Shared Care is an optional policy benefit many couples include when they apply together and have identical benefits.  This feature combines the couple’s Benefit Pools into one large pool of money that either partner can use. Here’s an example: A couple buys a policy that provides $100,000 of total benefits to each person.  With this optional feature the insurance company combines both of their $100,000 of benefits into a combined $200,000 that both can use.  If one partner dies then the remaining $200,000 is left for the surviving partner to use.  It is a great cost effective way to leverage a couple’s policy.