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Long-term care protection

Protection if, and only if, you need it.

Holding hands

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

    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.

  • 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.