Our approach combines life insurance with long-term care benefits, can allow you to pay for care in your home, a facility, or for other qualified long-term care services for the first few years of care. Additionally, you have the option to extend coverage can allow up to the end of your lifetime. If you never need care, the cash value of your policy remains accessible for emergencies or can be passed on as a death benefit, securing your financial legacy.
Comfort. Dignity. A familiar setting. These are the things that most of us want as we get older, and that’s why, at OneAmerica Financial, we’re proud to offer a flexible alternative to traditional long-term care insurance.
LTC protection—your way
Our long-term care protection offerings are built with your specific needs in mind. With the Accelerated Death Benefit rider attached to your whole life insurance or annuity, you can cover your qualifying long-term care expenses, tax free. This not only provides greater flexibility but also offers you the freedom to leave a financial legacy to your loved ones in the event that long-term care isn’t needed.
We’re proud to offer:
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Life insurance + long-term care benefits
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Annuities + long-term care benefits
Our annuity-based solution can allow you to leverage the value of your annuity to cover your first few years of care. Should you need continued support, an optional coverage extension ensures your protection lasts beyond the initial period. When you use your annuity’s value for qualifying long-term care expenses, the benefits are tax-free, offering security and financial savings.
Plan with confidence: Access our long-term care planning guide
Navigating the complexities of long-term care can be daunting, but it doesn’t have to be. Our comprehensive planning guide can help you with tools and insight to prepare for and manage the journey ahead. With this resource, you can make informed decisions that ensure comfort, dignity, and peace of mind in the years to come.
Before starting any long-term care services
Reach out to OneAmerica Financial to confirm that your chosen services and providers align with your policy benefits. This proactive step can streamline your claims process and ensure you receive the care benefits you're entitled to.
Contact OneAmerica Financial today at 800-352-6608 to get started!
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. • Provided content is for overview and informational purposes only and is not intended as tax, legal, fiduciary, or investment advice.