Prudential Insurance Company of America has introduced a long term care insurance policy for individuals that offers fewer choices than most LTC policies.

The company is positioning the new product, Prudential LTC Evolution, as a way for consumers to simplify decisions about how to protect themselves financially against a future need for continuing care.

Prudential Life, a subsidiary of Prudential Financial Inc., Newark, N.J., is offering the product in Alabama, Arizona, Delaware, Iowa, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, Oklahoma, Rhode Island, West Virginia and Wyoming.

Consumers buying LTC Evolution need make only one benefit decision–choosing a lifetime maximum ranging from $100,000 to $1 million, to reimburse 80% of claim costs for covered LTC services, according to Prudential.

The product’s standard features include an alternative plan of care benefit that may cover new types of care that emerge years after a consumer has purchased the policy; and a starter benefit, which would pay $1,500 a month in cash once a sudden chronic illness or disability is certified.