LifeCare Xchange® powered by GWG Life, LLC offers agents four solutions to suit your senior clients’ objectives for retiremen ... t, estate planning and long-term health care needs. By Xchanging their life insurance policy, your clients may be able to receive: PROTECTION – Maintain a portion of the policy benefit, premium-free, and provide protection for loved ones with a Retained Death Benefit. INCOME – Supplement retirement funds with income for life with an Immediate Income Annuity. BENEFIT – Pay senior living expenses and long-term care expenses with a tax-free Long-Term Care Benefit Plan. LUMP SUM – Generate immediate funds for living needs with a Cash Payout. read more