MetLife Long-Term Care Insurance (LTCI) Products - VIP2 and LifeStage Advantage^SM

LifeStage Advantage

MetLife LTC LifeStage Advantage is MetLife's newest long-term care insurance product. It combines simplicity, flexibility and affordability in product design which makes it easy to create a policy to fit virtually any client and budget. LifeStage Advantage offers the choice between two plans specifically designed for different life stages. (Currently available in AL, AK, AR, DE, DC, IA, IL, KS, KY, LA, ME, MI, MO, MS, ND, NE, NH, NM, OR, RI, SC, WV, and WY. State availability subject to change.)

Simple Advantage^SM - This plan is great if you are in the midst of your career, because it gives you the flexibility to get started with LTC Insurance now with a more affordable level of coverage and then add to it later - as often as every three years. Choose an initial total benefit amount between $75,000 and $500,000 and then have the option to purchase increases for up to double your original total benefit amount, without having to prove good health in order to purchase such an increase.

Custom Advantage^SM - This plan is great if you are getting ready to retire or are already retired. Custom Advantage helps you handle the cost of LTC whenever you many need it - with your choice of total benefit amount from $75,000 up to $1 million. In addition, you have the option to help your coverage stay current with the likely rising cost of care.

VIP2

Ideal Policy - The Ideal policy will help to provide the type of long-term care you need in the setting you want, including your home, Nursing Homes, Assisted Living Facilities and Hospice Facilities. If you would like to remain in your home, this policy provides features to make that transition more comfortable. The home health care supportive services will cover services such as shopping, laundry services, meal preparation, housekeeping and transportation. The Ideal Policy also includes a transition expense allowance which will help pay for home modifications and durable medical equipment. (Policy form series LTC2-IDEAL, in some states coverage is offered by the above referenced policy number followed by the states 2 letter abbreviation).

Value Policy - If you are looking for a long-term care insurance policy that will offer solid coverage at a good "value", the Value policy may be right for you. It can help you get the type of long-term care you may need, in the setting you want, including your home. This policy also offers the Indemnity rider, which will allow you to be paid your full Daily Benefit Amount every day a covered long-term care service is received, regardless of the cost of that service. (Policy form series LTC2-VAL, in some states coverage is offered by the above referenced policy number followed by the states 2 letter abbreviation).

Facilities-Only Policy - If your primary concern is to have long-term care insurance coverage for a catastrophic event, then the Facilities Only policy may be the right choice for you. It provides coverage only for care received in Assisted Living Facilities, Hospice Facilities, and Nursing Homes. This policy helps to protect you and your loved ones from the high costs associated with Facility care. (Policy form series LTC2-FAC, in some states coverage is offered by the above referenced policy number followed by the states 2 letter abbreviation. This policy is currently not available in GA, OR, PA, RI and VT. State availability subject to change.).

This advertisement describes MetLife Long-Term Care Insurance coverage which is underwritten by Metropolitan Life Insurance Company ("MetLife"). MetLife LTC Insurance is offered by LTC Solutions, an independent MGA licensed for MetLife. Product features and benefits do vary by state.

This website should be considered an advertisement and not a contract. The sole intent of this website is to gather information from the inquiry request and then contact the consumer to go over their specific needs.