Riders that provide long-term care benefits may not cover all the costs associated with long-term care – costs that may be incurred during the period of coverage. You should review carefully all limitations in any policy you are considering and in the riders. Optional riders will incur additional cost. Return of premium must occur prior to the commencement of claims and assumes no loans or withdrawals. A portion of the amount returned to you may have tax implications, which you should discuss with your tax advisor. Costs, restrictions, and other conditions may apply, and not all features and riders are available in all states. Guarantees are based on the claims-paying ability of the issuing company.