“Pay-to-95” LTCi Checks All the Boxes

It’s no surprise that COST is the #1 barrier to LTC insurance…

In fact, at OneAmerica® we sell more “Pay-to-95” plans than any other option.

…It’s also no surprise that there are many more factors that add VALUE:

Our “Pay to 95” Model offers MORE VALUE & at a lower annual cost. 

Looking at the results above, “Pay-to-95” checks the boxes: 

  • Cost of Plan
    “Pay-to-95” offers our lowest annual outlay
  • Length of Coverage
    LIFETIME coverage is available 
    This means your clients can buy LTC coverage that cannot be exhausted: The benefit duration is truly UNLIMITED
  • No Change in Premium
    “Pay-to-95” offers a GUARANTEED Premium 
    Your clients will never receive a premium increase
  • No Change in Benefits
    “Pay-to-95” Benefits are 100% Guaranteed
    • Guaranteed LTC Benefits
    • Guaranteed Death Benefit
    • Guaranteed inflation protection
    • Guaranteed Cash Values 
  • Benefit Availability
    ZERO day Elimination Period for Home Care & 90 Day for Facility (can be satisfied by Home Care) 
  • The “Wildcard”: Waiver of Premium
    Waiver of Premium is included automatically every time 
    Not only does “Pay-to-95” cost less annually, but if the client does need care, Waiver kicks in and can reduce the total costs of the plan even further