Set the Record Straight about Long-Term Care Protection

When it comes to long-term care (LTC), your clients might not know where the facts end and the myths begin. You can help set the record straight.

More people today will need LTC services at home, in assisted living or in a nursing home — and the cost for care is on the rise. Yet too often, they stop short of preparing for real future needs because they’re confused by the myths of LTC products and services.

Have your clients confused facts with fiction on the subject of LTC? The myths are many:

• “A government program will take care of me.”
• “I already have health insurance.”
• “LTC protection is for nursing home care only.”
• “I can’t afford LTC protection.”
• “LTC is only for old people.”
• “We don’t need protection — we have each other.”
• “I can save the money I need for LTC.”

With OneAmerica® Care Solutions, we put the myths to rest with solutions your clients can use to help protect themselves, the ones they love and their retirement future.

Help your clients uncover the truth about LTC protection with OneAmerica Care Solutions. Start today with training resources and sales tools!

The Myths of LTC consumer campaign includes a variety of consumer marketing materials at your fingertips. Contact the Partners Advantage Marketing Team for more information: 888-251-5525, Ext. 138.

Not a deposit • Not FDIC or NCUSIF insured • Not guaranteed by the institution • Not insured by any federal government agency • May go down in value

OneAmerica is the marketing name for The State Life insurance Company® (State Life), offering the Care Solutions product suite.

Notes: Products are issued and underwritten by The State Life Insurance Company® (State Life), Indianapolis, IN, a OneAmerica company that offers the Care Solutions product suite. Asset-Care form numbers: L301, R501 and SA31; Annuity Care and Annuity Care II form numbers: SA34, R508; SA35; Indexed Annuity Care form numbers: SA36, R529 PPA, R529, R530 PPA and R530. Not available in all states or may vary by state. All guarantees are subject to the claims-paying ability of State Life.

For use with financial professionals only. Not for public distribution.

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Your Clients' Income Gap Is Your Income Gap

We’re excited to announce a new turn-key social media campaign to educate consumers on the importance of retirement income planning strategy. This campaign includes approved content including articles, videos and images! Courtesy of OneAmerica®.

Contact Partners Advantage Brokerage Team at 888-251-5525, Ext. 700 to learn more on how to access these resources to help educate your clients.

Now is a good time to have this conversation with your clients!
The great retirement income gap happens when individuals’ or couples’ retirement income needs drastically change — unexpectedly — and their expenses suddenly exceed their budget. It’s possible your clients will experience this if they have a chronic health condition or physical disability requiring long-term care (LTC) services in retirement.

If your clients aren’t prepared for this retirement income gap, they’ll likely have to spend  down their assets much quicker than planned. Have you thought about how this would affect your business?




For use with financial professional use only. Not for public distribution.

OneAmerica® is the marketing name for the companies of OneAmerica.

Partners Advantage Brokerage is not an affiliate of the companies of OneAmerica.

November is the Perfect Time to Focus on LTC Awareness and Protection

November is Long-Term Care (LTC) Awareness Month and we’re excited to announce a new turn-key social media campaign to educate consumers on the importance of long-term care protection. This campaign includes approved content including articles, videos and images! Courtesy of OneAmerica®.

Contact Partners Advantage Brokerage Team at 888-251-5525, Ext. 700 for access to these resources to help educate your clients.

Now is a good time to have this conversation with your clients:
“When should I prepare for long-term care?” You know that you can’t buy car insurance at the side of the road just after an accident. In the same way, the very best time to look at LTC protection is before you need it, when you’re healthy and may prepare for the future you want. By choosing LTC protection now, you and your family may look forward to the future with more confidence.

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For use with financial professional use only. Not for public distribution.

Sources: 
1. Ahrens, Marty. National Fire Protection Association. “Home Structure Fires.” Sept. 2015. 
2. U.S. Department of Transportation National Highway Traffic Safety Administration. “Quick Facts 2014.” March 2016. 
3. U.S. Department of Health and Human Services. 2016, June 24. “Who Needs Care?” 
http://longtermcare.gov/the-basics/who-needs-care/.

OneAmerica® is the marketing name for the companies of OneAmerica.

Partners Advantage Brokerage is not an affiliate of the companies of OneAmerica.

How Asset-Care® IV helps you give clients what they want

Asset-Care IV can help clients protect their retirement from the financial risks of a long-term care (LTC) event while providing the guarantees of whole life insurance. Asset-Care IV allows for continuous-pay options similar to traditional LTC insurance, which is perfect for clients who do not have or are unwilling to pay a large lump sum for LTC protection. Unlike traditional LTC insurance, with Asset-Care IV:  Premiums are guaranteed to never increase Clients can pass a death benefit to their loved ones if LTC is never needed  If clients change their mind, they can get back their policy cash value after the first year Do you have potential clients who are looking to protect their retirement from LTC risks with a continuous-pay option that provides valuable guarantees? Show them Asset-Care today, with valuable LTC protection and guarantees.   Asset-Care IV campaign flyer » How asset-based LTC works flyer » Two simple questions to ask flyer » Contact Partners Advantage for more information on OneAmerica: 888-251-5525, Ext. 700

For use with financial professionals only. Not for public distribution. 

Notes:  Products are issued and underwritten by The State Life Insurance Company^® (State Life), Indianapolis, IN, a OneAmerica company that offers the Care Solutions product suite. Asset-Care form number series: L301 and R501 may not be available in all states and may vary by state. All guarantees are subject to the claims-paying ability of State Life. Asset-Care^® is whole life insurance (in MD and PA, universal life) that allows access to 100 percent of the life policy death benefit for qualifying LTC expenses (paid monthly).

Not a deposit • Not FDIC or NCUSIF insured • Not guaranteed by the institution • Not insured by any federal government agency • May go down in value • 

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