Your Long Term Care Rates + Plan

AV has partnered with LTC Solutions, Inc., an expert in the long-term care insurance marketplace, and Trustmark, a well-established carrier in the industry. Together, we bring you the opportunity to purchase a valuable life + long-term care insurance plan.

getty-images-RNuR3VEhMZg-unsplash-1-1

 

logo-with-tagline

 

Calculate Your Monthly Rates

Tobacco Status is based on a 12 Month Look Back for use of Cigarettes, Cigars, Smokeless Tobacco, and E-Cigarettes.
Benefit
Option 1
Option 2
Option 3
Life Insurance Benefit
$25,000
$50,000
$100,000
LTC Insurance Benefit
$50,000
$100,000
$200,000
Select age
Select age
Select age
Spouse Monthly Premium
Select age
Select age
Select age
Total Monthly Premium Without Marital Discount
Select age
Select age
Select age
Total Monthly Premium With Marital Discount
Select age
Select age
Select age
Benefit
Option 1
Life Insurance Benefit
$25,000
LTC Insurance Benefit
$50,000
Select age
Spouse Monthly Premium
Select age
Total Monthly Premium Without Marital Discount
Select age
Total Monthly Premium With Marital Discount
Select age
Benefit
Option 2
Life Insurance Benefit
$50,000
LTC Insurance Benefit
$100,000
Select age
Spouse Monthly Premium
Select age
Total Monthly Premium Without Marital Discount
Select age
Total Monthly Premium With Marital Discount
Select age
Benefit
Option 3
Life Insurance Benefit
$100,000
LTC Insurance Benefit
$200,000
Select age
Spouse Monthly Premium
Select age
Total Monthly Premium Without Marital Discount
Select age
Total Monthly Premium With Marital Discount
Select age

Plans are available from $10,000 to $150,000. Click here to login to the enrollment system.
Plan and age limitations apply.

*In the event of a discrepancy between the premiums shown here and the carrier rate calculation, carrier's information will prevail.

Trustmark Plan at a Glance

Have Questions? Explore our FAQs

View the Full FAQ PDF →
What is Life + LTC Insurance?

You could need Long-Term Care (LTC) because of an accident, illness, cognitive impairment or simply due to aging.

This plan is designed to help you and your family plan for the high cost of Long-Term care and combines the benefit of life insurance. You WILL receive a benefit, either for LTC, Life Insurance, or both.

How does the plan's benefit work?

Choose a life insurance benefit and you will receive a monthly LTC Benefit of 4% of the life insurance benefit to use for Professional Care or 2% of the life insurance benefit to use for Family Care upon LTC claim approval.

Does the plan’s benefit decrease?

The death benefit will decrease to 1/3 of the original face value at age 70 or after 10 years, whichever is greater. Your LTC benefit does not reduce.

What happens if I use all the benefits for LTC? Do I receive a death benefit?

Yes, Trustmark restores the death benefit to the current death benefit value (at age 70 or after 10 years this would be the reduced death benefit).

What happens if I never need LTC and don’t use the LTC benefit?

Your beneficiary will receive the death benefit upon your death.

How do I trigger the plan's LTC benefit?

When you need assistance and are certified by a physician as needing assistance with 2 out of 6 Activities of Daily Living (ADL’s) or you are diagnosed with cognitive impairment after the first 90 days. The ADL’s are bathing, eating, transferring, toileting, continence, and dressing.

We're Here to Help

Licensed long term care specialists are available to assist you in understanding the plan and rates.

Call (877) 286-2852

Apply Now

Take advantage of this benefit and safeguard your future tomorrow.