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    Long-Term Care Riders

    Have questions concerning Long-Term Care riders?

               Find answers here. 





    Contact our sales team for information and quotes-

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    Hot Topics

    Long-Term Care Planning

    Advisors and Consumers share thoughts and insights you can use to drive long-term planning conversations with your clients.

    30 Facts to know about Long-Term Care Planning

    Contact our sales team to dicuss the best solutions for your clients.





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    A Streamlined Process for Term Life Insurance





    Now you have a choice to submit our brief two page form, or use to submit an insurance request for any one of seven leading term carriers! 

    Term life insurance is critical to most financial plans and to your clients’ financial future.  Yet most advisors avoid addressing this client need due to the cumbersome and time consuming process required.  With Quick Submit, you can help your clients readily obtain the coverage they need to protect themselves for the benefit of their families and their businesses using our easy, streamlined process.

    • Eliminates the lengthy paper application process
    • No need to ask awkward medical or financial questions
    • Just submit a term life insurance request via the on-line ticket
    • Clients are then contacted by the tele-underwriter to complete the application and schedule an exam, if needed
    • This approach also minimizes medical records requests and the need to re-contact your client
    Contact our sales team at for more information


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    Two-Minute Underwriting for your Healthy Clients

    With Sagicor, the Accelewriting "underwriter" delivers decisions in 1-2 minutes





    • Appropriate when looking for an immediate underwriting outcome
    • 2 minute underwriting decision for properly prescreened, healthy clients
    • Cases submitted online with e-delivery available to your clients
    • Term issue ages 18-65 with face amounts $50,000-$500,000.00 with conversion options
    • Guaranteed Universal Life and Whole Life products are also available
    • Check out this pre-recorded webinar for additional detail

    For access to the Sagicor website for online quotes and submission, you must first be appointed. Reach out to our licensing department at for details.

    Our sales department can be reached at 412-281-0600 or to assist with any questions you may have. 


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    Alternative LTC Solutions

    70% of Americans turning 65 will need long term care.  Are your clients prepared for future LTC expenses?  Lincoln MoneyGuard gives your client the LTC benefit they need without worrying about increasing premiums!




    Linked Products are designed to fulfill your client's LTC need in today's world. 

    Check out these links for more information on Linked Products and LTC:

    LTC Solution Spectrum

    LTC Myths

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    $1M Through Age 60; NO EXAM!

    Accelerated Underwriting from Principal Financial may enable your preferred and super preferred clients to avoid exams and APS's and receive prompt underwriting approval. 



    Clients that do not qualify for Accelerated Underwring will still be eligible for the regular underwriting process.

    Compare Principal's competitive term and UL portfolio; now with Accelerated Underwriting.

    For more details on this exciting program, contact us at 412-281-0600 (press "0" for the operator) and ask for someone in our sales department, or email us at