This new benefit helps you maintain your dignity and independence as you age; click to view a recorded presentation.

Are you Tomorrow Ready®?

The NEW Trustmark Long-term Care with Life Insurance plan offers two benefits, and enrollment has been extended.

You can't be turned down for health reasons, but you must enroll by November 20th, 2026.

Get a personalized quote or enroll

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You’ll need your employee ID.

These login credentials are found in a yellow box in the emails you received.

You’ll need your employee ID to get a personalized quote or enroll.

Your login username is:
Your Stifel Employee ID with leading zeroes included
PIN: The last 4 digits of your Employee ID + your 4-digit birth year (8 digits total)

Ready with your employee ID?

Get started
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You don’t need to decide today.
You do need to look.

View a presentation about how long-term care planning can help you prepare for the curveballs life throws your way.

View a recorded presentation
Talk with an LTC Enrollment Support Team member: 1-844-289-0897.

What does it mean to be Tomorrow Ready?

Being Tomorrow Ready means:

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Maintaining your dignity and independence

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Using your savings for living, not paying for care

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Protecting loved ones from the stress of caregiving

Long‑term care isn’t just “later.” It’s family.

If a health issue changes daily life, families often step
in. An online meeting will help you understand the gap
and the options—without jargon or pressure.

Your kids and family will thank you.

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What is Long‑Term Care (LTC)?

Hover to learn more

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LTC services support everyday living

LTC services support everyday living

LTC services help with moving in and out of bed safely (transferring), getting dressed, continence, bathing, eating, using the restroom, and help with severe cognitive impairments.

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It's needed when you can't manage on your own

It's needed when you can't manage on your own

This kind of care is needed when illness, injury, or a health change makes everyday activities harder, whether temporarily (but for at least 90 days) or for the rest of one's life.

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LTC services can be provided at home or elsewhere

LTC services can be provided at home or elsewhere

LTC doesn't look the same for everyone. Services can be provided at home, in assisted living facilities, or in nursing homes.

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Needing LTC is more
common than you think

Needing LTC is more common than you think

Many people assume needing LTC is unlikely—or something to think about much later. In reality, more than 56% of Americans over age 65 will need some LTC support.

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Most insurance doesn't
cover it

Most insurance doesn't cover it

Health insurance and Medicare² are limited when it comes to long-term care. Ongoing help with activities of daily living is typically not covered, leaving many people unprepared for the cost.

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Without a plan, the burden is on your family

Without a plan, the burden is on your family

When coverage isn't in place, loved ones frequently fill the gaps—providing care, coordinating services, and helping financially, often during already stressful moments.

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Did you know?

56% of Americans over 65 will need some kind of long‑term care during their lifetime.

Planning ahead changes what comes next

Having a plan can make difficult situations easier. It helps protect your independence, reduce pressure on family, and give you more control over how care is handled if it’s ever needed.

Source: Department of Health and Human Services, Long‑Term Services and Supports for Older Americans: Risk and Financing, 2022.

How does the plan work?

Choose the coverage that fits you

Everyone’s needs—and budgets—are different. Instead of a one‑size‑fits‑all policy, Stifel offers multiple coverage options, so you can choose the level of protection that makes sense for your life today.

Many additional options are available to meet your planning needs within the quote and enroll system.

Option 1(Low) Option 2(Medium) Option 3(High)
$25,000Life Insurance $50,000Life Insurance $100,000Life Insurance
Up to $1,500Monthly LTC Benefit Up to $3,000Monthly LTC Benefit Up to $6,000Monthly LTC Benefit
$50,000Total LTC Benefit $100,000Total LTC Benefit $200,000Total LTC Benefit

Let's break it down

This short video walks through one of the options above and shows how
long-term care coverage works in real life.

BE TOMORROW READY

LONG-TERM CARE + LIFE INSURANCE

One Policy with
Two Benefits.

Whatever option you choose, your monthly LTC benefit is up to 6% of your Life Insurance benefit for professional care. Alternatively, you can access 2% of the selected Life Insurance amount per month to pay for a non-professional family caregiver.

If you use LTC benefits, your loved ones still receive the full Life Insurance amount after paying for LTC after your death.

The death benefit reduces to 50% at the later of age 70 or the 10th policy anniversary. If the death benefit reduction has occurred, your death benefit will be restored to the reduced 50% amount. However, the long-term care benefits do not reduce.

Example of reduction:
-If you bought at 40, the 50% reduction occurs at 70.
-If you bought at 65, the 50% reduction occurs at 75.

You should enroll now.

Explore all your plan options

Did you know?

Long-term care isn’t just for older people. LTC may be required due to a prolonged illness or accident.

The need for LTC might not wait until retirement.

