OneAmerica long-term care insurance

What they offer

Coverage type: Hybrid. Known for its Asset-Care line, issued through The State Life Insurance Company.

Long-term care coverage falls into two families — traditional standalone policies and hybrid (linked-benefit) policies. See types of plans for how they differ.

How OneAmerica scores

Our disclosed, weighted methodology scores every carrier on four criteria. Here's the breakdown for OneAmerica:

Financial strength

Because a long-term care policy may be held for decades, an insurer's financial strength matters. OneAmerica's A.M. Best financial-strength rating is A+, affirmed September 19, 2025 (source). S&P Global rates State Life AA-, but revised the outlook from stable to negative on September 8, 2025 — the rating itself hasn't moved and A.M. Best's outlook remains stable, but a negative outlook from any agency is worth knowing about. Ratings are typically reaffirmed annually — verify OneAmerica's current rating directly with A.M. Best or the carrier before you buy. See how we score carriers for the full methodology.

Visit OneAmerica's website

Please note: This profile is general information, not an offer of coverage or an endorsement. Product availability, features, and pricing vary by state, age, and health, and change over time. Confirm OneAmerica's current offerings with a licensed agent before making any decision. LongTermCareInsurance411 is not affiliated with OneAmerica.