Peace of Mind. Rainy Day Coverage.

Preparation for even the rainiest of days.

You’ve worked hard, saved wisely, and maybe had a little luck along the way. As you approach or enjoy retirement, you may find yourself with more than enough income, a healthy reserve, and even some extra funds set aside—your “rainy day” money. It’s comforting to have that cushion, just in case. And if you never need it, chances are you plan to pass it on to your loved ones.

But have you considered what kind of “rainy day” could truly impact your financial picture? For many, the biggest storm comes in the form of health challenges. Illness or the need for long-term care later in life can create a significant financial burden, even for those who are well-prepared.

One powerful way to protect against that possibility is with a life insurance policy that includes long-term care benefits. If you ever need extended care, it can help cover those costs. And if you don’t, your beneficiaries still receive a tax-free death benefit—often worth more than the premiums you’ve paid. Plus, many policies offer flexibility, giving you access to your premiums if your plans or needs change.

It’s smart protection for an uncertain future—because rainy days happen, and it’s better to be ready.

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Based on the assumption that the policy is fully funded and has not been subject to any loans, withdrawals, or claims. For specific information on return of premium features within a life insurance policy, please consult your financial services professional and the specific policy information.

Please keep in mind that life insurance policies typically require health underwriting and, in many instances, financial underwriting. The policy owner of a life insurance policy with long-term care benefits typically needs to meet certain qualifying conditions in order to access long-term care benefits within the policy. Depending on the total amount of premiums paid, a policy may be treated as a Modified Endowment Contract (MEC) under federal tax laws. If a policy is treated as a MEC due to overfunding, then surrenders, partial surrenders, and loans will be taxable as ordinary income to the extent there are earnings in the policy. If any of those features are exercised prior to age 59½, a 10% federal tax penalty may apply. Please consult your tax professional.

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