In the past, when a Baby Boomer under age 65 bought a policy, they were not expecting to see the benefits until their eighties. For example, someone age 56 bought a policy worth $365,000 in total benefits. They were not expecting to use the benefits until they reached their 80s.

But health and longevity are unpredictable. Just ask someone who either has a stroke, is diagnosed with multiple sclerosis, or early-onset Alzheimer's while they are in mid-career. Consider this example: a policyholder buys LTC insurance at age 56. That year, he suffers a stroke as a complication to elective knee surgery. He has a legitimate claim against his LTC insurance policy and would use up his benefits at a much younger age than intended --- $365,000 divided by $73,000 ($200 dollars a day benefit) in five years.

With the Value Rider in the Security Advantage™ product, the policy's pool of money increases, from $365,000 to $1.4 million, (the value his policy would be worth at age 85, after inflation benefits compounded over the years.) The rider is structured to provide full accessibility to the greatest amount of benefit that the policy is structured to provide regardless of when the need arises.

The typical 57-year-old has not yet finished saving for retirement, is in his or her greatest income-producing years, and may have children in college. LTC payments from the Value Rider will allow him to stay at home. This can give a spouse the option to continue working or to return to work, instead of being the primary caregiver.

Everyone agrees that including a lifetime benefit on an LTC insurance policy is optimal, but many consumers cannot afford such a policy. Lifetime benefit period policies are, of course, much more expensive than a typical limited benefit period policy; for example, with a two year benefit period or a five-year benefit period. The Value Rider gives Baby Boomer customers buying limited benefit (less than lifetime) policies the peace of mind that, should an early claim arise, they will receive up to four times what an ordinary LTC insurance policy would provide.