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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 ✔
Eqitable LTC 15 Years ✔ 90 days Percentage of face amount Indemnity ✔
Cincinnati 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 LTC Age 100   100 days Percentage of face amount Reimbursement  
Lincoln Financial 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 ✔