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    Long-term care protection

    Caring expertise, every step of the way.

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    What is asset-based or hybrid long-term care?

    For your clients, the idea of needing long-term care insurance may feel overwhelming or too far away to worry about. However, an unexpected long-term care event can have significant consequences – potentially derailing their financial plans for the future. At OneAmerica Financial®, we offer an alternative to traditional long-term care insurance that makes planning easier. Using the power and guarantees associated with whole life insurance and annuities, we can provide long-term care protection as a primary need, but also allow for a death benefit if not needed for qualified long-term care expenses

    Why choose asset-based long-term care?

    Our Care Solutions product portfolio, using the foundation of either a whole life insurance policy or an annuity provides long-term care benefits, enables your clients to cover long-term care if they need it – or leave a financial legacy to your loved ones if they don’t. Both of the offerings in our Care Solutions portfolio provide clients with:

    • Care

      Clients can expect support, empathy, and strategies to help ease burdens so your family can focus on what matters most.

    • Empowerment

      Options are available to tailor a policy to your client's needs. Choose their monthly amount of protection, the length of the protection and customize with other available riders.

    • Stability

      Clients enjoy guaranteed benefits and fixed premiums, as well as the experience offered by OneAmerica Financial, all things that remain unchanged through policy ownership.

    Care Solutions product portfolio

    Put your clients' assets to work using Asset Care® and Annuity Care®, the products in our Care Solutions product portfolio.

    • Spending quality time with loved ones.

      Asset Care:

      Whole life insurance with 
long-term care benefits

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      Annuity Care:

      Annuities with long-term care benefits

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    • Use our Quick Quote Tool to explore Asset Care and Annuity Care rates and benefits..

      *Quick Quote available for Asset Care and Annuity Care II only. May not reflect all available riders and may differ by state.

    Let’s talk

    Ready to learn more? Reach out today and let’s see how we can work together to deliver for your clients.

    This website page is designed for Financial Professionals. 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. Asset Care form numbers: ICC18 L302, ICC18 L302 SP, ICC18 L302 JT, ICC18 L302 SPJT, ICC24 R545, ICC24 R546, ICC18 SA39, ICC18 R540, L302, L302 JT, L302 SP, L302 SP JT, R537, R538 SA39, R540, R545 and R546. Not available in all states or may vary by state.