Financial Independence for You and Your Loved Ones

Life with Long-Term Care Advance provides affordable hybrid coverage as it combines life and long-term care insurance.

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Premium Duration 20 years
Coverage Minimum life protection $25,000
Minimum Long-term Care Advance: $250/month
Issues ages 0-59

How it Works

You'll receive a tax-free monthly benefit if you need daily care after age 65 or 10 years after the contract is issued, whichever is later. The tax-free advance equals 1% of your life insurance amount for up to 100 months, subject to a 3-month waiting period. This advance is interest-free and premiums are waived as long as you are receiving benefits.

  • At death, the balance of your insurance is paid to your beneficiaries with a minimum of 25% of your initial life insurance amount. This means that your insurance could pay 125% of your initial insurance amount!
  • You can pay premiums monthly or annually.
  • Guaranteed cash value grows tax-deferred. Cash values can be accessed during your lifetime.
  • No matter how large the death benefit, it passes to your beneficiaries generally tax-free.

And typically, the sooner you purchase your Life with Long-Term Care Advance policy, the lower your premiums will be. Talk to a State Farm™ agent for details on costs, coverages and restrictions.