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Long Term Care Rider (Accelerated Death Benefit for Long Term Care Services Rider)


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Long Term Care Rider (Accelerated Death Benefit for Long Term Care Services Rider)


Long Term Care Rider
(Accelerated Death Benefit for Long Term Care Services Rider)

Did you know that a Guardian life insurance policy may be used to address two protection needs? When added to an eligible Guardian Whole Life policy, the Long Term Care Rider provides the policy owner with the ability to fund expenses associated with qualified long term care services and death benefit protection with one product.

Death benefit protection and a source of funds to draw upon for qualified long term care services, all in one policy
Guardian’s Long Term Care Rider allows you to accelerate a portion of the policy’s death benefit if the need to help cover the cost of long term care services arises during your lifetime2. The rider can provide a flexible, economical alternative to other sources of funding. It can help relieve the financial strain many families experience when there is a need for long term care.

When the Long Term Care Rider is added to an eligible Guardian Whole Life policy, you can:

  • Minimize the impact of unanticipated expenses related to care
  • Preserve your wealth, allowing you to leave behind a legacy for your loved ones
  • Avoid the need to purchase two separate policies
  • Control the type of care you receive and where you receive it

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1The rider is available at an additional premium.
2Accelerated Death Benefit for Long Term Care Services Rider is marketed as Guardian’s Long Term Care Rider.

Guardian's Long Term Care Rider is issued on Form ICC13-LTCR, 13-LTCR, or any state variation of such form under The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004

This rider has exclusions and limitations. For costs and complete details of the coverage under this rider please contact your Guardian financial representative.

The purpose of this material is the solicitation of insurance. An agent/representative may contact you.

ICC13-LTCR2