Put your client's unused dollars to work for long-term care that's tax-free.

Transfer non-qualified annuity gains into tax-free protection for future long-term care expenses. Help clients protect their assets while minimizing taxes.

An opportunity with base Annuity Care®

Are taxable gains holding your clients back from accessing their non-qualified annuities? And are they planning for potential long-term care (LTC) expenses in their future?

If so, OneAmerica Financial has a solution.

Our base Annuity Care and Indexed Annuity Care options offer your clients the freedom to transfer their non-qualified annuities – tax-free – into one that can be used to pay for qualified LTC expenses, regardless of the cost basis and gain.

It’s a great time to help your clients get additional value out of their annuity dollars — and give them the opportunity for tax-free benefits as well.

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Why choose base Annuity Care®?

Tax-advantaged benefits: All options qualify under tax benefits outlined in the Pension Protection Act, making gains tax-free if used for LTC expenses.
Joint coverage available: Protect two individuals under one policy.
Flexible eligibility: Both options are available for applicants up to age 85 and, in some cases, age 87 with home office approval.
Dedicated Care Benefit Concierge: All clients are assigned a Care Benefit Concierge when initiating their LTC claim. The concierge is a dedicated professional who can help clients with everything from coordinating care options to assisting with billing and claims administration.

Instant approval — up to $1.5 million

Clients who answer “no” to a few initial questions may be instantly approved for up to $1.5 million on base sales — no lengthy underwriting, no medical exams.^* Producers are eligible to make commission on the full premium for individuals up to age 85; a compensation reduction applies for individuals ages 86 and 87.

*Instant approval for eApp only. Paper application process available within a 48-hour turnaround. Standard suitability review applies. Base only sales; no Continuation of Benefits. Four questions for Annuity Care; Five questions for Indexed Annuity Care.
Previous underwriting decisions for the applicant will be reviewed, and we reserve the right to void the secondary decision.

Learn more

Discover what our Annuity Care options can do for your clients:

Adaptable Annuities: Multi-purpose for Living, Legacy and Long-term care

Get the details by downloading our educational flyer.

Download

Contact your dedicated OneAmerica Financial sales representative to get started

Place your trust in our financial strength

We proudly stand among the top 8% of U.S. life insurers in earning consistently high third-party ratings.*

A.M. Best: A+ (Superior)
S&P: AA-

Our history as a mutual organization

The companies of OneAmerica Financial have been helping protect and support our customers for almost 150 years. We are a mutual organization that places our policyholders first in each decision we make. OneAmerica Financial is committed to being there when customers need it most.