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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)



 

*Tax-advantaged means that a distribution of cash values may be income tax free provided the policy stays in force, it is not a Modified Endowment Contract (MEC) and it is structured properly - withdraw to cost basis and borrow earnings.

A Modified Endowment Contract (MEC) is a type of life insurance contract that is subject to first-in-first-out (FIFO) ordinary income tax treatment, similar to distributions from an annuity. The distribution is also subject to a 10% tax penalty on the gain portion of the policy if the owner is under age 59 1/2. The death benefit is generally income tax free.

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