Why This Matters

53 million Americans are currently providing unpaid care for a loved one. Planning ahead for long-term care needs isn't just smart — it's one of the most meaningful financial decisions you can make for your family. This benefit combines life insurance protection with a long-term care rider in a single, affordable policy.

Product Highlights

• Guaranteed Issue — No Medical Questions. Eligible members can enroll without health underwriting during the initial enrollment period. No exams, no health history required.
• Dual Purpose Coverage in One Policy. Life insurance death benefit combined with an Accelerated Death Benefit rider for Long-Term Care — two protections in one premium.
• Guaranteed Level Premiums to Age 100. Rates are locked at your issue age and guaranteed never to increase, making budgeting simple and predictable.
• Portable Coverage. This policy stays with you at the same rate even if you retire, change employers, or leave the association.
• Restoration of Benefits. After using your LTC benefit, the death benefit is restored to its original amount.
• Spouse/Partner Coverage Available. Spouses (ages 18–70) may also enroll for up to $30,000 in guaranteed issue coverage under a separate certificate.
• No medical underwriting — Guaranteed Issue means most members qualify regardless of health history, provided they are actively at work 20 or more hours per week between the ages of 18 and 70 today.
• Indemnity payout — No receipts required; benefits paid directly to you when a claim is triggered

Next Steps

Enrollment opens in August for eligible ISDS members. In the meantime, we encourage you to learn more. Don't miss the guaranteed issue window — late entrants will require Evidence of Insurability.

Visit enroll.buddyins.com/isds to:

• Review the full Benefits Summary
• Use the Build Your Benefit Calculator to determine a coverage level that works for you
• Schedule a call with a specialist

Coverage is underwritten by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a subsidiary of The Standard. This is a brief overview and is not a contract. Details, exclusions, and limitations are included in the certificate. Not available in all states. BuddyIns Insurance Services | CA Lic. #0M72219, 6000880.