Long-term care isn’t always a much-later-life issue. Being Tomorrow Ready before it feels urgent keeps your options open and comes with fewer tradeoffs.

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Why this plan works for real life

You can’t be turned down for health reasons¹

Eligible Stifel associates ages 18–70 can enroll with guaranteed acceptance. That means no medical exams and no lengthy health questionnaires for most people—something that’s often required when applying for coverage on your own.

You get protection for whatever life brings

Life is unpredictable. This program combines both life insurance and long-term care benefits into one policy. Life Insurance protects your family and long-term care benefits protect you.

Your coverage stays with you—even if your job changes

Your coverage is portable. If you change jobs or retire, you can take your policy with you, ensuring continuous protection no matter where life takes you.

The pricing competes with what you’ll find on your own

Long-term care pricing is based on age. Enrolling earlier means lower premiums—and employer-offered coverage like this may be more cost-effective than comparable policies purchased independently.

You choose how much coverage you purchase

Your long-term care benefit is determined by the amount of life insurance coverage you select. That choice sets your monthly and total long-term care benefit—but you don’t have to decide now how you’ll use it.

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Your spouse can enroll too!

If you elect your own associate coverage, your spouse can apply for coverage—making it easier to plan together.

Share with your loved one

Did you know?

The average cost for a home health aide is $80,080, a semiprivate room in a nursing home is $114,975*.

What happens if you don’t have Long-
term care coverage?

Long‑term care is typically not covered by
health insurance or Medicare². Without a plan,
the cost of care is usually paid out of pocket—
and those costs can add up quickly, especially
when care is needed over time.

See what you’d pay
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Cost of Long-Term Care in your State

The cost of care in your state is one of the main drivers to "how much coverage is enough". Most long-term care claims start at home and its many individuals preferred setting for care. Hover over your state to see the median cost of home care in your state.

 

People your age

Click below to learn more

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Age  30–35

I thought I was too young to consider this benefit.

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Age  36–45

I know what being a caregiver looks like now.

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Age  46–65

Our parents are relying on us more.

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Age  66–70

I want a say about my future and finances.

Age 30-35

Long-term care wasn’t on my radar.

Then I realized waiting would actually cost me more.

AGE: 30–35

Long-term care wasn’t top of mind for me at all. I was focused on paying down student loans, covering everyday expenses, and saving what I could for travel and time with friends.

What changed everything was learning that long-term care premiums are based on age. Starting earlier meant lower costs — and more flexibility later.

Honestly, it felt like a smart move that lets me keep living my life now and protect my future.

Age 36-45

I know what being a caregiver looks like now.

And I don’t want my kids to be responsible for taking care of me.

AGE: 36–45

I’m juggling a lot — raising a family, paying a mortgage, and trying to save for retirement. Planning for long-term care felt like just one more thing on the list.

But something clicked when I realized that the everyday activities long-term care covers are the same things I help my kids with every day. Feeding. Bathing. Getting dressed.

I don’t want my children to be responsible for that someday. And waiting to plan literally comes at a cost, since premiums are based on age.

Age 46-65

Our parents are relying on us more.

That made us think about our own future.

AGE: 46–65

We thought we were busy before — raising a family, managing a mortgage, saving for retirement. Now we’re also helping our aging parents navigate care decisions.

Recently it hit us, we’re not getting any younger either. Waiting to plan for our own long-term care would mean higher premiums and fewer options.

Having coverage in place gave us peace of mind — and one less thing to worry about as we look ahead.

Age 66+

I want a say about my future and finances.

Planning ahead helps me keep both.

AGE: 66–70

At this stage of life, my priorities are clear: protecting my retirement savings and maintaining my independence.

Planning for long-term care helps me stay in control of both — while reducing the financial and emotional burden on the people I love.

I didn’t hesitate to enroll when I had the opportunity. I knew guaranteed acceptance like this doesn’t come around often.

Cariloop + Trustmark

Expanding the Scope of Care

Get two-in-one protection with life insurance that includes a long-term care benefit, enhanced by Cariloop's expert care support. Together, they provide protection, financial security, and personalized guidance for whatever life brings, both today and in the future.

What this means for you:

- Life Insurance - Helps protect your family's financial future.
- Care Benefits - Helps offset the rising costs associated with long-term care.
- Care Support - Provides expert guidance and personalized support to help you navigate care decisions for yourself and your loved ones, today and tomorrow.

Together, Trustmark and Cariloop offer a more complete approach to care planning, combining financial protection with the support you need every step of the way.

Learn more about Cariloop here.

Cariloop Frequently Asked Questions

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There’s nothing like LTC coverage

Can I get this coverage through another benefit?

Short answer? No.

