LifeStage ^Company

By changing from life insurance during working years, when consumers are more interested in that protection, to LTC later in life, when that coverage is more relevant, LifeStage provides the financial protection consumers need, when they need and want it most. Because consumers purchase the protection during their working years, they lock in their premiums at younger ages and as such, pay as much as 50% less than if they waited to buy until age 65. For simplicity sake, the benefit levels and premiums are designed to stay the same for both the term life insurance and the LTC coverage, dramatically simplifying the consumer purchase decision. By providing both life and LTC protection in one product, Lifestage provides two benefits helping address the issue of low perceived value for traditional LTC.