Long term care rider


Everyone’s expecting to live longer now. In fact, you should plan on it.

With Americans living longer than ever before, it’s no surprise that about 70% of people over 65 will eventually require some form of long term care services.1 That’s why it’s so important to prepare now to help cover the cost of the services you may need.

You may be able to include Guardian’s Long Term Care rider or Guardian's Joint LTC Rider when you buy certain types of our life insurance. This rider lets you access money from a part of your life insurance policy during your own lifetime if you are receiving long term care services due to a chronic illness.

Including a long term care benefit with your life insurance provides:

  • Simplicity: Rather than purchasing two separate policies — a life insurance policy and a separate long term care policy — you can own a single product that can be used for life insurance protection and to help pay for long term care services.

  • Flexibility: You have the freedom to choose, within certain limits, the amount of monthly benefit that best meets your needs. And you can decide to stop receiving payments, or change the amount of the payment, at any time.

  • Independence: Caring for an aging loved one can be financially draining. Including the long term care rider with your life insurance policy may help reduce the financial responsibility of your family and friends to provide for you as you age.

  • Less paperwork: With this type of benefit, called an indemnity-style rider, you don’t need to submit bills and receipts each month.2

Learn more about long term care coverage

We can help you prepare now to minimize the financial strain of long term care.


Whole life insurance 

Learn why it’s important to consider long term care coverage with your whole life insurance policy.

Joint LTC LifeTM insurance

Learn the value long term care coverage offers two individuals when combined with a joint (survivorship) whole life insurance policy.

Universal life insurance 

Learn why it’s important to consider long term care coverage with your universal life insurance policy.


1https://longtermcare.acl.gov/the-basics/how-much-care-will-you-need.html; site last updated in October 2017

2Guardian may periodically require the owner to submit documentation that the insured is receiving care and incurring costs.

The rider is available at an additional charge. A distribution (loan/withdrawal) from a policy with the Long Term Care rider (LTCR) prior to an LTCR claim will reduce the amount available for an LTCR claim. Accelerated Death Benefit for Long Term Care Services Rider is marketed as Guardian’s Long Term Care Rider.

Accelerated Death Benefit for Long Term Care Services Rider for Survivorship Whole Life is marketed as Guardian’s Joint LTC Rider.

Guardian's Joint LTC LifeTM is a package combining Guardian's survivorship whole life with Guardian's Joint LTC Rider.

The Guardian Life Insurance Company of America, New York, NY.

Guardian’s Long Term Care riders are issued on Rider Forms 13-LTCR and 18-LTCR UL, or state equivalents.

Guardian's Joint LTC Rider is issued on Rider Form 19-LTCR SWL or state equivalent.

Guardian whole life products are issued on Policy Forms 19-L10, 19-L15, 19-L20, 19-L65, 18-L95, 18-L99, and 18-L121 or state equivalents.

Guardian's survivorship whole life product is issued on Policy Form 17-SWL or state equivalent.

Guardian's Current Assumption Universal Life is issued on Policy Form 18-CAUL or state equivalent.

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

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

Material discussed is meant for general informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice.