Long-Term Protection Doesn’t Have to be Pricey
Help clients plan ahead for their long-term protection needs
Chronic illness is a topic that’s difficult for many to discuss — yet, nearly 70%1 of those over 65 will need long-term care in their lifetime. That’s why clients need reliable coverage they can count on.
See how adding the Conversion ChoiceSM rider with ExtendCareSM to a new Protective® Classic Choice term policy can help clients secure affordable protection now while preparing for this possibility.
| Protective Classic Choice term (Base policy)* | Base policy + Conversion Choice rider with ExtendCare | Additional premium cost |
| $128.39 /month | $153.04 /month | Only $24.65 more per month or 0.82 cents more per day2 |
* $500,000 in protection for 20 years
This rider offers clients more time to convert to a broader range of permanent products. Plus access to chronic illness protection at conversion — without any additional underwriting or medical exams.
Learn more about how this solution can help clients prepare for whatever lies ahead.
1 Christine Benz, “100 Must-Know Statistics About Long-Term Care: 2023 Edition”, Morningstar©, 2023.
2 Assumes 50-year-old male, non-tobacco rate class, $500,000 face amount. Base policy includes options to convert to the broader range of Protective permanent products for up to five years with additional restrictions.