universal-life-policy-with-indemnity-ltc-rider-ownedby-an-ilit

Universal Life Policy With Indemnity LTC Rider Owned By An ILIT

The use of an Indemnity LTC Rider is crucial to keep the life insurance death benefit estate tax free. That’s because any rider benefits will be paid only to the ILIT as policy owner, and NOT used to pay extended care costs directly to the extended care provider. Since LTC benefit claims are paid only […]