Now available! LTC Agreement for Securian UL policies
06-30-2025
New LTC solution offers flexibility
Our new Long-Term Care Agreement (LTCA) is now available on our individual universal life policies in all states except California, Montana, New York and Oregon.
Three reasons your clients are going to love this solution:
1. Cash indemnity benefit (7702B) for long-term care (LTC). Clients have total control over how they choose to use their LTC benefit. No need to get expenses pre-approved or worry about what’s covered.
2. LTC protection that travels the world. Clients living abroad will have access to 100% of their LTC benefit pool and can receive up to their maximum monthly benefit.
3. A flexible mix of death benefit and LTC protection. By adding the LTCA, clients can leverage their life insurance policy to receive the benefits they need — LTC benefits, a death benefit or both.
Important notes and state availability
- The LTCA is available in all states except California, Montana, New York and Oregon.
- The LTCA is available on all our individual universal life policies.
- The LTCA cannot be added to in-force policies.
- You must be properly licensed to sell the LTCA:
- In pre-appointment states, you need to be pre-appointed before taking an application for LTCA. See a list of pre-appointment states (on page 3).
- You must complete any state-required LTC training before taking an application for LTCA. Review LTC licensing and training requirements in each state.