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Life Insurance and Long-Term Care (LTC) Coverage in One Policy for Two People

The LTC Rider, available on Nationwide YourLife® No-Lapse Guarantee SUL II, offers an affordable way to purchase life insurance protection and help cover long-term care expenses for two people in one policy.

Adding the LTC Rider to your Nationwide YourLife No-Lapse Guarantee SUL II life insurance policy may help you prepare for long-term care expenses and help take care of legacy and estate planning needs for your family.

The LTC Rider may help:

SUL-Adult-ancor-graphic SUL-Spouse-ancor-graphic SUL-Partner-ancor-graphic
LTC Coverage for
Adult Child & Parent
LTC Coverage
for Spouses
LTC Coverage
for Partners


Adult Child and Parent
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SUL-Adult-ancor-graphic

Look at two possible situations where this long-term care rider may help.

Adult child. Aging parent. Double dilemma

Long-term care (LTC) is one of the more daunting issues adults with aging parents have to deal with. Here’s a typical scenario:

Jill is 45 and married to Colin; they have two children.

They’re saving for a comfortable retirement and want to leave their kids a legacy.

They also want to help Jill’s mother, Lillian, a 70-year-old widow who hasn’t planned for her own potential long-term care needs.


A mother who wants to provide her daughter with the gift of care

Long-term care (LTC) is one of the more daunting issues adults with aging parents have to deal with. Here’s a typical scenario:

Margaret is a 70-year-old widow who wants to plan for her own potential LTC needs.

Her daughter, Sara, is 40 and a single mother of three children, Because her main priority is financing her children’s needs, Sara can’t afford life insurance or LTC coverage just now.

Margaret wants to help herself, her daughter, and help provide a legacy for her grandchildren.


Spouses
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SUL-Spouse-ancor-graphic

Look at a scenario where this long-term care rider may help.

Provide funds to help with the heavy lifting of caring for a spouse

Planning for potential long-term care (LTC) expenses and helping to ensure a legacy for your children becomes increasingly important as you get older. Here’s a typical scenario:

With their kids out of college, Jean and Don, who are both 62, realize it’s time to plan for their own potential LTC needs. After watching their own parents struggle with LTC, Jean and Don don’t want to be in the same boat of having to take care of each other when they are older.

They’re worried LTC coverage is too expensive and don’t want to dip into savings to pay for it.

Most importantly, they want to protect or enhance the legacy for their three children.


Partners
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SUL-Partner-ancor-graphic

Look at a scenario where this long-term care rider may help.

Protecting assets when long-term care enters the picture

Help insure that you and your domestic partner have prepared for expenses related to long-term care (LTC)

Alex, 40, and James, 50, have been together for more than 15 years and are just starting to think about their potential LTC needs.

They don’t want to rely on family members for LTC needs and they don’t want to deplete each other’s assets to pay for LTC expenses.

Alex may not be ready to end his career when James needs LTC. And neither wants their LTC needs to have an impact on each other or their family.


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