has term life insurance and would like to convert to a permanent policy with LTC coverage

1 Policy loans and withdrawals will reduce the face amount and cash value of the contract. Clients may need to fund higher premiums in later years to keep the policy from lapsing.

2 70 is the maximum age in Florida.

3 This version of the rider is not yet available in CA or NY.

4 Insureds age 60 and older who elect this rider on VUL Legacy® will not be eligible for the preferred elite or preferred non-tobacco underwriting classes.

In FL, this rider is called the Long-Term Care Insurance Rider.

Actual terms and conditions of the LTCSR are contained in Rider form ICC19 R19 LTCSR, R19 LTCSR and state variations. This rider has exclusions and limitations and may not be available in all jurisdictions or may vary. The LTCSR has an additional cost and is subject to restrictions and limitations. Clients may qualify for life insurance, but not for the LTCSR. The LTCSR is paid as an acceleration of the death benefit.

You must be properly licensed to sell Equitable Financial Life Insurance Company and Equitable Financial Life Insurance Company of America products with the LTCSR. Depending on the issue state, you may be required to have a health insurance license and satisfy LTC CE requirements in addition to other licensing requirements.

Life insurance products are issued by Equitable Financial Life Insurance Company (New York, NY) or Equitable Financial Life Insurance Company of America and 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 life insurance products are co-distributed by Equitable Advisors, (member FINRA, SIPC)(Equitable Financial Advisors in MI and TN) and Equitable Distributors, LLC. When sold by New York state based (i.e., domiciled) Equitable Advisors financial professionals, life insurance products are issued by Equitable Financial Life Insurance Company (New York, NY). All companies are affiliated and directly or indirectly owned by Equitable Holdings, Inc., and do not provide tax or legal advice.

References to Equitable in this web page represent both Equitable Financial Life Insurance Company and Equitable Financial Life Insurance Company of America, which are affiliated companies. Overall, Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (NY, NY), Equitable Financial Life Insurance Company of America, an AZ stock company with main administrative headquarters in Jersey City, NJ, and Equitable Distributors, LLC.  Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI and TN).

GE-49E4002.1 (10/2022) (Exp. 10/2024)