A large insurer is offering an “optional facility care benefit.”

Hartford Life Inc., Simsbury, Conn., a unit of Hartford Financial Services Group Inc., Hartford, is building the benefit into the Hartford Income Security deferred fixed payout annuity.

The annuity can guarantee lifetime income for holders who start collecting income late in life, Hartford Life says.

Customers who buy the facility care benefit option can collect extra income if they enter an assisted living facility and are unable to perform certain activities of daily living, Hartford Life says.

Although the benefit may look like a long term care benefit to consumers, Hartford Life is emphasizing that the benefit is not long term care insurance.

Hartford Life is issuing the policy through its Hartford Life Insurance Company affiliate.