--- title: Long-Term Care (LTC) Benefits - You Don't Lose Them If You Don't Use Them. description: Discover the benefits of Asset-Based Long-Term Care (LTC) with Guaranteed Premiums for lifelong coverage and financial security. image: https://synergyannuity.com/hubfs/Hand%20with%20marker%20writing%20Boost%20Your%20Business.jpeg --- [Skip to content](https://synergyannuity.com/news-you-can-use/long-term-care-ltc-benefits-you-dont-lose-them-if-you-dont-use-them#main-content) ![Synergy Logo-#](https://synergyannuity.com/hs-fs/hubfs/Synergy%20Logo-%23.png?width=150&height=101&name=Synergy%20Logo-%23.png) - [Home](https://synergyannuity.com/) - [About](https://synergyannuity.com/about) - [Contact](https://synergyannuity.com/contact) Open main navigation Close main navigation - [Home](https://synergyannuity.com/) - [About](https://synergyannuity.com/about) - [Contact](https://synergyannuity.com/contact) - [Contact us](https://synergyannuity.com/contact) [Contact us](https://synergyannuity.com/contact) Apr 16, 2024, 2:25:52 PM # Long-Term Care (LTC) Benefits - You Don't Lose Them If You Don't Use Them. ![Picture of Eric Estrada](https://synergyannuity.com/hs-fs/hubfs/EE%20Head%20shot%202.jpg?width=50&name=EE%20Head%20shot%202.jpg) [Eric Estrada](https://synergyannuity.com/news-you-can-use/author/eric-estrada) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://synergyannuity.com/news-you-can-use/long-term-care-ltc-benefits-you-dont-lose-them-if-you-dont-use-them) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://synergyannuity.com/news-you-can-use/long-term-care-ltc-benefits-you-dont-lose-them-if-you-dont-use-them) [Twitter icon](https://twitter.com/intent/tweet?url=https://synergyannuity.com/news-you-can-use/long-term-care-ltc-benefits-you-dont-lose-them-if-you-dont-use-them) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://synergyannuity.com/news-you-can-use/long-term-care-ltc-benefits-you-dont-lose-them-if-you-dont-use-them) [envelope icon](mailto:?body=https://synergyannuity.com/news-you-can-use/long-term-care-ltc-benefits-you-dont-lose-them-if-you-dont-use-them) As a financial advisor, you know that one of the most challenging aspects of your job is convincing clients to allocate funds towards long-term care insurance. It's not that your clients don't want the coverage - they do - but it's difficult to justify the expense of something they may never use. Fortunately, there is a solution - Asset-Based Long-Term Care (LTC) with Guaranteed Premiums paid for life. This type of coverage is a game-changer for your clients. It gives them the peace of mind of knowing that they are covered if they need long-term care, but also allows them to leave the death benefit or accumulated value to their estate if they don't use the LTC benefit. This is a win-win situation that your clients will love. But that's not all - your clients will also receive a guaranteed amount of life insurance that can be used for qualifying long-term care expenses. And the premium is credited with a guaranteed interest rate, which raises the cash value each month. This means that your clients will have even more funds available to them if they need long-term care down the line. So, as a financial advisor, you can confidently recommend Asset-Based Long-Term Care (LTC) with Guaranteed Premiums paid for life to your clients. It's a smart investment that will give them the coverage they need, while also providing them with additional financial benefits. Don't let your clients miss out on this opportunity - contact us today to learn more about this innovative new product. 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