Stephens Insurance Design Group, LLC

Provides a Daily or Monthly Benefit

Provides choice of where and who provides your care. 

Policy has inflation to keep your benefits growing to help offset the increasing costs of care each year without increasing the premiums. 

Benefit periods can be from 2 years to 6 years.

Premiums can be increased on a class basis. 

Premiums may be tax deductible.

Combines a dollar amount that can be used for Long Term Care or a Death Benefit.

Provides a choice of where and who provides your care.

Long Term Care portion has Inflation Benefit to keep pace with Inflation.

Can have Long Term Care benefits paid for lifetime.

Unlike Traditional Long Term Care, the premium can never be increased.

With Traditional Long Term Care, if you never need the benefit, you have just paid your premium for peace of mind.  With the combo product, if you never use the Long Term Care Benefit, a death benefit is paid upon death (the second to die when two are covered) or you can get cash if you surrender the policy and ultimately all of your cash back based on the number of years you pay.  

The combination Life Insurance Policy can also be paid by one single premium or on a ten or fifteen year basis.