Life and Serenity 65 is whole life insurance with additional protection for the four main health problems that come with age. Starting at age 65, your client's health can allow him/her to access the life face amount on the product by receiving a monthly benefit that can be used to pay for long-term health care.
Life and Serenity 65’s unique advantage is that a minimum of 25% of the face amount will be paid to the beneficiaries upon death, even if the monthly benefits have completely depleted the life insurance coverage.