LTC and Disability Products

Long Term Care Insurance

Long-Term Care products available through owR offer clients a wide range of policy designs and features to provide care options for:


The policies available offer a broad spectrum of features, including enhancements supporting home health care, flexible inflation protection options, guaranteed purchase options. Policies also offer those services that have become standard in the long-term care industry, such as bed reservation, respite care benefits, and spousal and good health discounts.

We also offer a selection of linked benefit products and traditional life insurance with long-term care riders to meet all of your clients' needs.

Please view this movie to help you increase your long-term care insurance sales. It tells the story of the necessity for long-term care in the context of preserving one's retirement nest egg. This movie is designed to be shared with clients and has been approved by FINRA.

Disability Insurance

Disability Income Protection policies available through owR can be purchased on either a non-cancelable or guaranteed renewable premium rate basis. A broad array of policy features to costumize protection to your individual client's needs are available, including conditional renewability to age 75 if working full-time, residual benefits, recovery (return to work) benefits, future insurability options, COLA riders, own occupation extensions, social insurance offset, and a variety of supplemental monthly benefits. Coverage is available, though not every policy feature is available at every underwriting or occupational level, for a wide range of underwriting risk classes and situations.