LTC Plans

We feature Life/LTC linked benefit, hybrid plans from A+(Superior) rated carriers. Linked benefit, hybrid Life/LTC plans have tremendous advantage over stand-alone LTC plans. With linked benefit plans, hybrid plans either the policy owner or the beneficiary will receive (1) leveraged LTC benefits, (2) a higher, leveraged death benefit amount, or (3) a return of premiums. That's not true with stand-alone LTC plans into which a policy owner can pay a lot of premiums, and unless LTC benefits are paid out, never receive anything in return.​ Our products feature:

  • Rates and benefits guaranteed, locked-in from day-one.

  • We can put two lives (spouses or partners) on the same policy.

  • Return of Premium options are available.

  • Premium payment options from single pay, to short pay, to ongoing level pay are available.

  • Benefits period options from 25 months to unlimited/lifetime.

Use the following to help educate your clients:

Add Our LTC Mobile Quote App To Your Phone or Tablet


Using your phone or tablet, click here.

When you see the input screen, use the menu on your mobile device to "add to home screen". You'll now see a new One American icon on your screen you can tap to open for quotes anytime, anywhere.