Insurance & Investments / Life Insurance
Long term care rider

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Everyone’s expecting to live longer now. In fact, you should plan on it.

With Americans living longer than ever before, it’s no surprise that about 70% of people over 65 will eventually require some form of long term care services.* That’s why it’s so important to prepare now to help cover the cost of the services you may need.

You may be able to include Guardian’s Long Term Care Rider (Accelerated Death Benefit for Long Term Care Services Rider) when you buy certain types of our life insurance. This rider lets you access money from a part of your life insurance policy during your own lifetime if you are receiving long term care services due to a chronic illness.

Including a long term care benefit with your life insurance provides

  • Simplicity: Rather than purchasing two separate policies — a life insurance policy and a separate long term care policy — you can own a single product that can be used for life insurance protection and to help pay for long term care services.

  • Flexibility: You have the freedom to choose, within certain limits, the amount of monthly benefit that best meets your needs. And you can decide to stop receiving payments, or change the amount of the payment, at any time.

  • Independence: Caring for an aging loved one can be financially draining. Including the long term care rider with your life insurance policy may help reduce the financial responsibility of your family and friends to provide for you as you age.  

  • Less paperwork: With this type of benefit, called an indemnity style rider, you don’t need to submit bills and receipts each month. 

Learn more about long term care coverage

We can help you prepare now to minimize the financial strain of long term care.

Whole life insurance

Learn why it’s important to consider long term care coverage with your whole life insurance policy.

Universal life insurance

Learn why it’s important to consider long term care coverage with your universal life insurance policy.

Facts at a glance

Highlights of how long term care can help you.

*https://longtermcare.acl.gov/the-basics/how-much-care-will-you-need.html; site last updated in October 2017

The rider is available at an additional charge. Accelerated Death Benefit for Long Term Care Services Rider is marketed as Guardian’s Long Term Care Rider.

The Guardian Life Insurance Company of America, New York, NY.

Guardian’s Long Term Care Rider is issued on Rider Forms ICC13-LTCR and ICC18-LTCR UL.

Guardian Whole Life Products are issued on Policy Forms ICC11-WL10, ICC12-L20, ICC12-L65, ICC14-L95, ICC14-L99, and ICC14-L121.

Guardian's Current Assumption Universal Life is issued on Policy Form ICC18-CAUL.

This rider has exclusions and limitations. For costs and complete details of the coverage under this rider please contact your Guardian advisor.

This material is intended for general public use. By providing this material, Guardian is not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial professional for guidance and information specific to your individual situation.

ICC18-LTCR1