Guide to Linked Benefit Riders
Guide to Linked Benefit Riders
Carrier Rider Type Max No Lapse Guarantee Waiver of Premium Elimination Period Payout Amount Payout Method Increasing Benefit Option
* no permanancy requirement
AIG Chronic Illness* Lifetime 90 days Lump sum or Percentage of face amount Indemnity
American National Chronic Illness Lifetime   90 days Discounted Death Benefit Indemnity  
Ameritas Chronic Illness* 15 years   90 days Lein Indemnity
Equitable Life & Casualty Insurance Company LTC 15 Years 90 days Percentage of face amount Indemnity
Cincinnati Life Insurance Company Chronic Illness Lifetime   0 days Percentage of face amount Indemnity
Columbus Life Insurance Chronic Illness Lifetime 90 days Lump sum 1-10 years Indemnity
John Hancock Life Insurance LTC Age 100   100 days Percentage of face amount Reimbursement  
Lincoln Financial Group Chronic Illness* Lifetime 90 days Percentage of face amount
or determined
Indemnity  
Minnesota Life Chronic Illness* Lifetime 90 days Percentage offace amount
or Discounted death
Indemnity  
Mutual of Omaha Chronic Illness* and LTC Age 85 90 days Discounted Death Benefit
or percentage of face amount
Indemnity and reimbursement
North American Company Chronic Illness Lifetime 90 days Discounted Death Benefit Indemnity
One America LTC Lifetime 30/60 days Percentage of face amount Reimbursement
Pacific Life Chronic Illness* Lifetime 90 days Percentage of face amount Indemnity  
Principal Chronic Illness Age 95   0 days Discounted Death Benefit Indemnity
Protective Chronic Illness* Lifetime 90 days Specified Amount Indemnity  
Prudential Chronic Illness* Lifetime 0 days Percentage of face amount Indemnity
Symetra Chronic Illness* Lifetime 90 days Lein or Percentage of face amount Indemnity
Transamerica LTC 15 years Rider Only 90 days Percentage of face amount Indemnity