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CPS Sacramento LTC

Resize image project - 02 September 2026 at 11.05.30

LTC Benefits – Won’t Lose It If You Don’t Use It

One challenge with presenting the need for long-term care is that it is viewed as a risk, not a certainty.
 
It’s not that your clients don’t want the coverage, but convincing someone to allocate funds towards something they may never use can be a difficult objection to overcome.

Good news – Asset Based Long-Term Care (LTC) with Guaranteed Premiums paid for life is here.

It allows your clients to use the LTC benefit if needed – and if they don’t, they can leave the death benefit or accumulated value to their estate.
 
Clients receive a guaranteed amount of life insurance. All of which may be used for qualifying long-term care expenses – also, the premium is credited with a guaranteed interest rate, raising the cash value each month.
 
With the use of the OneAmerica Care Solutions® Rate Calculator, financial advisors can run a quote for key Asset-Care individuals anywhere, anytime. Plus, get an easy to understand take-home guide for your clients.
 
Access the OneAmerica® Care Solutions Calculator and run a quote today
 
Contact your LTC Sales & Marketing Team to learn more.
Resize image project - 26 August 2026 at 10.12.06

A Game-Changer for Agents: The Power of Hybrid LTC Annuities

Have clients over 70 sitting on nonqualified assets but can’t qualify — or don’t want to pay — for traditional LTC insurance? You’ve got a powerful option: Hybrid Long-Term Care Annuities.

The LTC Catch-22

The fastest-growing population segment is adults 85+, yet most aren’t financially prepared for a long-term care event. Traditional LTC insurance is often too expensive, too hard to qualify for, or simply rejected by clients who assume they’ll never need it.

But here’s the win: many of these same clients do have nonqualified assets they don’t plan to touch. That’s where you come in.

Turn Idle Assets into Tax-Free LTC Benefits

Nonqualified annuities offer tax-deferred growth—great for retirement, but painful if liquidated for care expenses due to taxes and fees.

Thanks to the Pension Protection Act, hybrid LTC annuities funded with nonqualified dollars allow clients to access LTC benefits tax-free. No penalties. No income tax hit. And if LTC isn’t needed? The remaining value goes to their beneficiaries.

Why Agents Should Act Now
  • Simplified underwriting – ideal for clients who can’t qualify for traditional LTC.
  • No “use it or lose it” – funds not used for care pass to heirs.
  • Urgency matters – the older the client, the more difficult approval becomes.

Don’t let these opportunities sit idle. Contact your LTC Specialists today to help your clients turn dormant assets into living benefits.

Resize image project - 20 August 2026 at 07.59.05

When Asset Based LTC Is A Fit

Most people will need long-term care services at some point during their lives, and the costs can be staggering.
 
Asset Based Long-Term Care offers your clients an efficient way to plan for these potential expenses with LTC coverage plus as well as a death benefit for cost recovery.
 
Four potential client profiles for Asset Based LTCi.
 
1 | Clients ages 40-80 with “sleeping assets” or cash, such as:
  • Cash, CDs or bonds that are maturing
  • Proceeds from selling a business
  • Funds from downsizing/ selling a home
  • A recent inheritance
CONCERN: Impact a LTC event could have on their spouse, family and finances
PAYMENT: Single Premium
 
2 | Clients ages 55-67 closing in on retirement who are:
  • In the peak of earning capacity with excess income for premiums
  • Preferably age 59.5 or older so they can access qualified money not needed for retirement income
CONCERN: The financial and lifestyle risks LTC expenses could have on their spouse
PAYMENT: 5, 10, 20-pay or pay for life
 
3 | Retirees with IRAs, annuities or income sources to reposition:
  • Required minimum distributions from IRAs not needed for income purposes
  • Annuities not needed for retirement income purposes
  • Social Security benefits not needed for living expenses
CONCERN: Protecting assets/ income and reducing LTC dependence on family
PAYMENT: 5, 10, 20-pay
 
