In the January 2025 episode of Coffee Break, I shared information on how to locate more information about who OneAmerica Financial is … just go to oneamerica.com/about-us and you will get access to a boatload of information about the companies of OneAmerica Financial.
There is a bunch of noise in the asset-based / linked-benefit LTC segment with new players climbing in (and some slipping out) all the time.
Here are a few things to consider when you try to sort through all the noise of carriers screaming that their solution is absolutely the best and everyone needs to have it:
- What is their experience in the asset-based / linked-benefit market?
- Are they committed to the market segment or have they wandered out then decided to return when the line of business is gaining in popularity?
- Do they manage their own claims here in America?
- Are they willing to share their claims history?
All of these are important. Frankly, they are as important as the financial strength and stability of the carrier.
For the record, OneAmerica Financial has been committed to the asset-based / linked- benefit LTC segment uninterrupted since its inception 36 years ago. Only one other carrier has a similar commitment to the market segment.
You’ve heard a lot about claims in the past few months from me. I want to reiterate 3 important points for you:
- OneAmerica Financial manages all of the Care Solutions claims from the home office in Indianapolis. They’re OneAmerica Financial employees working with OneAmerica policyholders to get the maximum value from their policies.
- For over 35 years, OneAmerica Financial has paid long-term care claims. Here is how 2023 looked: https://loom.ly/xRJrDks
- With the updated Asset Care, both formal and informal care are available along with the NEW Care Consultant benefit that provides “coaching” for the informal caregiver every month at no cost to them.
Remember, a long-term care insurance policy is a promise to pay somewhere down the road (often decades). Knowing that a carrier is and has been committed to the line of business, has a solid claims paying record, and is focused on the consumer claims experience is as important as how the number look on a spreadsheet.
As an innovator in asset-based LTC insurance, OneAmerica Financial has demonstrated their commitment. Learn more the OneAmerica Financial at oneamerica.com/about-us or, you can speak with my internal Nick Angelov at (844) 623-4251 or nick.angelov.isp@oneamerica.com
Fridays with Fisher 