Waiver of Premium Rider for Nursing Home Care

[Enquiring Mind]

I have looked at Pioneer American's FE policy.
One thing I think really SIZZLES is its WOP rider for clients in nursing homes.
Are there other FE policies offering this?
I know that Transamerica has an accelerated death benefit option for clients needing LTC, but I like the WOP option better; it would allow the policyholder to keep his/her coverage while in a nursing home. We all know that could be a brief stay or years, and it makes a great selling point.
Is Pioneer American in the same company family as American Amicable? Does AA offer this rider?
How about other companies?

 

[NSRH]

Pioneer American is part of the American Amicable group of companies. Their FE policy will also pay 5% of the DB every month the client is in a nursing home.

So the client won't pay anything, and receive 5% of the DB. Very rare to find a policy do both.

 

[Baseball7]

Some interesting value ads but no medical niche in the product and mid to upper mid market in price.

 

[NSRH]

Some interesting value ads but no medical niche in the product and mid to upper mid market in price.

Mostly upper on the price actually.

 

[FinalExpenseDojo.com]

Mostly upper on the price actually.

As long as you're better priced compared to carriers like Lincoln Heritage, Senior Life, & Colonial Penn you're good!