Use it during your lifetime to help pay for care in your home, care in a facility or other long-term care services. If you never need care, you can access the cash value during your life or make the death benefit part of your financial legacy.
Long-term Care Protection
Our long-term care protection isn't a standalone product. Instead, you can add it to our life insurance and annuity offerings — making it a more flexible and innovative alternative to traditional long-term care insurance. The good news is — if you never need care, your asset passes to heirs.
Comfort. Dignity. A familiar setting.
These are the things most of us want as we get older. At OneAmerica Financial℠ we have options to help you pay for long-term care — whether you prefer to receive it in a facility or your own home.
Life insurance + long-term care benefits
Annuities + long-term care benefits
Use the annuity’s value to cover your first few years of care, then protect yourself beyond that with an optional coverage extension. Access to the long-term care benefits can even be income tax-free.
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. Not available in all states or may vary by state.