Fortify your finances for the unexpected.

ForeCareSM Fixed Annuity

ForeCare offers a better, more tailored strategy for the 73% of annuity owners who identify their annuity as a means of "self-insuring" against the threat of long-term care expenses.1  ForeCare is an innovative fixed annuity that incorporates a long-term care benefit to help you avoid financial hardship in the event of a health crisis that requires long-term care.

With ForeCare, you get all of the benefits of a fixed annuity, such as income options, tax-deferral and a death benefit that passes any remaining contract value directly to your named beneficiary at death. Plus, you get financial protection at two- or three-times the contract value for long-term care expenses.*

In order to provide these benefits, ForeCare contracts require a simple qualification process.

To find out more about ForeCare as a potential alternative for long-term care expenses, talk with your financial representative.

ForeCare contracts offer:

  • Two- or three-times the contract value (determined through underwriting) for qualified long-term care expenses*
  • Contract value will not reduce for long-term care protection charges, even if the charge exceeds the interest credited.
  • Guaranteed minimum interest crediting
  • A death benefit that passes remaining contract value to beneficiaries, so it’s not lost if it’s not needed for long-term care expenses or income


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1 The Committee of Annuity Insurers, Survey of Owners of Non-Qualified Annuity Contracts. The Gallup Organization and Mathew Greenwald & Associates, 2009.