4 | High earners not rich yet (HENRYs) ages 40-55 who:
  • Have excess annual liquidity
  • May have experienced providing care for a parent or grandparent
  • See the value of buying earlier rather than later
  • Would like to insure their parents for LTC to protect their own savings and retirement assets
CONCERN: Protecting assets/ income and reducing LTC dependence across generations
PAYMENT: 5, 10, 20-pay
 
Contact your LTC Sales & Marketing Associate today for more information.
Resize image project - 13 August 2026 at 07.47.28

Protecting Those Who Care For Others

Women often try to find the right balance between juggling careers, spending time with family, and caring for loved ones.

With women living longer, and providing more caregiver services, they become more vulnerable to long-term care issues.

Now is the perfect time to increase your focus on existing and potential female prospects to expand your LTC Insurance business.
 
How You Can Help
 
Women may spend their entire lives taking care of other people. You can help them create strategies to plan for their future and help protect their retirement assets. An LTC Insurance policy can help protect their assets and help them maintain independence in the future.
 
To increase your reach and help your female clients take the first step to long-term care planning, consider these scenarios:
  • Married Couples: Husbands often need care first, leaving less assets for the wife to use for her own care. Review your clients’ long-term goals to ensure both parties have a care plan for the future.
  • Same-Sex Couples: Current financial planning rules can make it tricky to access a partner’s assets when care is needed. Help your clients design a plan to share each other’s benefit dollars.
  • Widowed/Divorced: When a woman becomes divorced or widowed and has no children, there may be no one to take care of her. Almost 70% of women age 75 or older are widowed, divorced, or never married, compared to only about 30% of men. Explain to your female prospects the value of Long-Term Care planning and how a policy can help them protect their future.
  • Adult Children of Aging Parents: In helping adult children with their own LTC planning, they can purchase coverage and have access to our Caregiver Support Services Benefit, which is a great source for advice and helpful information should a long-term care event arise for an uninsured family member, especially Mom.
Reasons to Plan
  • Nearly 60% of LTC Insurance policies are issued to women, indicating that women are acknowledging the need for care.
  • 79.1 years is the current life expectancy for women. The current life expectancy is 73.2 years for men.
  • For every 100 men in U.S. nursing homes, there are approximately 178 women. 
Expand Your Target Market

Look for local women’s organizations in your area and consider hosting an LTC planning seminar to educate women on the risk of not having a plan and the comfort of having one.

Contact Us

Our expert team can offer advice on discussing Long-Term Care with women and how to approach their concerns. Contact us today to learn more.

Resize image project - 06 August 2026 at 07.56.53 (1)

Are You Asking The Right Questions?

Bringing up the subject of Long-Term Care (LTC) Insurance is not always easy, but changes may have happened in your clients’ lives that make this the year to talk about LTC.

The annual financial review is a great time to discuss changes that may have occurred over the past year, and proactively plan in anticipation of events that may impact the success of meeting set goals.

Here are six easy questions you can ask to help get the conversation started:
  • Have you incurred additional expenses because a family member or friend needed care?
  • Have you needed to adjust your work schedule due to a family member or friend requiring supervision or assistance with activities of daily living?
  • Have you recently moved a parent or loved one into an assisted living facility or nursing home?
  • Have you recently become an empty nester?
  • Are you preparing for retirement?
  • Are you concerned with the government changes in healthcare and its inability to deliver a long-term care plan?
A ‘yes’ answer to one or more of those questions should help your clients realize that planning for an extended health care event with a long-term care policy makes sense. In fact, long-term care is not getting old or living in a nursing home – it’s about receiving the care you want, when you need it.
 
Proper planning will ensure your clients won’t have to depend solely on family or friends for unpaid care, or spend down most of their assets to qualify for government assistance. The benefits of a long-term care policy will help cover the costs of the care.
 
