Indexed universal life with a long-term care engine inside. One premium, three jobs — and someone gets paid no matter how life goes.
median home health aide — most people's first and preferred setting.
median private nursing room — roughly $127,750 a year.
what Medicare pays toward ongoing custodial care. It was never built for this.
Care costs: Genworth / CareScout Cost of Care Survey medians, 2024–2025.
Traditional long-term care insurance is use-it-or-lose-it. This isn't.
The rider accelerates your death benefit into a monthly care check — home care, assisted living, or a facility. Typically 2–4% of the benefit per month, income-tax-free.
Cash value grows with a market index — 0% floor, gains lock in — and you can borrow against it tax-advantaged in retirement. The premium was never wasted.
Passes to your family income-tax-free. Use some for care, and the rest still lands where you intended it.
A doctor certifies you can't do 2 of the 6 activities of daily living without help — or you have a severe cognitive impairment like Alzheimer's — and the need is expected to last 90 days or more. No hospital stay required, no waiting for "bad enough." Tap two tiles to see it trigger.
Tap the activities a doctor would certify you need help with. Two is all it takes.
The full monthly benefit lands in your bank account. No receipts, no bills to submit. Pay a facility, pay your daughter to care for you, modify the house — your call.
The carrier repays qualified expenses only, against monthly bills and receipts. Never pays more than you spent — and family caregivers usually don't count.
Move the sliders — the numbers respond in real time. Nothing is sent anywhere.
Hypothetical illustration — the carrier's contract and illustration govern. Cash-value growth not shown here; it rides alongside.
Rider menus, charges, and triggers vary by carrier and state — I compare across 20+ carriers before recommending one. The real numbers come from the carrier's illustration.
Get my numbers — 15 min