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Generation Protector: The Ultimate Home Care Policy

Introducing Generation Protector from Allianz Life, a Tax-Qualified LTCi policy for ages 18-84. Enjoy daily benefits up to $500 and flexible cash options. Stay protected and feel at home with Generation Protector.

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Generation Protector: The Ultimate Home Care Policy

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  1. Introducing Generation Protector You can feel right at home with Generation Protector For agent use only. Product availability and benefits may vary by state.

  2. The ultimate home care policy... Right now, you could be sitting in your future long term care facility. You may be sitting at your dining room table or relaxing in your favorite recliner. Or maybe you couldn’t sleep, so you’re sitting up in bed, reading. No matter what room you are in, you’re right where you belong - at home. Generation Protector from Allianz Life

  3. Generation Protector basics... • Product type: Tax Qualified LTCi • Issue ages: 18-84 (actual age) • Daily benefits: $100 - $500 a day ($10 increments) • HCC options: 70%, 100%, or 130% • Elimination periods: 7, 30, 60, 90, or 180 days • Benefit periods: 2, 3, 4, 5, 8 years or lifetime Product availability and benefits may vary by state

  4. Monthly cash benefit options... • You choose from $250 to $1,500 a month: • $250, $500, $750, $1,000, $1,250 or $1,500 • Cash can be used for any purpose: • Prescription drugs • Informal care • Anything not covered under the basic plan • Cash is a separate pool of money: • Paid in addition to your reimbursed expenses • Inflation riders increase both pools of money Product availability and benefits may vary by state

  5. Monthly cash benefit options... • How is the monthly cash accessed? • First the elimination period must be satisfied • Doctors certification under the TQ LTC policy language • One day of reimbursable care a month triggers the cash! Example: • $100 daily benefit and $1,500 monthly cash benefit • Reimburse up to $100 a day • Pays $1,500 of cash each month one day of care is received Product availability and benefits may vary by state

  6. The “Hybrid” approach • 61-year-old (preferred rating) Spousal discount • $150 daily benefit • $1,500 monthly indemnity benefit • 5-year benefit period • 90-day elimination period • Calendar day EP rider • 5% lifetime compound inflation $2,531 • 61-year-old (preferred rating) Spousal discount • $200 daily benefit • 5-year benefit period • 90-day elimination period • Calendar day EP rider • 5% compound inflation $2,441 The best of both worlds! Flexibility of Indemnity…Affordability of Reimbursement

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