- AIG QoL Flex: includes 3 free living benefits riders
- Ameritas DI: catastrophic DI rider that provides up to 100% of gross income if insured is unable to perform 2 of 6 ADLs.
- American National: accelerated benefit riders added to their Term and UL products at no cost
- AXA: LTC rider on permanent life policies
- John Hancock: Life Care rider on permanent products
- Lincoln National: MoneyGuard UL with LTC benefits. Options for 1 to 10 pay, excellent for asset reallocation of funds
- Minnesota Life: rider for a long term care agreement on an UL policy on an indemnity basis
- North America: chronic illness rider on UL products on an indemnity basis, no receipts required
- One America: Single Premium Whole Life and 20-pay WL with LTC benefits. Qualified money (IRA, 401k) can be transferred into the annuity linked to WL, providing LTC benefits
- Protective: ExtendCare optional rider on UL on an indemnity basis
- Prudential: Living Needs Benefits rider available on an indemnity basis
- Transamerica: TrendSetterLB - term product with Living Benefits rider