Discover how a new type of Asset Care offers guarantees that traditional long-term care insurance can't. Get your FREE Long-Term Planning guide today!
The Problem with Traditional Long-Term Care Insurance
Rising Premiums
Traditional policies can increase premiums as you age, sometimes becoming unaffordable just when you need coverage most.
Decreasing Benefits
Your coverage may shrink over time, leaving you with inadequate protection when care is needed.
"Use It or Lose It"
If you never need long-term care, every dollar you've paid into traditional insurance is gone forever.
What is Asset Care?
Whole Life Insurance
A permanent policy that builds cash value over time and provides a guaranteed death benefit to your loved ones.
Long-Term Care Benefits
Access your death benefit tax-free to pay for qualified long-term care expenses when needed.
Single Premium
Fund once with existing assets or savings, with no risk of future premium increases or benefit reductions.
5 Key Benefits Over Traditional LTC Insurance
Guaranteed Premiums
Your one-time premium is locked in for life—no surprises or increases.
Guaranteed Benefits
Your long-term care benefits never decrease, providing lifetime protection.
Cash Value Growth
Your policy builds value over time that you can access if needed.
Legacy Benefit
If you never use the LTC benefits, your family receives a tax-free death benefit.
Lifetime Coverage
Get benefits for as long as you need them—even for life.
How Asset Care Works
Fund Your Policy
Convert existing savings or assets into a single-premium policy with immediate protection.
Access Benefits If Needed
If you require care, accelerate your death benefit tax-free with a 0-day elimination period for home care.
Leave a Legacy
If long-term care isn't needed, your full death benefit passes to your beneficiaries tax-free.
Why Americans Are Choosing Asset Care
Need LTC Coverage
Americans who recognize the need for long-term care protection.
Have Coverage
Americans who currently own traditional long-term care insurance.
Years of Service
OneAmerica's history of financial strength and stability.
Premium Increases
What you'll face with Asset Care's guaranteed single premium.
What Our Clients Are Saying
Margaret T., 68
"After watching my parents struggle with rising premiums on their traditional long-term care policy, Asset Care was exactly what I needed. One payment, guaranteed coverage, and peace of mind."
Robert & Susan J., 72
"We love that our joint policy covers both of us, and if we never use it, our children will receive the death benefit. It's truly the best of both worlds."
James W., 65
"The cash value component gave me flexibility I couldn't find anywhere else. Asset Care protects my retirement savings from being depleted by long-term care costs."
Take Control of Your Future Today
Download Your Free Guide
Get instant access to our comprehensive Long-Term Care Planning Guide to understand all your options.
Learn About Asset Care
Discover how this innovative solution provides guaranteed protection without the drawbacks of traditional insurance.
Schedule a Consultation
Speak with a qualified advisor to determine if Asset Care is the right solution for your specific situation.
Protect Your Future from the Rising Costs of Long-Term Care