Health and disability insurance do not cover LTC services. Medicare covers up to 100 days of care after a 3-day stay in the hospital, which typically isn’t enough. The average LTC claim is 3 years.

Frequently Asked Questions

One policy with two benefits – life insurance coverage for your family and Long-Term Care (LTC) benefits if you need them. Building a plan is simple:

1. Choose a life insurance benefit up to $250,000 for eligible associates.

2. You can access 6% of the life benefit per month if you need professional care (e.g., $100,000 of life = $6,000 per month for professional care). You can also pay for care delivered by a family member (non-professional).
For non-professional family care, you’re eligible to access 2% of the life benefit per month for care (e.g., $100,000 of life = $2,000 per month for family care).

3. The LTC benefit will keep paying up to twice the life benefit ($100,000 life benefit = $200,000 total for long-term care).
If you are diagnosed with a cognitive impairment (such as dementia or Alzheimer’s) and require supervision, or you cannot perform two of six activities of daily living and that condition is expected to last 90 days, you can access your LTC benefits after a 90-day waiting period. The six activities of daily living are bathing, eating, transferring, toileting, continence, and dressing.
The policy comes with a death benefit restoration rider which restores the death benefit back to the original or reduced face amount. Please note that the death benefit reduces to half (50%) at the later of age 70 or the 10th policy anniversary. The policy will not reduce before the age of 70 and only reduces once.

If a death benefit reduction has occurred, any restoration of death benefit provision would restore the death benefit back to the reduced 50% amount. Your LTC benefits don’t reduce and will remain at 2x the original life insurance amount selected.

Example of reduction:
-If you bought at 40, the 50% reduction occurs at 70.
-If you bought at 65, the 50% reduction occurs at 75.
Your premium is based on how much death benefit you select, cigarette use, and your age based on the policy effective date. You may view a non-binding quote for your exact costs by logging into the application and quoting system.
No, eligible associates from the ages of 18 to 70 can enroll with guaranteed issue.
Upon death, your beneficiary would receive the full in-force death benefit. Please note that the death benefit reduces to half (50%) at the later of age 70 or the 10th policy anniversary.
Your benefit duration can vary based on whether you are accessing the Long-Term Care benefit to pay for professional care or non-professional family care. Regardless of the type of care you are receiving, you’ll have access to a total LTC benefit of 2x whatever life insurance amount you select.
Yes, your spouse can be enrolled in their own policy; however, coverage amounts and medical underwriting may vary. You must be enrolled in the benefit in order to add coverage for your spouse, and your spouse's benefit is limited to 100% of your elected benefit amount.
The total Long-Term Care benefit amount remains static through the lifetime of the coverage unless claimed against. Any care benefits received on a claim will reduce the remaining balance of Long-Term Care benefits available on a dollar-for-dollar basis.

If you enroll with guaranteed issue, the life insurance benefit amount will reduce by 50% at the later of your age 70 or the 10th anniversary of your policy being active (i.e., the reduction cannot occur before you are 70 years old). This future life insurance benefit reduction is priced into the coverage from day one, resulting in a lower cost to secure coverage.
The premium will be paid via monthly bank draft from your bank account on a post-tax basis and will be drafted on the 15th of each month after the coverage becomes effective. This benefit is not payroll deducted.

Premiums are paid until 100 and your benefits are payable through 121.
This policy is fully portable, meaning you take the coverage with you. You can continue coverage without any change in premium or benefit amounts.

Trustmark is an A (Excellent) Rated Insurance Carrier.

A.M. Best has affirmed the Financial Strength Rating of A (Excellent).

Tomorrow Ready® is a registered trademark of J. Manning & Associates.

1. Guaranteed acceptance is available for eligible associates ages 18-70.

2. Medicare Part A may cover up to 100 days of skilled nursing care per benefit period following a qualifying inpatient hospital stay of at least three consecutive days. Days 1–20 are covered in full; days 21–100 require daily coinsurance. Coverage continues only while daily skilled care is medically necessary and ends when care becomes custodial. Medicare does not cover custodial care. Medicare Advantage coverage may differ.

 

Trustmark's Life + Care death benefit reduces to one-half at the later of age 70 or the 10th policy anniversary. Rates and coverage options are based on your age as of policy effective date. This policy does not accumulate cash value. LTC Rider is not available after age 70.

*Source: Genworth & CareScout 2024 Cost of Care Survey. Home Health Aide - (44 hours/week) = $77.8k/year. Nursing Home (Semi-private or Private Room) = $111k - $128k/year.

 

Trustmark is an A (Excellent) Rated Insurance Carrier. A.M. Best has affirmed the Financial Strength Rating of A (Excellent).

Disclosures, Limitations & Exclusions Policy sample