West Coast Life UL With ExtendCare Rider

West Coast Life LifeTime Platinum III UL with the optional ExtendCare Rider allows the client to accelerate up to 100% of their death benefit in the event the insured becomes chronically ill and qualifies for the benefit.

ExtendCare Rider Highlights:

• Indemnity Payment Method allows Benefit Payments to be made directly to the policyowner
• Tax Status 101(g)
• The client has the option to pay a single premium or pay premiums up to lifetime
• There are Five Underwriting classes offered
• Substandard ratings are available up to table 4
• With the ExtendCare rider, the Maximum Face Amount is $5 million on the base policy
• No Health Care Licensing or additional CE training required to sell ExtendCare

Product Overview

ExtendCare vs. the competition

Talking Points

Frequently Asked Questions