Any Discount States Not Payment

Carrier
Product/Rider
Accelerated Access
American General
Solution
Issue Ages
Discount
Applied at
Claim
States Not
approved
Products
Tax Status
Payment
Method
Elimination
Period
Any
prevention of
lapse while on
claim
Survivorship
International
Coverage
Death Benefit
Reduction
101 (g)
Indemnity
90 Days
Yes
No
No
Dollar for
Dollar
Indemnity
90 Days
Yes
No
Yes
Dollar for
Dollar
18-80
No
CA, CT, NY
AG Secure
Lifetime GUL
II & Elite
Index II
AXA
LTC Services Rider
20-75
No
FL, MN, WA
UL, IUL
7702 (b)
Genworth
Total Living
Coverage
18-79
No
PA
Stand Alone
Asset Based
LTC Product
7702 (b)
Reimburseme 0 home care, 90 N/A, single
nt
days for facility premium only
No
Up to 50%
monthly max,
facility care only.
Dollar for
Dollar
Genworth
Accelerated DB
Rider for LTC IUL
Up to Age 65
No
CA, FL, NY
IUL Only
7702 (b)
None for home All expenses in
Reimburseme
care, 90 days for the policy stop
nt
facility
when on claim
No
Yes
Dollar for
Dollar
7702 (b)
Reimburseme
nt
100 Days
Only if in a
nursing homesee detailed
Page
No
No
Dollar for
Dollar
Zero
Yes, if single
premium. If
flex pay, then
premiums
must continue
to be paid
No
Yes, limited
Dollar for
Dollar
No
Yes, limited
Dollar for
Dollar
No
Yes
Dollar for
Dollar
John Hancock
Long Term Care
Rider
Lincoln Financial
Lincoln
MoneyGuard
Reserve Plus
Lincoln Financial
MoneyGuard II
20-75
35-80
40-79
LifeEnhance
20-80 (limits
Lincoln Financial Accelerated Benefit
details)
Rider
No
Approved in all
states. 2014
Almost all
pending
product-see
approval in
rider for
some states,
details
see product
detail page.
Stand Alone
Based LTC
Product
Yes, but only
on lump sum
7702 (b)
Reimburseme
nt
No
CA,FL, HI, NJ,
VI-use MGR
Plus in these
states.
Stand Alone
Asset Based
LTC Product
7702 (b)
Reimburseme
nt
Zero
No, If claim
occurs while in
premium
paying period
(flex pay),
those
premiums
must be paid
No (payment
elected as
lump sums
do)
CA, MS no
terminal
illness, not
filed in NY
GUL, IUL
101 (g)
Indemnity
None
Yes
MetLife
Minnesota Life
Enhanced Care
Benefit Rider
Long Term Care
Agreement
Accelerated Death
Mutual of Omaha Benefit for Chronic
Illness
Nationwide
Long Term Care
Rider
18-70
Yes
CA,FL, IN, LA,
MA, OH, WA
Whole Life
101 (g)
Indemnity
90 Days
No, client must
pay premiums
on residual
death benefit
No
Yes
Reduce DB
with Finance
Charges
No
No
Dollar for
Dollar
20-80
No
NY
IUL, GIUL
7702 (b)
Indemnity
90 Days
No, rider
charges
waived. See
product/rider
detail page.
18-85
Yes
CA, CT, NY
GUL, GUL
Plus and
Accum UL
101 (g)
Indemnity
90 Days
No
No
No
Reduce DB
with Finance
Charges
No
MT, PR
GUL, IUL,
Accum UL,
Single
Premium UL
7702 (b)
Indemnity
90 Days
Yes
No
Yes
Dollar for
Dollar
Yes
CA-CT only has
1 product
available, state
variations of
rider apply
IUL, UL &
SIUL
101 (g)
Indemnity
90 Day (None
for severe
cognitive)
Yes
Yes
Yes
Reduce DB
with Finance
Charges
Accum UL
and IUL
101 (g)
Indemnity
90 Days
No
No
Yes
Dollar for
Dollar
21-80
Chronic Illness
Accelerated Benefit Up to age 80
Rider (CIABR) /
(Rapid
North American
Accelerated Death Builder To
Benefit
Age 75)
Endorsement (ABE)
Principal
Chronic Illness
Death Benefit
Advance Rider
(CIDBAR)
20-75
Yes
CA, CT, FL, KY,
MD, MA, MN,
NJ, NY, OH, VT,
WA
Protective
Chronic Illness
Rider
20-80
No
Current
CA, CT, FL, ND,
Assumption
NJ
UL
101 (g)
Indemnity
3 or 12 months
Yes
No
Yes
Dollar for
Dollar
Protective
ExtendCare
20-80
No
CA, CT, FL, NJ
GUL and IUL
101 (g)
Indemnity
3 or 12 months
Yes
No
Yes
Dollar for
Dollar
Prudential
Benefit Access
Rider (BAR)-cannot
combine with
Living Needs
Benefits Rider
20-80
No
CT, MD, MS,
NY, WA and
Guam
GUL
101 (g)
Indemnity
Zero
Yes
No
Yes
Dollar for
Dollar
Transamerica
Long Term Care
Rider
18-80
No
FL, GU, NY, PR
& VI
GUL, IUL
7702 (b)
Indemnity
90 Days
Yes
No
No
Dollar for
Dollar
Yes
CT, IL, KS, VT,
WA, MA, NY,
PR, VI
Term
101 (g)
(Critical 102104)
Indemnity
See details
No
No
Yes
Dollar for
Dollar
Transamerica
Trans LB (Term
with Chronic
Varies LB 18Critical & Terminal
80
Illness)