Three out of four Americans over the age of 50 report wanting to stay in their own homes as they age.¹ That’s why helping your life insurance clients prepare a comprehensive financial plan should include discussions about how John Hancock's Long-Term Care (LTC) rider — available with our permanent life insurance products — can help protect clients and their families from the consequences of informal caregiving. 

• Nearly 50 million Americans are providing personal assistance for family members with disabilities or other care needs²
• Many family caregivers taking care of aging parents report being in worse health compared to five years ago³
• Estimates indicate up to 70% of caregivers have clinically significant symptoms of depression⁴
• The national average for 24-hour home care or one year in a nursing home is more than $105,000⁵

Talk to your clients about how putting a long-term care plan in place today could help alleviate an enormous emotional, physical and financial toll on them and their families for years to come.