Term Life
Affordable coverage for set years
Life Insurance That Cares for You, Today and Tomorrow
Protect yourself and your loved ones with flexible short-term and long-term care coverage designed to cover medical expenses, assisted living, and more.
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Types of Life Insurance
Why Short/Long Term Care Matters
Healthcare costs are climbing faster than most savings accounts can keep up with, and traditional health insurance or Medicare often doesn’t cover the full cost of extended care. Whether it’s a short recovery after surgery or years of assisted living, the financial burden can drain retirement funds and family resources quickly. Short and long-term care insurance gives you a safety net, helping protect your assets, preserve your independence, and ensure you receive the care you need without leaving loved ones struggling to cover the bills.
Short & Long Term Care Benefits
Protect Savings & Retirement
Coverage helps shield your nest egg from being drained by rising care costs—so your retirement stays secure.
Flexible Policy Terms
Choose short-term or long-term coverage periods tailored to your health and financial planning goals.
Choice of Care
Select the setting that fits your lifestyle—whether at-home support, assisted living, or nursing facility care.
Hybrid Options
Combine life insurance and care coverage into a single policy—maximize value without juggling multiple plans.
Tax Advantages
Many policies may provide favorable tax treatment—consult your advisor to confirm what applies to you.
Short‑Term & Long‑Term Care Options
Choose targeted recovery coverage for months—or plan for extended care that protects your savings and your peace of mind.
Short‑Term Care Insurance
Bridges recovery gaps—typically up to 12 months.
Long‑Term Care Insurance
Extended protection for assisted living, nursing homes, or in‑home support.
Who Benefits from Short‑Term & Long‑Term Care Insurance?
Care is expensive. These policies help pay for home health aides, assisted living, memory care, and nursing facilities—so your family and retirement plan don’t get wrecked by care costs. Click a tile to see who gets the biggest win.
Retirees & Pre‑Retirees
Protects retirement income and options for care at home or in a facility.
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- Apply while healthy to lock in pricing and insurability; many find the best value in their 50s–early 60s.
- Choose inflation protection (e.g., 3% or 5% compound) so benefits keep pace with rising care costs.
Family Caregivers / Sandwich Generation
Funds respite and paid help so you can keep working and stay sane.
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- Short‑Term Care (STC): typically up to 12 months of benefits; simpler underwriting; helpful for gaps.
- Long‑Term Care (LTC): longer benefit periods/pools for extended needs; broader coverage options.
Solo Agers & Singles
No adult children nearby? Policies fund paid care and care coordination.
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- Prioritize strong home care and care‑coordination benefits to stay independent.
- Pick an elimination period (e.g., 0–90 days) you can self‑fund so benefits start when needed.
Small Business Owners & Professionals
Protects personal and business assets; possible tax advantages for some entities.
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- Executive carve‑out plans or employer‑paid coverage may be deductible depending on structure—consult a tax pro.
- HSAs can often reimburse tax‑qualified LTC premiums up to IRS limits; confirm current rules.
Term Life Insurance
Coverage for a specific period (e.g., 10, 20, 30 years).
Affordable premiums
Option to convert to permanent
Whole Life Insurance
Lifetime coverage.
Fixed premiums.
Cash value accumulation.
Universal Life Insurance
Flexible premiums and death benefits.
Potential for cash value growth.
Final Expense Insurance
Designed to cover funeral and burial costs.
Simplified underwriting process.
Indexed Universal Life Insurance
Cash value tied to market indexes.
Potential for higher returns with downside protection
Survivorship Life Insurance
Covers two individuals, typically spouses.
Pays out upon the death of the second insured.
Not Sure What You Need?
Answer 6 questions and we’ll recommend your best-fit plan.
Life insurance is a contract between you and an insurance company, where you pay premiums in exchange for a lump-sum payment to your beneficiaries upon your death. It's a crucial step in financial planning, ensuring your family's financial stability.
Life insurance is a contract between you and an insurance company, where you pay premiums in exchange for a lump-sum payment to your beneficiaries upon your death. It's a crucial step in financial planning, ensuring your family's financial stability.
Term Life Insurance
Coverage for a specific period (e.g., 10, 20, 30 years). Affordable premiums.
Option to convert to permanent insurance
Whole Life Insurance
Lifetime coverage.
Fixed premiums.
Cash value accumulation.
Universal Life Insurance
Flexible premiums and death benefits.
Potential for cash value growth.
Final Expense Insurance
Designed to cover funeral and burial costs.
Simplified underwriting process.
Indexed Universal Life Insurance
Cash value tied to market indexes.
Potential for higher returns with downside protection
Survivorship Life Insurance
Covers two individuals, typically spouses.
Pays out upon the death of the second insured.
How It Works
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Choose Care Type & Benefits
Pick Short-Term Care (months of coverage) or Long-Term Care (multi-year). Set your daily/monthly benefit, benefit period, elimination (waiting) period, and optional inflation protection.
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Apply & Underwriting
Answer health questions (some plans require an exam; many do not). We handle the carrier, forms, and follow-ups so you don’t get stuck in paperwork purgatory.
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Benefits & Care Coordination
After approval and first premium, coverage starts. If you can’t perform 2 of 6 ADLs or have qualifying cognitive impairment (per policy), benefits pay for covered care: home health aides, assisted living, nursing facility, adult day care, and more.
Note: Short-Term Care typically covers up to 12–24 months; Long-Term Care can cover several years. Policies use elimination periods and benefit triggers (ADLs/cognitive). Coverage, riders (e.g., inflation), and state availability vary by insurer. We’ll help you compare.
Ready to Protect Your Loved Ones?
Why Choose OnePoint
Personalized Protection – We take the time to understand your family’s needs and match you with the right coverage.
Independent & Unbiased – We shop multiple top-rated carriers so you get the best value, not a one-size-fits-all plan.
Guidance You Can Trust – Our agents explain your options in plain language and are here for you every step of the way.
Affordable Solutions – Flexible policies designed to protect your loved ones without straining your budget.
Local & Community-Focused – We’re part of the same neighborhoods we serve, so you’re treated like a neighbor, not a number.
Learn with OnePoint
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OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
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Frequently Asked Questions
What’s the difference between short-term and long-term care insurance?
Short-term care insurance typically provides coverage for up to 12 months, helping with expenses after surgery, illness, or injury. Long-term care insurance, on the other hand, is designed for extended needs such as nursing home stays, assisted living, or in-home care over several years.
Can I combine long-term care insurance with life insurance?
Yes. Many insurers now offer hybrid policies that combine life insurance with long-term care benefits. This means if you don’t end up needing long-term care, your loved ones will still receive a life insurance payout.
Does Medicare cover long-term care?
Medicare only provides limited short-term skilled nursing or rehabilitation coverage. It does not cover most costs associated with long-term custodial care (like assisted living or nursing homes). That’s where long-term care insurance steps in.
Is there an age limit for applying?
Most people apply in their 50s or early 60s while premiums are still affordable. While older applicants may still qualify, costs increase significantly with age and health conditions.
How much does long-term care typically cost?
Costs vary by location and type of care. On average in the U.S., assisted living can run $4,500–$6,000 per month, while nursing homes may exceed $9,000 monthly. Insurance helps protect against these rising expenses.
Can I choose where I receive care?
Absolutely. Policies often cover multiple settings, such as in-home care, assisted living, adult daycare, or skilled nursing facilities, giving you flexibility and control over how you want to be cared for.
Talk to a Real Agent
Call, text, or click. We’re ready when you are.
888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
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We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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