Close Button

Log in to AXA

Register

Log in to AXA

Register


Taking Care of Life Insurance and Long-Term Care Needs

Taking Care of Life Insurance and Long-Term Care Needs



Purchasing a stand-alone long-term care insurance policy and a life insurance policy is one option. However, your clients can purchase one policy to cover both needs.  Because 70 percent of people over age 65 may need long-term care services,1 this can be a cost-effective way to protect a client’s family and provide funds in case the client needs long-term care services at some point in the future.


  • Jennifer owns an AXA Equitable life insurance policy with the Long-Term Care ServicesSM Rider.2
  • She selects Death Benefit Option A with a face amount of $2,000,000.
  • She chooses an acceleration percentage of 50 percent, meaning she can use up to 50 percent of her death benefit amount for qualified long-term care expenses. (She had the option to choose from 20-100 percent.)
  • Her monthly benefit percentage is 1 percent.  She had the flexibility to choose 1 percent, 2 percent or 3 percent.  In this case, she can receive 1 percent of her death benefit for long-term care expenses each month.

Let’s see what could happen if she needed all, some, or none of the long-term care benefit.  In each case, you can see how much of the long-term care benefit she used and how much was left for her beneficiaries at her death.


  • Needs life insurance protection
  • Is looking for an affordable way to also cover potential long-term care expenses

1 America’s Health Insurance Plans (AHIP) Guide to Long-Term Care Insurance, www.ahip.org. 2013 Revised edition.

2 In Florida, this rider is called the Long-Term Care Insurance Rider. In California, this rider is called the Comprehensive Long-Term Care Rider.

Long-Term Care ServicesSM is a service mark of AXA Equitable Life Insurance Company.

IU-108126 (11/2015)

Stay in the loop