Individual Long-Term Care Insurance

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Advantages of the Individual Long-Term Care Insurance Offering

The LifeSecure program offers Simplified Underwriting which is a unique to employees and actively-at-work spouses/partners. Simplified Underwriting is considerably less underwriting than what you could obtain on the individual marketplace. Applies to new hires only.  Existing employees and their spouse/partner may apply at anytime through full underwriting.

The LifeSecure Individual Long-Term Care Insurance program offers discounted gender neutral rates. Coverage obtained outside of your employer will be gender rated.

Eligible new career employees can apply with simplified underwriting during the first 90 days of consecutive employment. If an application is submitted after your eligibility period, full medical underwriting is required to obtain coverage.  

Simplified Underwriting (Applies to New Hires Only)

Discounted Rates

New Employee Eligibility

Current Prudential Insured

This website is for illustrative purposes only and is not a contract. It is intended only to provide a general overview of the product and services. Availability of benefits, amounts, options and discounts may vary by state. Only the insurance policy can give actual coverage amounts, terms, conditions, limitations and exclusions. 

*LifeSecure and the logo are trademarks of LifeSecure Insurance Company, Brighton, MI. Click here for more information.

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(844) 235-3344 to talk with a LTCI Counselor
(888) 825-8395 for basic LTCI Questions
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