Care Conversion Option Rider (CCOR)

Planning for today…and tomorrow


Life can be unpredictable and planning for the future can prove anything but simple. The term life insurance Care Conversion Option rider (CCOR) can help ease some of those future anxieties by affording you a unique guarantee.1

Protect your insurability

One of the key reasons to evaluate conversion privileges on term insurance has always been to protect insurability for a permanent life insurance policy.

With Guardian’s Care Conversion Option rider, you can help ensure the ability to purchase the Accelerated Death Benefit for the Long Term Care Services (LTCR) rider...without requiring additional underwriting when you convert in the future! Preparation for today, and tomorrow.

What this means

With the Care Conversion Option rider – Guardian has created a rider that can guarantee your ability to add an accelerated death benefit for long term care services upon conversion, therefore, helping to solve the problem of possible disqualification from access to the LTCR rider if your underwriting status changes in the future.

What you can do

You simply add the rider at issue for an additional charge, and that rider will be available for you upon conversion. When you convert a policy, your permanent policy will be eligible to include the Long Term Care Services rider.

How it works

The Care Conversion Option is an additional rider that must be added at issue of your term policy. It cannot be added to existing contracts. The Care Conversion Option allows conversions that happen within the first 5 years to add the LTC rider without any additional underwriting. Learn more here.

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Riders may incur either an additional premium or cost. Rider benefits may vary or may not be available in all states.

Policy form numbers: 20-GLT

Conversion Care Option Rider: 20-CCOR

Guardian Level Term is issued by The Guardian Insurance & Annuity Company, Inc. (GIAC), a Delaware corporation whose principal place of business is 10 Hudson Yards, New York, NY 10001. 1 888 GUARDIAN (1 888 482 7342).

GIAC is a wholly owned subsidiary of The Guardian Life Insurance Company of America.

2020-110363 20221130