- If you purchase some form of LTC insurance and never need it, you and your family will be very glad you did not need it.
- If you purchase LTC insurance and you need care, you and your family will be very glad it was purchased.
- If you do not purchase LTC insurance and you need care, you and your family will desperately wish you had!
Return of premium rider are available on traditional or stand-along long term care policies. With linked benefit polices, the underlying life insurance or annuity would go to your heirs.