Long-Term Care Solutions from State Life Insurance Company

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70 percent over age 65 will require some type of long-term care services during their lifetime.

Learn more Long-Term Care Facts.
Why Asset-Based Long-Term Care offers more options than Long-Term Care Insurance

Which Long-Term Care plan is better for your client?
Find the cost of Long-Term Care Across the United States with our Long-Term Care Calculator.
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State Life’s Care Solutions
Asset-based insurance products with long-term care benefits providing consumers with options to help them plan in case of long-term care expenses – and providing value if not
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Long-Term Care Costs
Find the cost of different types of long-term care expenses across the United States with our long-term care calculator. Discover how much long term care costs will be where you live. Plan for your long-term care today.
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Long-Term Care Tools
Log in today for tools to help your long-term care clients plan for long-term care with products that provide tax-advantages and value even if care is never needed.
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Long-Term Care Webinars
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Long-Term Care Solutions
The Care Solutions portfolio of products can help your clients whether they need long-term care services or not, providing security and a legacy they can share with their loved ones.
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Over 20 years of innovation, leadership, and focus…
The Care Solutions portfolio of products can help your clients whether they need long-term care services or not, providing security and a legacy they can share with their loved ones.

Hover over some key dates in Care Solutions history:

1988 - Asset-Care was introduced as the original whole life insurance product with integrated long-term care benefits. Originally available with only a single premium funding method, there are now over a dozen different ways to fund Asset-Care, including the use of IRAs and other qualified funds.

1996 - Lifetime long-term care benefits were first made available with guaranteed premiums. To date, both elements – lifetime benefits and premiums guaranteed never to increase – are still available.

1998 - Annuity Care was introduced as the first fixed interest, deferred annuity with long-term care benefits. Both Asset-Care and Annuity Care are available on both a joint and single life basis.

2003 - United States Patent number 6,584,446 was awarded for the joint life insurance with long-term care benefits. This makes our joint life product the only one of its kind on the market today.

2009 - Allowing more consumers to benefit from the tax advantages of the recently enacted Pension Protection Act, Annuity Care II is introduced. In 2011, Annuity Care III was introduced, providing three Care Solutions options in the rapidly expanding area of annuity-based long-term care products.

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Long-Term Care Webinars
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Annuity Care Logo

Annuity Care is a single premium deferred annuity with LTC benefits. It is eligible for the tax advantages of the Pension Protection Act and offers benefit periods up to lifetime.

Annuity Care II Logo

Annuity Care II is a single premium deferred annuity with LTC benefits and a built-in continuation of benefits for extended care needs. It is eligible for the tax advantages of the Pension Protection Act.

Asset-Care Logo

Asset-Care® is designed to help your clients protect their assets by using the security of life insurance to provide long-term care benefits.

ImmediateCare Logo

ImmediateCare is a medically underwritten single-premium immediate annuity that helps fund long-term care with monthly payments for life.

Legacy Care Logo

With Legacy Care, your clients' single premium accumulates interest tax deferred so they can enjoy interest earned on their interest and single premium. No state or federal taxes are owed until they withdraw the interest.

The Care Solutions Portfolio: Long-Term Care Solutions for Your Clients

The Care Solutions portfolio is a suite of asset-based insurance products with long-term care benefits, providing consumers with options to help them plan in case of long-term care expenses – and provide value if not. By using the time-tested concepts of life insurance and annuities as their foundation, the Care Solutions can provide value for some of retirement's most challenging hurdles: living a long life, LTC costs, asset accumulation, and wealth transfer.

Asset-Care® uses the solid foundation of whole life insurance to provide guaranteed protection and cash value accumulation.

Annuity Care® and Annuity Care II can be a secure place to grow your client's funds and help protect against the cost of unexpected long-term care expenses.

Legacy Care® can provide value, regardless of your client'sage or health.

ImmediateCare® can help decrease financial and emotional stress, and may be a solution for individuals who need help now.

Top 10 Reasons to talk to your clients about Asset-Care®
  1. Whole life insurance chassis
  2. Patented joint life option (available for single lives as well)
  3. Available through issue age 80
  4. Guaranteed cash value growth
  5. Guaranteed death benefit
  6. Full death benefit can be utilized for qualifying LTC expenses
  7. Multiple acceleration options for LTC
  8. Annual pay options with guaranteed premium
  9. Optional continuation of benefits options
  10. Lifetime coverage available with guaranteed premium

State Life’s Care Solutions portfolio of products offer Long-Term Care Solutions: Providing tax-advantages and value even if care is never needed.

Annuity Care Logo

Annuity Care is a single premium deferred annuity with LTC benefits. It is eligible for the tax advantages of the Pension Protection Act and offers benefit periods up to lifetime.

Annuity Care II Logo

Annuity Care II is a single premium deferred annuity with LTC benefits and a built-in continuation of benefits for extended care needs. It is eligible for the tax advantages of the Pension Protection Act.

Asset-Care Logo

Asset-Care® is designed to help your clients protect their assets by using the security of life insurance to provide long-term care benefits.

ImmediateCare Logo

ImmediateCare is a medically underwritten single-premium immediate annuity that helps fund long-term care with monthly payments for life.

Legacy Care Logo

With Legacy Care, your clients' single premium accumulates interest tax deferred so they can enjoy interest earned on their interest and single premium. No state or federal taxes are owed until they withdraw the interest.

About State Life

The State Life Insurance Company, a OneAmerica® company, is focused on providing asset-based long-term care solutions. State Life is a recognized leader in providing these solutions, which utilize life insurance, fixed interest deferred annuities and immediate annuities. The company’s extensive Care Solutions portfolio of products helps consumers build a secure future by creating, leveraging and protecting their assets.

Products and Services

State Life’s Care Solutions Portfolio includes Asset-Care® (life insurance with LTC benefits), Annuity Care® (annuity with LTC benefits), ImmediateCare® (immediate annuity for individuals currently receiving long-term care) and Legacy Care® (senior-focused deferred annuity). Learn more about our products.

Financial Strength

State Life has a long history of financial strength, helping the company keep its promise to clients to provide security and peace of mind. State Life’s strength is evident in some of the highest ratings assigned by respected independent industry analysts. See our for complete financial highlights.

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