NYL SECURE CARE Robust long-term care coverage with NYL Secure Care

Find out more about New York Life Secure Care at newyorklife.com/secure-care-ca

¹You are eligible for benefits when you need continual substantial assistance with two or more of the activities of daily living: dressing, eating, continence, toileting, transferring (getting in and out of bed or chair), bathing; or you require substantial supervision because of severe cognitive impairment. These terms are defined in the policy.

²Home care can be provided by family members other than the policy owner’s partner. Care provided by family members requires use of the care plan benefit.

³Other than the insured’s partner. Care provided by family members requires use of care plan benefit.

⁴Dividends are not guaranteed. Not all participating policy owners are eligible for dividends. 

⁵At 100 times the facility maximum daily benefit per year until the amount of money paid for the eligible claim is reimbursed. Only lifetime maximum benefits will be affected.

⁶We reserve the right to increase rates on a class basis in the future.

⁷Premium payments are covered only while you are on claim and waiver of premium.

⁸The care plan benefit can be requested during the process of filing a claim.

⁹The policy lifetime maximum benefit and maximum daily benefit grow with any optional inflation protection added to the policy.

¹⁰Riders are available at an additional cost. Premiums and available benefits vary based on coverage levels and riders selected.

¹¹Partners must purchase identical policies. The shared pool will increase over time by any inflation factor chosen.

¹²The Consumer Price Index-Urban (CPI-U) purchase options inflation protection allows a policy owner to increase their benefits on an annual basis based on the prior-year’s change in the CPI-U rate. Offers to increase coverage are extended annually until/unless the policy owner has declined two previous coverage increase offers. Coverage increases change the policy premium on a move forward basis. The modified premium is based on the new, increased benefit level and also based on the policy owner’s current age.

The purpose of this material is solicitation of individual insurance. An insurance agent may contact you. Policy forms [ICC14-LTC6, LTC6, LTC6-U, LTC6 (NY), FLTC6 (NY)], and any state-specific, are issued by New York Life Insurance Company, New York, NY. These policies have exclusions and limitations. The amount of benefits and premium depend on the product options selected. Premiums vary by issue age. Underwriting approval is required to purchase coverage and a medical exam may be required. The company reserves the right to increase premiums in the future. For costs and complete details of the coverage, contact your agent or the company.

This material may not provide complete details regarding all features and benefits offered by a NYL Secure Care policy. In all cases, actual policy language will govern the administration of the contract. Benefits may vary by state. Check with your agent for specifics.

ICC23-5594717

¹You are eligible for benefits when you need continual substantial assistance with two or more of the activities of daily living: dressing, eating, continence, toileting, transferring (getting in and out of bed or chair), bathing; or you require substantial supervision because of severe cognitive impairment. These terms are defined in the policy.

²Home care can be provided by family members other than the policy owner’s partner. Care provided by family members requires use of the care plan benefit.

³Other than the insured’s partner. Care provided by family members requires use of care plan benefit.

⁴Dividends are not guaranteed. Not all participating policy owners are eligible for dividends. 

⁵At 100 times the facility maximum daily benefit per year until the amount of money paid for the eligible claim is reimbursed. Only lifetime maximum benefits will be affected.

⁶We reserve the right to increase rates on a class basis in the future.

⁷Premium payments are covered only while you are on claim and waiver of premium.

⁸The care plan benefit can be requested during the process of filing a claim.

⁹The policy lifetime maximum benefit and maximum daily benefit grow with any optional inflation protection added to the policy.

¹⁰Riders are available at an additional cost. Premiums and available benefits vary based on coverage levels and riders selected.

¹¹Partners must purchase identical policies. The shared pool will increase over time by any inflation factor chosen.

¹²The Consumer Price Index-Urban (CPI-U) purchase options inflation protection allows a policy owner to increase their benefits on an annual basis based on the prior-year’s change in the CPI-U rate. Offers to increase coverage are extended annually until/unless the policy owner has declined two previous coverage increase offers. Coverage increases change the policy premium on a move forward basis. The modified premium is based on the new, increased benefit level and also based on the policy owner’s current age.

