| Elimination Period |
Must be satisfied only ONCE. |
| Spousal Discount |
20% if both spouses are
issued. 10% if only one can be issued. |
| Waiver of Premium |
Premiums are waived
once you are eligible for benefits. |
| Recovery Benefit |
Policy becomes
paid-up if you spend 12 months in a nursing facility, recover, and
return home. |
| Rate Guarantee |
3 year Rate
Guarantee |
| Optional
Features: |
| Home Health Care |
Home and Community
Care payable from Day One. |
| Survivorship Benefit |
After 10 Years with no benefits being
paid, if One Spouse Dies, the Survivor's policy is Paid Up. |
| Return of Premium |
Return of Premium
payable upon your death |
| Shared Benefits |
You may utilize your
spouses benefits in addition to your own. |
