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One day you or your spouse may need long-term care (LTC) services. Almost 70 percent of adults age 65 will need long-term care (LTC) in their lifetime. 20 percent will require LTC for more than 5 years1. If you’re among them, will you have the financial resources to keep you in your home? To get the kind of care you desire, plan ahead for the expense of home health care, assisted living and nursing home care.


Asset-based long-term care protection

This protection can help you prepare for your future and protect your retirement with:

  • Premiums to fit your budget. You can pay all at once, over 10 years, over 20 years or over your lifetime to suit your budget.
  • Income-tax free benefits to help pay for home health care, extended care, nursing home stays and more.
  • Single and joint life coverage to cost effectively cover two people.

Different than traditional long-term care insurance

Unlike traditional LTC insurance, Asset-based protection offers:

  • Premiums guaranteed to never increase, ensuring your peace of mind
  • A guaranteed death benefit for your loved ones if LTC is never needed
  • Guaranteed cash value growth, returned to you if you choose
  • Optional lifetime LTC benefits

Learn more about the difference between Asset-based protection and standalone LTC insurance options:


 PremiumsDeath benefitCoverage lengthCash valueLTC benefits
Asset-based long-term care
Guaranteed to never increaseCan pass money to your loved ones tax-free upon your deathOpportunity for lifetime LTC benefits if selectedHas cash value growth over time that can be returned to you if you change your mindProvides a monthly LTC benefit to help cover cost of home health care, nursing home care, assisted living and more
LTC insurance
Not guaranteed to never increaseNoneLTC benefits end in the futureNoneProvides a monthly LTC benefit to help cover cost of home health care, nursing home care, assisted living and more

1 Source: "How Much Care Will You Need?” Last modified on 02/18/2020


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.