Long-Term Care Insurance provides security to families in the event of an untimely health event. Get the conversation started by asking your clients the right questions at their annual review. As a result, you may discover changes in health or planning opportunities based on anticipated needs.
 
Make certain your clients have the right LTC plan in place to meet their needs. Contact your LTC Sales Rep for more information.
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Turn Annuities Into Tax-free Long-Term Care Funding!

Every year, every squirrel collects and stores thousands of acorns in many locations. So many that they lose track of some of the hiding places. As a result, each spring millions of unrecovered acorns begin to grow in uncrowded areas, assuring the next generation of oak trees.

It’s called symbiosis, a close relationship between two parties for the benefit of both.

And you can create a symbiotic relationship for some of your clients who have two concerns that, left alone, create tax disadvantages, to wit:
  • Withdrawals of gain from non-qualified deferred annuities are taxable.
  • Self-funded long-term care expenditures are often non-deductible.

But the Pension Protection Act of 2006 allows a tax-saving symbiosis for clients who own non-qualified annuities and anticipate the need for long-term care.

Consider:
  • Existing non-qualified annuities can be exchanged on a non-taxable basis for approved annuities that allow for tax-free distributions if used to pay long-term care expenses.
  • Underwriting is super-simplified requiring a negative response to only five questions dealing with extreme health issues.
  • A spouse can be added and covering his/her expenses on the same tax-advantaged basis.
  • Until needed the annuity continues to grow like a normal non-qualified product.
  • If unneeded for care, the funds are available for use or to pass on in the form of a gift or bequest.
  • Annuity owners have access to advice and counsel regarding recommended services and appropriate sources for care.

By helping your clients exchange for approved annuities, we can help them make maximum use of annuity accounts by lightening their tax burden should a long-term care event occur. Bring all your clients’ long-term care planning to us.

For What It’s Worth – Oak trees are the most common and widespread hardwood in the U.S. numbering in the tens of billions. The gray squirrel population is around 40 million. But even counting all the other 64 species, every squirrel family is assured of having its own tree or two!

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Life Changes. Should Your Clients’ LTC Strategy Change Too?

Long-term care (LTC) can be one of the most important planning discussions advisors have with their clients—yet it’s often one of the easiest to postpone.
 

The good news? Clients’ life changes frequently create natural opportunities to revisit the conversation.

 
An annual financial review provides the perfect setting to discuss new developments, reassess goals, and identify potential risks that could impact a client’s financial future. It’s also a great time to explore whether a long-term care strategy still aligns with their current needs.
 
Consider asking these six simple questions:
  1. Have you helped cover the cost of care for a family member or close friend?
  2. Have caregiving responsibilities affected your work schedule or personal commitments?
  3. Has a loved one recently moved into an assisted living community or nursing facility?
  4. Have your children recently become financially independent or moved out of the home?
  5. Are you getting closer to retirement or already planning your retirement income strategy?
  6. Have concerns about healthcare costs influenced your long-term financial planning?
If a client answers “yes” to any of these questions, it may be the right time to discuss how long-term care planning can help protect their finances, lifestyle, and family.
 
It’s important to remember that long-term care isn’t just about nursing homes. It’s about having options and maintaining independence when an extended health event requires assistance. A well-designed LTC solution can help clients access the type of care they prefer, whether at home, in an assisted living setting, or in another care environment.
 
Without a plan, families often find themselves relying heavily on loved ones for caregiving support or using personal assets to cover significant care costs. Planning ahead can help ease those burdens while providing greater flexibility and financial confidence.
 
Long-term care insurance can play a valuable role in protecting both clients and their families from the financial and emotional impact of an unexpected health event. By making LTC part of the annual review process, advisors can uncover important planning opportunities and help clients prepare for the future with confidence.
 
Ready to explore the right LTC strategy for your clients? Contact your LTC Sales Representative to learn more.
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Home Care – A Compelling Story

There is a growing movement among health care providers that underscores something we in the Long-Term Care industry have known for years: helping chronically ill people receive the care they need while remaining in their homes is not only what people prefer, but can also be more cost effective than facility care.
 
