Recent research indicates that long-term care costs are rising faster than 3%.* Yet many of today’s hybrid LTC solutions still rely on a fixed 3% compound inflation rider — an approach that may undershoot your clients' long-term care need in 20 to 30 years.
LifeCare is designed to help align benefits with therealcosts of long-term care — and to help your clients’ plans stay on track over time
Ready to close the inflation gap on your hybrid LTC sales?
Contact your LifeCare Specialist at 844-544-5433 today!
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*Wynn, P. AARP Report Finds Long-Term Care Costs Outpacing Americans’ Incomes, March 2026.
FOR AGENT USE ONLY. THIS MATERIAL MAY NOT BE USED WITH THE PUBLIC.
The LifeCare Long-Term Care rider and the LifeCare Long-Term Care Inflation rider accelerate the death benefit for approved long term care expenses and, depending on the benefit period selected, may also offer an extension of long-term care benefits after the death benefit has been fully accelerated. When the death benefit is accelerated for long-term care expenses, it is reduced dollar for dollar, and the cash value is reduced proportionately. The riders have a maximum monthly benefit amount and are subject to underwriting. There are additional fixed premiums associated with these riders. The riders have exclusions and limitations, reductions of benefits, and terms under which it may be continued in force or discontinued. Consult the state specific Outline of Coverage for additional details. Insurance policies and/or associated riders and features may not be available in all states. Insurance products issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116.
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