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Hybrid Long-Term Care Strategy

OneAmerica Asset Care

The Only Joint Lifetime Unlimited Solution

Why Asset Care is the “Gold Standard” for Retirement

Most retirees are unaware that traditional Long-Term Care insurance has a “use-it-or-lose-it” flaw. If you pay premiums for 20 years and never need care, that money is gone. OneAmerica Asset Care solves this by utilizing a Whole Life insurance chassis. This means your premium is an asset, not an expense. If you never need a day of care, your heirs receive a tax-free death benefit, effectively refunding your investment.

Furthermore, Asset Care is the only major hybrid policy in the United States that offers a Lifetime Unlimited benefit for couples. While other carriers cap your care at 3 or 6 years, OneAmerica ensures that in the event of a long-term cognitive impairment like Alzheimer’s, the checks continue to arrive for as long as you live. It is the only strategy built to protect against the “Tail Risk”—the catastrophic 10+ year care event that can vaporize a lifetime of savings.

Strategy Concept Simulator

Adjust parameters to visualize the Lifetime Pool compounding.

OneAmerica Asset Care Hybrid

Joint Lifetime LTC Simulator

Whole Life Chassis | Guaranteed Premiums | Unlimited Benefit Options

Unlimited Duration

Standard policies are “bucket” systems—once the money is gone, you are on your own. OneAmerica provides an infinite safety net for life.

IRA/401(k) Funding

Utilize “Lazy Money” in your qualified accounts. OneAmerica often adds a 20% credit to transfers, making your tax-deferred dollars work harder.

Fixed Premiums

Unlike traditional LTC that can raise rates, Asset Care premiums are contractually guaranteed to never increase for the life of the policy.

The “Claim Secret”: Understanding ADLs

Insurance companies don’t pay out based on a medical diagnosis (like “Stage 2 Cancer” or “Broken Hip”). They pay based on your functional ability. Specifically, you trigger benefits when a physician certifies you cannot perform 2 of the 6 Activities of Daily Living (ADLs) or you have a severe cognitive impairment.

Bathing
Continence
Dressing
Eating
Toileting
Transferring

White-Glove Concierge Claim Service

OneAmerica is one of the few carriers providing a dedicated Concierge Care Representative at the time of claim. This specialist doesn’t just cut checks—they help your family navigate the care system, vet home health agencies, and ensure your claim is processed with zero friction. Your family shouldn’t have to be insurance experts during a crisis; OneAmerica provides the expert for you.

Strategy FAQ

1. What makes Asset Care different from traditional LTC insurance?

It is asset-based. If you never need care, your heirs receive a death benefit. Traditional LTC is “use-it-or-lose-it.”

2. Can one policy cover two spouses?

Yes. The Joint Life chassis allows one premium to protect both. It is the most cost-effective way for couples to secure care.

3. Are premiums guaranteed?

Yes. Contractually, your premiums can never increase once the policy is issued.

4. Is there an “Unlimited” care option?

Yes. OneAmerica is the industry leader in Lifetime Unlimited benefits, meaning care is paid for life regardless of length.

5. How does the 75% Cash Indemnity work?

You can choose to take 75% of your benefit in cash with no receipts required, providing total freedom in care choice.

6. Can I fund this with my IRA?

Yes. Qualified fund transfers are a specialty of OneAmerica, often including a 20% principal bonus.

7. What happens if I move to another state?

Asset Care features National Portability. Your coverage is fully portable across multiple states, and benefits are paid regardless of where you choose to receive care.

8. Is there an elimination period?

Usually 0 days for home health and 90 days for nursing facilities, depending on your plan.

9. Does it cover home health care?

Yes. It covers home care, assisted living, and nursing home facilities equally.

10. How do I start the process?

Schedule a technical review with Dan Walsh to confirm your health rating and receive a customized 24-page report.

Get Your Official Strategy Report

Concept simulators are for education. To see the actual technical illustration for your specific situation, contact Dan Walsh today.

DISCLAIMER: This website is for informational purposes only and does not constitute an offer of insurance. All calculations provided by the simulator are hypothetical estimates based on standard 2024 OneAmerica Asset Care rates and do not represent a guaranteed contract. Final premiums and benefits are subject to simplified or full underwriting, age at issue, state of residence, and individual health ratings as determined by OneAmerica Financial Partners, Inc.

Long-Term Care benefits are triggered by the inability to perform 2 of 6 Activities of Daily Living (ADLs) or severe cognitive impairment as certified by a licensed healthcare professional. OneAmerica Asset Care is an asset-based long-term care product underwritten by The State Life Insurance Company®, a OneAmerica company. Policy forms and features may vary by state and are not available in all jurisdictions.

Dan Walsh is an independent broker and is not an employee of OneAmerica Financial. No part of this site has been reviewed or endorsed by OneAmerica Financial Partners, Inc. All trademarks and company names are the property of their respective owners.

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