The purpose of this material is solicitation of individual insurance. An insurance agent may contact you. Policy form LTC6 (CA) is underwritten by New York Life Insurance Company, New York, NY. These policies have exclusions and limitations. The amount of benefits and premium depend on the product options selected. Underwriting approval is required to purchase coverage and a medical exam may be required. Premiums vary by issue age. The company reserves the right to increase premiums in the future. For costs and complete details of the coverage, contact your agent or the company.

This material may not provide complete details regarding all features and benefits offered by a NYL Secure Care policy. In all cases, actual policy language will govern the administration of the contract. Benefits may vary by state. Check with your agent for specifics.

5594717 (CA)

¹You are eligible for benefits when you need continual substantial assistance with two or more of the activities of daily living: dressing, eating, continence, toileting, transferring (getting in and out of bed or chair), bathing; or you require substantial supervision because of severe cognitive impairment. These terms are defined in the policy.

²Home care can be provided by family members other than the policy owner’s partner. Care provided by family members requires use of the care plan benefit.

³Other than the insured’s partner. Care provided by family members requires use of care plan benefit.

⁴Dividends are not guaranteed. Not all participating policy owners are eligible for dividends. 

⁵At 100 times the facility maximum daily benefit per year until the amount of money paid for the eligible claim is reimbursed. Only lifetime maximum benefits will be affected.

⁶We reserve the right to increase rates on a class basis in the future.

⁷Premium payments are covered only while you are on claim and waiver of premium.

⁸The care plan benefit can be requested during the process of filing a claim.

⁹The policy lifetime maximum benefit and maximum daily benefit grow with any optional inflation protection added to the policy.

¹⁰Riders are available at an additional cost. Premiums and available benefits vary based on coverage levels and riders selected.

¹¹Partners must purchase identical policies. The shared pool will increase over time by any inflation factor chosen.

¹²The Consumer Price Index-Urban (CPI-U) purchase options inflation protection allows a policy owner to increase their benefits on an annual basis based on the prior-year’s change in the CPI-U rate. Offers to increase coverage are extended annually until/unless the policy owner has declined two previous coverage increase offers. Coverage increases change the policy premium on a move forward basis. The modified premium is based on the new, increased benefit level and also based on the policy owner’s current age.

The purpose of this material is solicitation of individual insurance. An insurance agent may contact you. Policy form LTC6 (NY) is issued by New York Life Insurance Company, New York, NY. These policies have exclusions and limitations. The amount of benefits and premium depend on the product options selected. Premiums vary by issue age. Underwriting approval is required to purchase coverage and a medical exam may be required. The company reserves the right to increase premiums in the future. For costs and complete details of the coverage, contact your agent or the company.

This material may not provide complete details regarding all features and benefits offered by a NYL Secure Care policy. In all cases, actual policy language will govern the administration of the contract. Benefits may vary by state. Check with your agent for specifics.

5594717 (NY)

¹You are eligible for benefits when you need continual substantial assistance with two or more of the activities of daily living: dressing, eating, continence, toileting, transferring (getting in and out of bed or chair), bathing; or you require substantial supervision because of severe cognitive impairment. These terms are defined in the policy.

²Home care can be provided by family members other than the policy owner’s partner. Care provided by family members requires use of the care plan benefit.

³Other than the insured’s partner. Care provided by family members requires use of care plan benefit.

⁴Dividends are not guaranteed. Not all participating policy owners are eligible for dividends. 

⁵At 100 times the facility maximum daily benefit per year until the amount of money paid for the eligible claim is reimbursed. Only lifetime maximum benefits will be affected.

⁶We reserve the right to increase rates on a class basis in the future.

⁷Premium payments are covered only while you are on claim and waiver of premium.

⁸The care plan benefit can be requested during the process of filing a claim.

⁹The policy lifetime maximum benefit and maximum daily benefit grow with any optional inflation protection added to the policy.

¹⁰Riders are available at an additional cost. Premiums and available benefits vary based on coverage levels and riders selected.

¹¹Partners must purchase identical policies. The shared pool will increase over time by any inflation factor chosen.

¹²The Consumer Price Index-Urban (CPI-U) purchase options inflation protection allows a policy owner to increase their benefits on an annual basis based on the prior-year’s change in the CPI-U rate. Offers to increase coverage are extended annually until/unless the policy owner has declined two previous coverage increase offers. Coverage increases change the policy premium on a move forward basis. The modified premium is based on the new, increased benefit level and also based on the policy owner’s current age.

