{"id":3815,"date":"2019-07-03T21:26:23","date_gmt":"2019-07-03T21:26:23","guid":{"rendered":"https:\/\/ffbenefits.ffga.com\/willisisd\/long-term-care-insurance\/"},"modified":"2026-08-31T13:20:41","modified_gmt":"2026-08-31T13:20:41","slug":"term-to-100-life-insurance","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/willisisd\/term-to-100-life-insurance\/","title":{"rendered":"Term to 100 Life Insurance"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-nbt8a0-c21cca150267ad693ab4ff7317097770\">\n.flex_column.av-nbt8a0-c21cca150267ad693ab4ff7317097770{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-nbt8a0-c21cca150267ad693ab4ff7317097770 av_one_full  avia-builder-el-0  el_before_av_three_fifth  avia-builder-el-first  first flex_column_div av-zero-column-padding  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m6y914-28aa715bb1991ff2f6f606d0863eec49\">\n.avia-image-container.av-m6y914-28aa715bb1991ff2f6f606d0863eec49 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-m6y914-28aa715bb1991ff2f6f606d0863eec49 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-m6y914-28aa715bb1991ff2f6f606d0863eec49 av-styling- avia_animated_image av-animated-when-visible-95 right-to-left avia-align-center  avia-builder-el-1  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-3840 avia-img-lazy-loading-not-3840 avia_image ' src=\"https:\/\/ffbenefits.ffga.com\/willisisd\/wp-content\/uploads\/sites\/331\/2026\/08\/Term-to-100-Life-Benner.png\" alt='' title='Term-to-100-Life-Benner'  height=\"202\" width=\"1500\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/ffbenefits.ffga.com\/willisisd\/wp-content\/uploads\/sites\/331\/2026\/08\/Term-to-100-Life-Benner.png 1500w, https:\/\/ffbenefits.ffga.com\/willisisd\/wp-content\/uploads\/sites\/331\/2026\/08\/Term-to-100-Life-Benner-300x40.png 300w, https:\/\/ffbenefits.ffga.com\/willisisd\/wp-content\/uploads\/sites\/331\/2026\/08\/Term-to-100-Life-Benner-1030x139.png 1030w, https:\/\/ffbenefits.ffga.com\/willisisd\/wp-content\/uploads\/sites\/331\/2026\/08\/Term-to-100-Life-Benner-768x103.png 768w, https:\/\/ffbenefits.ffga.com\/willisisd\/wp-content\/uploads\/sites\/331\/2026\/08\/Term-to-100-Life-Benner-705x95.png 705w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/div><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-k7x8k8-a4d3be7928e4b4c67902687dee2b9416\">\n.flex_column.av-k7x8k8-a4d3be7928e4b4c67902687dee2b9416{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-k7x8k8-a4d3be7928e4b4c67902687dee2b9416 av_three_fifth  avia-builder-el-2  el_after_av_one_full  el_before_av_two_fifth  first flex_column_div av-zero-column-padding  column-top-margin'     ><section  class='av_textblock_section av-iyd5co-43283e157d8c03098a0e9a8e76caa06c '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><h3><b><i>Term to 100 life insurance is a permanent coverage plan that lasts until age 100 level premiums the entire time.<\/i><\/b><\/h3>\n<p class=\"x_xmsonormal\"><b><i>How It Works<\/i><\/b><i><\/i><\/p>\n<ul type=\"disc\">\n<li class=\"x_MsoNormal\"><b><i>Guarantee Issue (One Time)!<\/i><\/b><i>: During your initial eligibility you are eligible to enroll under a Guarantee Issue offering meaning you do not have to answer any health questions or take any medical exams!<\/i><i><\/i><\/li>\n<li class=\"x_MsoNormal\"><b><i>Lifelong Protection:<\/i><\/b><i> The policy provides a lump sum death benefit and level premiums all the way to age 100!<\/i><\/li>\n<li class=\"x_MsoNormal\"><b><i>Issue Age:<\/i><\/b><i> Once you enroll you are locked in to the age band you enrolled under, meaning your rate will not increase even as you change age bands.<\/i><\/li>\n<li class=\"x_MsoNormal\"><b><i>Death Benefit:<\/i><\/b><i> When you pass away, your beneficiaries receive a lump-sum cash payout.<\/i><\/li>\n<\/ul>\n<p class=\"x_xmsonormal\"><i>\u00a0<\/i><i>A life insurance policy with a long-term care (LTC) rider allows you to access a portion of your death benefit early to pay for qualifying medical and living care costs.<\/i><\/p>\n<p class=\"x_xmsonormal\"><b><i>How a Long-Term Care Rider Works<\/i><\/b><i><\/i><\/p>\n<ul type=\"disc\">\n<li class=\"x_MsoNormal\"><b><i>Long Term Care Rider:<\/i><\/b><i> If you qualify as requiring long term care (meaning you cannot perform a minimum of 2 of the 6 ADL\u2019s and are medically chronically ill \u2013 or activities of daily living) you could be eligible to receive 6% of your death benefit per month for up to 34 months (or you could request a lump sum payment in lieu of the monthly payments) to cover costs associated with licensed health care needs.<\/i><i><\/i><\/li>\n<li class=\"x_MsoNormal\"><b><i>Waiver of Premium:<\/i><\/b><i> While you are receiving the LTC benefits your premiums are waived.