Last week, I shared a little bit of what I hear from many people who are unaware of the OneAmerica Financial Care Solutions product suite.  In many cases, it starts with an idea of leveraging annuity money into tax-free long-term care benefits (something that OneAmerica has done for 2 decades).  And, expands when I hear “oh just like XYZ’s annuity”.

As I shared last week, their “unique” product is a clone of either Annuity Care II or Indexed Annuity Care with their own spin on it.  But, they are nothing more than copies of a OneAmerica Financial product.

I shared a few comparison points that differentiate the Annuity Care products from the others that are offered by other carriers.  One thing that I cannot emphasize enough is experience.

That is one thing that other carriers cannot duplicate.  It is something that needs to be earned.

I am going to make one statement and you can do with it what you wish … OneAmerica shares its claims experience – does that other carrier?

Odds are no.  I am aware of only one other asset-based/linked-benefits LTC carrier that does. (Hint – it’s the other one that has been in the space for over 35 years.)

So … let’s talk about claims for a bit.

In 2025, OneAmerica paid 2,390 long-term care claims.  That translated into $82.5 million – 40% of that was from Annuity Care products (approximately $33 million).  Since 1989, One America has paid over $771.7 million in claims.

That is a pretty solid history.  If you want to hear more about the OneAmerica Financial Care Solutions claims paying story – you can check out this one page overview. 

So, back to where I started, if the other carriers claim to offer products just like that from OneAmerica Financial – where is their claims history? 

Are they walking the talk? Or, are they just talking?

I know that OneAmerica Financial has …