Compassionate Care
 
According to an article in The Atlantic magazine, home based care is gaining traction as “a more humane, effective, and affordable health care system” than traditional nursing home care.
 
We understand that your clients want to maintain their independence. They want the freedom to make decisions about how and where they receive care.

While health and long-term care insurance differ in services that they provide, we believe that home care benefits are very important.

Today’s LTCi policies contain many benefits that will help your clients remain at home: access to a care coordinator, respite care to give volunteer caregivers a break, homemaker services, caregiver training, as well as extra funds to help pay for home modifications, medical alert systems or durable medical equipment.
 
These built in benefits are a compelling reason to purchase an LTCi policy, especially for high net worth clients, as they provide added peace of mind for family members.
 
Start focusing on the benefits instead of the premiums – call your LTC Sales Reps today for further discussion.
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Why You Need To Talk About LTCI

Most people envision themselves living a long life, investing and planning throughout their working years to create a financially secure future where they can enjoy spending time doing their favorite things.
 
As part of your client’s financial planning process, it’s important to understand the potential impact that needing long-term care may have on their assets, their family, and their future.

The reality is, as people start to live longer, the greater the likelihood is that your clients will require long-term care.

The costs associated with long-term care are significant.
 
While it can take decades to accumulate the assets they’ll need to retire comfortably, just a few years of paying for long-term care may threaten a lifetime of savings.
 
If you’ve ever been in a care-giving situation, you understand the physical and emotional toll it can take. While providing care to loved ones is an act of compassion, placing these burdens on spouses, children and other family members can create a significant emotional and physical strain, and is something that many people would like to avoid.
 
Don’t wait to address your client’s long-term care needs.
 
Incorporating Long-Term Care Insurance into financial plans today can help protect assets, reduce the burden of care that would otherwise fall on family members, and enable clients to receive care in the setting they most prefer, including their home.
 
Perhaps the greatest benefit: Long-Term Care Insurance allows loved ones to care about, rather than care for, each other.
 
We’re here to help you design a plan that is both affordable and the best solution for your clients’ needs – contact your LTCi Sales Reps for guidance.
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MEGA-LTC – Coverage With All The Advantages

The first car insurance was purchased in 1897, by Gilbert J. Loomis of Westfield, MA.It provided $1000 of liability coverage for an annual premium of $7.50. There is no record of how happy Mr. Loomis was when paying for the coverage, but in the 120 years since, few have been enthusiastic about buying automobile insurance. The premiums are high and unpredictable. Getting claims paid properly is difficult. And worst of all: accident-free drivers might as well be throwing the premium dollars out the driver-side window.
 

For a generation, similar complaints have been made concerning long-term care insurance, often discouraging your clients from buying the protection they need.

 
But those product shortcomings are gone! Consider introducing them to a policy that:
  • Guarantees premiums for the life of the policy and allows payment options ranging from single-pay to annual-for-life.
  • Guarantees benefits and allows for benefit inflation options.
  • Guarantees a death benefit, reduced only by the amount of any payments made for long-term care.
  • Guarantees a portion of the long-term care and death benefits even if scheduled premiums are stopped.
  • Guarantees benefits paid retroactively to day one after the 90-day elimination period is completed.
  • Guarantees payment of benefits in cash to be used as the policyholder sees fit.
  • Guarantees division of the benefits between spouses as needed.
  • Guarantees full or partial return-of-premium options in certain policy years if the policyholder chooses to end coverage.
And all the policy features have a range of flexibility in design so the coverage can be customized to meet each client’s particular needs and circumstances. Bring your clients’ long-term care planning to us.
 
For What It’s Worth – The first automobile manufacturer, the Oldsmobile Motor Company, was founded in Lansing, MI, the same year Mr. Loomis bought his policy, but the coverage was on a car he had built himself!

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