<\/i><\/li>\n<li class=\"x_MsoNormal\"><b><i>PreX:<\/i><\/b><i> This does include a 6\/6 pre-existing condition limitation.<\/i><\/li>\n<li class=\"x_MsoNormal\"><b><i>90 Day Elimination:<\/i><\/b><i> You must be certified chronically ill for a minimum of 90 days before the benefits would start to pay.<\/i><\/li>\n<\/ul>\n<\/div><\/section><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-eenl54-e4273db9a4eff7587958417df362c38d\">\n.flex_column.av-eenl54-e4273db9a4eff7587958417df362c38d{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-eenl54-e4273db9a4eff7587958417df362c38d av_two_fifth  avia-builder-el-4  el_after_av_three_fifth  avia-builder-el-last  flex_column_div av-zero-column-padding  column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bx2hqw-e0456cae415d79a6f6894659fd48a8d1\">\n.iconbox.av-bx2hqw-e0456cae415d79a6f6894659fd48a8d1 .iconbox_icon{\nbackground-color:#c42032;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-bx2hqw-e0456cae415d79a6f6894659fd48a8d1  avia-builder-el-5  el_before_av_iconlist  avia-builder-el-first  main_color'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\" aria-label=\"Icon: The Standard\"><div class='iconbox_icon heading-color avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='phone' data-av_iconset='svg_entypo-fontello' ><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"26\" height=\"32\" viewBox=\"0 0 26 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-1' aria-describedby='av-svg-desc-1' role=\"graphics-symbol\">\n<title id='av-svg-title-1'>The Standard<\/title>\n<desc id='av-svg-desc-1'>The Standard<\/desc>\n<path d=\"M14.752 17.92q5.184-5.184 3.776-6.592l-0.256-0.256q-0.96-0.96-1.312-1.536t-0.128-1.728 1.568-2.816q0.64-0.768 1.184-1.248t1.12-0.512 0.96-0.032 0.928 0.416 0.768 0.576 0.832 0.8 0.672 0.704q1.536 1.536-0.192 6.208t-6.528 9.408q-4.8 4.8-9.44 6.56t-6.176 0.224q-0.064-0.064-0.736-0.704t-0.8-0.8-0.576-0.768-0.416-0.992 0.064-0.96 0.48-1.12 1.216-1.184q1.344-1.088 2.24-1.504t1.728-0.064 1.12 0.576 1.248 1.184q1.408 1.408 6.656-3.84z\"><\/path>\n<\/svg><\/div><h3 class='iconbox_content_title '  itemprop=\"headline\" ><a href='http:\/\/www.metlife.com' title='The Standard'  target=\"_blank\"  rel=\"noopener noreferrer\" >The Standard<\/a><\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><p><a href=\"http:\/\/www.standard.com\">www.standard.com<\/a><\/p>\n<p>800.521.3535<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f\">\n#top .avia-icon-list-container.av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f .iconlist_icon{\ncolor:#ffffff;\nbackground-color:#c42032;\n}\n#top .avia-icon-list-container.av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f .iconlist_icon svg:first-child{\nstroke:#ffffff;\nfill:#ffffff;\n}\n<\/style>\n<div  class='avia-icon-list-container av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f  avia-builder-el-6  el_after_av_icon_box  avia-builder-el-last '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-jv9m4793-506a767ece1d2cdc3c0bd75ab31e8a9f avia-iconlist-animate'>\n<li><div class='iconlist_icon av-4cwf3c-7078c00bb6884e6e0fed1f1a7ddb4f77 avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue81f' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: PLAN INFORMATION\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >PLAN INFORMATION<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p><a href=\"https:\/\/ffbenefits.ffga.com\/willisisd\/wp-content\/uploads\/sites\/331\/2026\/08\/Term-to-100-Life-Brochure.pdf\" target=\"_blank\" rel=\"noopener\">Term to 100 Life Brochure<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-1en14-58dc16a4b380e7d029f7a926ef13b786 avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue811' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry av-iconlist-empty\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: Claim Forms\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Claim Forms<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/p><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":129,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3815","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ffbenefits.ffga.com\/willisisd\/wp-json\/wp\/v2\/pages\/3815","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ffbenefits.ffga.com\/willisisd\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ffbenefits.ffga.com\/willisisd\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/willisisd\/wp-json\/wp\/v2\/users\/129"}],"replies":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/willisisd\/wp-json\/wp\/v2\/comments?post=3815"}],"version-history":[{"count":0,"href":"https:\/\/ffbenefits.ffga.com\/willisisd\/wp-json\/wp\/v2\/pages\/3815\/revisions"}],"wp:attachment":[{"href":"https:\/\/ffbenefits.ffga.com\/willisisd\/wp-json\/wp\/v2\/media?parent=3815"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}