You have clients looking for an alternative to Long-Term Care (LTC) insurance. They are healthy and active today, but don't want to burden their loved ones someday in the future when they may need additional (and expensive!) care. But they also don't want to pay the high cost of Long-Term Care insurance, and take the "use it or lose it" risk associated with traditional LTC products.

TheExtendCare ridercan help your clients take control of their future care through life insurance that offersoptional coverage in the event of a chronic illness.As an optional rider on the LifeTime Platinum III, the ExtendCarerider increases the policy's flexibility by allowing up to 100% of the death benefit to be accelerated in the event the insured becomes chronically ill and qualifies for the benefit.

Unlike a traditional stand alone Long-Term Care (LTC) policy, if the insured doesn't utilize the accelerated benefits under theExtendCarerider, the death benefit will still pass to their beneficiaries upon the insured's death.

Next time you face a situation like this, choose ExtendCare Rider as your "lure"...

The Hook:
 Jack is 57, Male Preferred Non-Tobacco, successful executive with a fortune 500 company concerned about:

• Long term protection for his family
• Rising costs of chronic illness care

Jack decides to purchase a $3M LifeTime Platinum III with the new ExtendCare Chronic Illness Rider.

Benefits:

• Acquired $3M of guaranteed UL protection
• Coverage for potential chronic illness
• Elected $8500/month benefit
• If he doesn't use the ExtendCare option, his life insurance still passes income tax free to heirs

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• Jack adds $3M in chronic illness coverage for only 4.8% increase in cost!

In the vast sea of life insurance products, it's often hard to make the right catch for your client. Next time you're poised to reel in a big case, why notGo Fish with West Coast Life?Addressing a wide range of complex client concerns, our innovative products and riders are just the right lures to help you catch the next big one!