It’s well known that OneAmerica’s asset-based LTC solutions have the most reasonable underwriting guidelines in the industry today. Here are just a few of the medical conditions that can be considered for Asset Care and Annuity Care (many are automatic declines with other carriers):
Bipolar Disorder
Kidney transplant or mild kidney failure
Mild to moderate Sleep Apnea
Mild to moderate Osteoporosis, Osteoarthritis, Rheumatoid Arthritis
Diabetes (Type 1 or Type 2)
Stroke or TIA (single episode) – after 6 months
Chronic pain
Diabetes (Type 1 or Type 2)
Stroke or TIA (single episode) – after 6 months
Chronic pain
Cancer (in remission) – 6 months from completion of treatment
Coronary heart disease – favorable risk factors
Tobacco use with diabetes, COPD, CAD, CVD or Emphysema
Coronary heart disease – favorable risk factors
Tobacco use with diabetes, COPD, CAD, CVD or Emphysema
Please keep in mind that this is just a small sampling of conditions that we would consider, and a more thorough list can be found in the Underwriting Guide.
Although OneAmerica doesn’t approve everyone who applies for Asset Care, our underwriting guidelines (with 8 Table ratings available for approval) allow us to approve people who would be would not be eligible for coverage elsewhere.
That’s why our placement rates are the highest in the industry!
