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.
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.
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Life insurance + long-term care benefits
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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.
Long-term planning guide
One of the wisest things anyone can do to prepare for their financial future is learn about long-term care services long before they are needed. Knowing and understanding the choices puts you in a better position to make educated decisions and help minimize stress for you and your family if care is needed.
Our LTC Consumer Education website provides insight to help you navigate long-term care needs before, during and after they are needed. We created this resource to help answer commons questions, ease concerns, and open the door to more discussions about long-term care strategies.
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.