Hang out with Byron as he explains what a Benefit rider is and how it might better be better than long term care coverage…stick around, he really knows his stuff!

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Did you know that there’s a 70% chance you’ll need long term care after you reach the age of 65 (and a 91% that you or your spouse will need it if you’re married)? The cost of that care is incredibly high – and it gets more expensive every year. Some life insurance companies have begun to offer a creative solution called the Benefit Access Rider that is designed to help people cover the cost of long term care. It offers a few key advantages over LTC Insurance Policies including:

– Complete freedom in how benefits can be used

– There is no elimination period – as soon as you need the care, you can get access to the benefit

– Because it’s a rider on a life insurance policy, there are no wasted premiums. If you die without needing long term care, you’ll receive 100% of the death benefit. (Long term care insurance policies do not include a death benefit)

– Premiums remain level

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