Have You Thought About Long Term Care Lately?

What are your prioritites for retirement?

Scroll down to discover some information you may not have considered.


Quality time with loved ones

Did You Know?

70% of 65-year olds will end up needing long term care.

Unpaid care givers provide 80% of home care.

Of those needing care, one in five require it for more than 5 years.

Why Do I Need Long Term Care Protection?

Stay in charge of your own care

If you want control over your own future care options you need to take steps now to prepare.


Keep your assets intact

You don't want your long-term care to impact the amount of retirement assets you have available.


Take care of your loved ones

Remove the worries from your friends and family by ensuring that they will not need to provide care to you.

Long Term Care

Long Term Care - Annual Costs

In-Home Care
Homemaker Services - $51,320
Home Health Aide - $51,892

Community & Assisted Living
Adult Day Health Care - $19,500
Assisted Living Facility - $45,660

Nursing Home Facility
Semi-Private Room - $102,200
Private Room - $112,420

Source: https://www.genworth.com/aging-and-you/finances/cost-of-care.html. Pensacola area.


This Is Not Long Term Care Like You Know It

Our flexible options combines long term care protection with a whole life insurance.

Common Questions

How Can I Pay for Asset Care

You can fund your Asset Care policy numerous ways. You can use funds from your 401(k), IRAs, annuities or other existing accounts. You can choose to pay in one lump sum or over time.

We can customize a solution that works for you and your family.

Can One Policy Protect Me and My Spouse?

With our joint protection option, you and your spouse won’t need to purchase individual policies or try to manage two sets of benefits. Even if you both need care at the same time, we make it easy by covering you both under one policy with shared benefits.

What Type of Care Will Asset Care Cover?

Asset Care can help you pay for almost any level of care, from minimal but meaningful social care to comprehensive residential care:

  • Adult Day Care
  • Home Health Care
  • Assisted Living
  • Nursing Home
  • Hospice

How Long Will I Be Protected?

Long-term care needs are unpredictable. It’s impossible to know when you’ll need care and for how long. Asset Care is the only whole life product to offer a protection option for the extent of a lifelong condition—like Alzheimer’s or dementia.

What Happens if I Never Need Long-Term Care?

Because Asset Care is based on whole life insurance, any amount that you don’t use on long-term care expenses becomes a death benefit that can be paid to whomever you choose.

Ready To Get Started?

Contact us today and we will set up an appointment to discuss your retirement priorites and how long-term care protection can assist those goals.

CA Insurance License #0K27964 AR Insurance License #3235890

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*Securities offered through OneAmerica Securities, Inc., a Registered Investment Advisor, Member FINRA/SIPC.
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Provided content is for overview and informational purposes only and is not intended and should not be relied upon as individualized tax, legal, fiduciary, or investment advice. Neither OneAmerica Securities, the companies of OneAmerica, American Heritage Financial, LLC, nor their representatives provide tax or legal advice. For answers to specific questions and before making any decisions, please consult a qualified attorney or tax advisor. Guarantees are subject to the claims paying ability of the issuing insurance company. American Heritage Financial, LLC is not affiliated with or endorsed by the Social Security Administration, the Centers for Medicare & Medicaid Services or any other governmental agency. All numeric examples and any individuals shown are hypothetical and were used for explanatory purposes only. Actual results may vary.