Long-Term Care Rider

An add-on that lets you tap a life policy’s death benefit early to pay for long-term care, so the money isn’t “wasted” if you never need care.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.