“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