Linked Benefits

Protect yourself. Preserve your legacy.

Do you want to have protection no matter what happens in your life? Do you want to get maximum value for your money? Do you want a flexible policy that can change with your needs?

If you answered “yes” to any of the questions above, a Linked Benefits policy may be an appropriate insurance policy for you. A Linked Benefits policy is a unique life insurance product that allows you to protect your assets from a potential long term care (LTC) event and provides a death benefit without having to purchase two separate policies. By paying an initial premium, you immediately create a death benefit for your beneficiaries and a pool of benefits to pay for covered long term care needs.

A Linked Benefits policy provides you with:

  • A guaranteed death benefit that is generally income tax free – your beneficiaries will receive a death benefit whether you use none, some or all of your LTC benefits
  • Value for your money – typically, your death and LTC benefits are significantly greater than your initial premium
  • Flexibility – no matter what happens in your life, you will have a guaranteed level of benefits

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