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Asset-based long-term care protection

Offer a flexible alternative to traditional long-term care insurance

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What is asset-based long-term care?

For your clients, the idea of needing long-term care insurance may feel overwhelming or too far away to worry about. However, an unexpected long-term care event can have significant consequences — potentially derailing their financial plans for the future. At OneAmerica Financial®, we offer an alternative to traditional long-term care insurance that makes planning easier.

 

Designed with flexibility in mind, our Care Solutions product portfolio, featuring asset-based long-term care protection options, enables your clients to cover long-term care if they need it — or leave a financial legacy to their loved ones if they don’t. Unlike traditional long-term care insurance, where premiums are paid for coverage that may not be used, asset-based long-term care solutions can offer greater flexibility, with the ability to leave money behind.

Why choose asset-based long-term care?

  • Empowerment

    Clients can cover their long-term care expenses, relieving loved ones from the financial and emotional burden.

  • Protection

    Asset-based care serves as the primary long-term care protection, helping your clients protect more of their retirement savings.

  • Stability

    Clients enjoy guaranteed benefits and fixed premiums that remain unchanged throughout the policy.

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Put your clients’ assets to work

We’re proud to offer two options for asset-based long-term care:

  • Spending quality time with loved ones.

    Asset Care®

    Asset Care allows your clients to use the power of whole life insurance to help protect themselves and their loved ones from the expenses, and emotional toll, that can arise when a family faces a long-term care event.

  • Happy mature man talking with father in kitchen. Senior male is with son at home. They are spending leisure time.

    Annuity Care®

    Our Annuity Care options offer your clients the ability to transfer existing savings, cash or other assets to a special type of annuity that combines long-term asset growth with long-term care benefits.

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  • Use our Quick Quote Tool to explore Asset Care and Annuity Care rates and benefits.

*Quick Quote available for Asset Care and Annuity Care II only. May not reflect all available riders and may differ by state.

Let’s talk

Ready to learn more? Reach out today and let’s see how we can work together to deliver for your clients

Reach out to your regional sales director.

or

Call our Care Solutions Sales Desk at

This website page is designed for Financial Professionals. OneAmerica Financial is the marketing name for the companies of OneAmerica Financial. Products issued and underwritten by The State Life Insurance Company® (State Life), Indianapolis, IN, a OneAmerica Financial company that offers the Care Solutions product suite. Asset Care form numbers: ICC18 L302, ICC18 L302 SP, ICC18 L302 JT, ICC18 L302 SPJT, ICC18 R537, ICC18 R538, ICC18 SA39, ICC18 R540, L302, L302 JT, L302 SP, L302 SP JT, R537, R538 SA39 and R540. Annuity Care and Annuity Care II form numbers: SA34, R508; SA35, ICC15 SA35, ICC15 R521 PPA ND, ICC15 R521 PPA, ICC15 R522 PPA. Not available in all states or may vary by state. • All guarantees are subject to the claims-paying ability of State Life.