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Female Age 65 Preferred Non- Smoker


Lapse Protection UL Policy

Single Premium

Death Benefit


LTC % Chosen

Amount of Monthly LTC Benefit

Potential Months of LTC Coverage

At Policy Issue





100 months

First LTC Payment





99 months

The data shown is taken from a hypothetical illustration. It assumes a hypothetical rate of return and is not a representation of expected future results. Unless indicated otherwise, these values are not guaranteed.[2]


Assumes no withdrawals or loans have been taken from policy. The amount of the death benefit that the monthly benefit payment is based on is the net death benefit at time of claim.


This example assumes that no policy loans or withdrawals have been taken and that the waiting period, which will vary, has been satisfied. It also assumes that the entire LTC benefit was paid. Any benefit not paid will continue to be part of the death benefit proceeds, net of any loans or withdrawals.