The purpose of this material is solicitation of individual insurance. An insurance agent or advisor may contact you. Policy form LTC6.1 (FL) is issued by New York Life Insurance Company, New York, NY. These policies have exclusions and limitations. Underwriting approval is required to purchase coverage and a medical exam may be required. The amount of benefits and premium depend on the product options selected. Premiums vary by issue age, gender, and underwriting risk class. The policy cannot be canceled, non-renewed, or otherwise terminated on the grounds of age or deterioration of your physical or mental health. The company reserves the right to increase premiums in the future. To be eligible for long-term care benefits, the insured must be a chronically ill individual with qualified long-term care services provided pursuant to a plan of care prescribed by a licensed health care practitioner. For costs and complete details of the coverage, contact your agent, advisor, or the company.

This material may not provide complete details regarding all features and benefits offered by a NYL Secure Care policy. In all cases, actual policy language will govern the administration of the contract. Benefits may vary by state. Check with your agent for specifics.

5594717 (FL)

¹You are eligible for benefits when you need continual substantial assistance with two or more of the activities of daily living: dressing, eating, continence, toileting, transferring (getting in and out of bed or chair), bathing; or you require substantial supervision because of severe cognitive impairment. These terms are defined in the policy.

²Home care can be provided by family members other than the policy owner’s partner. Care provided by family members requires use of the care plan benefit.

³Other than the insured’s partner. Care provided by family members requires use of care plan benefit.

⁴Dividends are not guaranteed. Not all participating policy owners are eligible for dividends. 

⁵At 100 times the facility maximum daily benefit per year until the amount of money paid for the eligible claim is reimbursed. Only lifetime maximum benefits will be affected.

⁶We reserve the right to increase rates on a class basis in the future.

⁷Premium payments are covered only while you are on claim and waiver of premium.

⁸The care plan benefit can be requested during the process of filing a claim.

⁹The policy lifetime maximum benefit and maximum daily benefit grow with any optional inflation protection added to the policy.

¹⁰Riders are available at an additional cost. Premiums and available benefits vary based on coverage levels and riders selected.

¹¹Partners must purchase identical policies. The shared pool will increase over time by any inflation factor chosen.

¹²The Consumer Price Index-Urban (CPI-U) purchase options inflation protection allows a policy owner to increase their benefits on an annual basis based on the prior-year’s change in the CPI-U rate. Offers to increase coverage are extended annually until/unless the policy owner has declined two previous coverage increase offers. Coverage increases change the policy premium on a move forward basis. The modified premium is based on the new, increased benefit level and also based on the policy owner’s current age.

¹³A ‘Partner’ is another individual who resides in the same Home with Insured and shares living expenses; and with whom the insured is: legally married; in a committed relationship that has been documented in a valid certificate, license, civil union, or domestic partnership that exhibits an intent to remain in a lifelong relationship, or in a committed domestic relationship for the most recent 3 years and that relationship is intended to be lifelong. Insured and their Partner must not be: in any other legally recognized or committed relationship with another individual; separated or divorced at the time they applied for this Policy; or related in any way that would prohibit marriage in the state where they live. Discount can only be added up to twelve months after policy issue.

The purpose of this material is solicitation of individual insurance. An insurance agent or advisor may contact you. Policy form LTC6.1 (FL) is issued by New York Life Insurance Company, New York, NY. These policies have exclusions and limitations. Underwriting approval is required to purchase coverage and a medical exam may be required. The amount of benefits and premium depend on the product options selected. Premiums vary by issue age, gender, and underwriting risk class. The policy cannot be canceled, non-renewed, or otherwise terminated on the grounds of age or deterioration of your physical or mental health. The company reserves the right to increase premiums in the future. To be eligible for long-term care benefits, the insured must be a chronically ill individual with qualified long-term care services provided pursuant to a plan of care prescribed by a licensed health care practitioner. For costs and complete details of the coverage, contact your agent, advisor, or the company.

This material may not provide complete details regarding all features and benefits offered by a NYL Secure Care policy. In all cases, actual policy language will govern the administration of the contract. Benefits may vary by state. Check with your agent for specifics.

5594717 (MT)