CYCLE BENEFITS
The Long-Term Care Reality

# Most Americans Are
Unprepared

The numbers are eye-opening. The solution is simple.

The Facts You Need to Know

Long-term care is one of the most overlooked financial risks in retirement planning — yet the statistics are stark. Here's what the data says:

70%
of Americans age 65+ will need some form of long-term care during their lifetime
Cohen & Feder, Journal of Aging and Social Policy, 2018
$700B+
estimated annual U.S. long-term care cost nationally
O'Neill Hayes & Kurtovic, American Action Forum, 2020
2×
By 2050, adults over 65 will double — and those over 85 will triple
O'Neill Hayes & Kurtovic, American Action Forum, 2020
3–4%
Only 3–4% of Americans over 50 own a private LTC insurance plan
Rau & Aleccia, KFF Health News, 2023
80%
of total LTC spending goes directly to assist retirees
Favreault & Dey, Urban Institute
$470B
estimated annual value of unpaid care provided by friends and family
Favreault & Dey, Urban Institute
The Solution

## The Pay Yourself First Principle

Invest the first $1, $2, or $3 you make every day to protect the financial well-being of your future — with a Permanent Life Insurance policy that includes LTC & Chronic Care coverage.

$1
/ day
$2
/ day
$3
/ day
Coverage Included

## Two benefits in one policy

🛡️
Permanent Life Insurance
Tax-advantaged death benefit that builds cash value and lasts your entire lifetime.
🏡
LTC & Chronic Care
Living benefits you can use while alive — protecting savings and preserving dignity.