---
title: Three things that standalone LTC Insurance could learn from Life with LTC rider plans
description: There has been a lot of growth in the life with LTC insurance rider sales while stand alone LTC sales have been flat.  Here are three things that have been successful with life/LTC sales that may help stand alone sales:
---

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Jun 5, 2014 • [LTCI Partners](https://www.ltcipartners.com/blog/author/ltci-partners)

## Three things that standalone LTC Insurance could learn from Life with LTC rider plans

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There has been a lot of growth in the life with LTC insurance rider sales while stand alone LTC sales have been flat.  Here are three things that have been successful with life/LTC sales that may help stand alone sales:

1. **Bigger Initial Daily and Monthly Benefits.  **Although many life/LTC plans offer an automatic inflation rider, often coverage is simply a percentage of the death benefit, paying out a $500,000 death benefit over 25 months (a $20,000 monthly benefit.)  In many cases, it can make more sense to buy a very high monthly benefit than pay for 3 or 5% compound inflation in a stand alone policy.
2. **Calculating the benefit as a "pool of money" instead of "years of care." ** Another way the life/LTC plans position the LTC benefit is as a pool of money.  Some standalone LTC plans still require a calculation of that pool by multiplying a years of care figure by the monthly or daily benefit amount, an unncessary and confusing step.  Would you rather have access to a $250,000 pool of money or have a plan that pays $230 per day for 3 years?  $250K sounds more impressive.
3. **Avoiding the "use it or lose it" argument.  **Life plans with LTC riders, of course, will pay the full death benefit if you die without using your LTC accelerated benefit.  However, did you know you can add a life rider to an LTC policy?  The name carriers use for this feature, of course, is return of premium. 

## Written by [LTCI Partners](https://www.ltcipartners.com/blog/author/ltci-partners)

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