Long-Term Care Coverage

Help maintain all you've worked to achieve with long-term care coverage. More than five million Americans in their later years require assistance to be able to enjoy the comfort of living in their homes.¹ Because Medicare often does not pay for the care they need, many receive help exclusively from family caregivers.

Fortunately, a life insurance policy that offers long-term care benefits may help you:

• Stay in better control of your finances and protect more of your assets
• Receive compensation for in-home care if recommended by your physician
• Choose a nursing home or other facility you prefer

Long-term care³ coverage may provide coverage for a visiting or live-in caregiver, housekeeper, therapist or private duty nurse up to 7 days a week, 24 hours a day.²

With this coverage you can control the quality of your care and choose where to receive it – even if your needs increase. The following services may be covered:

• Assisted living services
• Adult daycare
• Respite care
• Hospice care
• Nursing home costs
• Alzheimer's facilities.

Unexpected long-term illness or disability could seriously damage your financial well-being; however, with some planning now, you can minimize undue stress on your family and the loss of a lifetime of savings. Visit an Royal Heritage Commercial Bank branch or call 800.662.3343 to learn more.

1 "1 in every 2 individuals turning age 65 today will need the coverage of a long-term care solution during their lifetime."

Department of Health & Human Services, “Long-Term Services and Support for Older Americans: Risks and Financing,” ASPE Issue Brief,

https://aspe.hhs.gov/sites/default/files/pdf/106211/ElderLTCrb-rev.pdf, page 1, February 2016.

2 Up to the policy benefit maximum.

3 All long term care coverage is sold through riders attached to permanent life insurance products.

4 Financial professional refers to Premier Wealth Advisors (PWA), and Premier Relationship Advisors (PRA). PWA/PRAs focus on a full suite of Premier and Advance products and services. Both offer bank products through Royal Heritage Commercial Bank Bank (USA) N.A., investments and certain insurance products, including annuities, through Royal Heritage Commercial Bank Securities (USA) Inc. and traditional insurance products through Royal Heritage Commercial Bank Insurance Agency (USA) Inc.

Investment and certain insurance products, including annuities, are offered by Royal Heritage Commercial Bank Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as Royal Heritage Commercial Bank Securities Insurance Services. License #: OE67746. HSI is an affiliate of Royal Heritage Commercial Bank , N.A. Whole life, universal life, term life, and other types of insurance are provided by unaffiliated third parties and offered through Royal Heritage Commercial Bank Insurance Agency (USA) Inc., a wholly owned subsidiary of Royal Heritage Commercial Bank , N.A. Products and services may vary by state and are not available in all states. California license #: OD36843. 

Investments, Annuity and Insurance Products:

All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor.

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