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ForeCare is a single premium deferred annuity with Long-Term Care Benefits and may include a market value adjustment. The initial minimum contribution is $35,000 for Single and Joint (Standard and Premier), Net of any Optional rider charges if elected (state variations apply).

Premium amount:
  • Single $35,000–$400,000
  • Joint $35,000–$600,000
Issue ages
Ages: Insured 50-80, Owner/Annuitant 0-85.
Ownership may be single or joint, insured must be the owner and/or the owner’s spouse. If the Owner is not a living person, then the Owner must be a Grantor Trust and the Insured(s) must be the grantor or Spouse of the grantor. If the Owner is not a living person, an Insured must be the Annuitant or the Spouse of the Annuitant.

Optional Benefits:
  • Long-Term Care Benefits
  • Optional Nonforfeiture Benefit
  • Optional Inflation Protection Benefit
Long Term Care
10% of the beginning of year Contract Value can be withdrawn each year without incurring Withdrawal Charges, except in any year where a full surrender occurs. Long term care benefit claims will reduce the amount available for the 10% Free Withdrawals.

Systematic withdrawals are an option
Surrender charges nine years in duration (8, 8, 7, 6, 5, 4, 3, 2, 1) and are waived when Long-Term Care Benefits are payable for that covered Service under the following benefits: 
  1. The Home Health Care Services; 
  2. The Assisted Living Facility Services; 
  3. The Nursing Home Facility Services; or 
  4. The Bed Reservation Services. 
Withdrawals and taxable distributions may be subject to ordinary income tax and if made prior to age 59 1/2, may also be subject to a 10% federal income tax penalty. Early surrender charges may also apply. Guarantees based on claims paying ability of insurer. Products / features may not be available in all states. This is an annuity contract issued by an insurance company and not a bank product protected by the FDIC.

Free Withdrawals
  • The free withdrawal amount is 10% of the beginning-of-year contract value (except in year of full surrender). (State variations apply. )
  • Withdrawals, other than for qualified long-term care expenses, will adversely affect the amount of coverage for long-term care benefits in the future. 
  • Charges and MVAs are waived when withdrawals are made for qualified long-term care reimbursements. 

Traditional Fixed Annuity Interest Rates

Surrender Years First Year Yield Term Guaranteed Yield Term Current Yield
9 4.5% 1.39% 4.5%


Name Inbuilt Fee
Long-Term Care Benefits Yes

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