--- title: Using CDs to Fund Long-Term Care? There’s a Better Way description: Transform idle cash and CDs into powerful long-term care protection and legacy benefits with Asset Care® by OneAmerica®. Discover a smarter, more flexible financial strategy today. image: https://synergyannuity.com/hubfs/AI-Generated%20Media/Images/rising%20health%20care%20costs%20displayed%20with%20stacks%20of%20coins%20rising%20and%20a%20stethascope%20woven%20in.jpeg --- [Skip to content](https://synergyannuity.com/news-you-can-use/using-cds-to-fund-long-term-care-theres-a-better-way#main-content) ![Synergy Logo-#](https://synergyannuity.com/hs-fs/hubfs/Synergy%20Logo-%23.png?width=150&height=101&name=Synergy%20Logo-%23.png) - [Home](https://synergyannuity.com/) - [About](https://synergyannuity.com/about) - [Contact](https://synergyannuity.com/contact) Open main navigation Close main navigation - [Home](https://synergyannuity.com/) - [About](https://synergyannuity.com/about) - [Contact](https://synergyannuity.com/contact) - [Contact us](https://synergyannuity.com/contact) [Contact us](https://synergyannuity.com/contact) Apr 11, 2025, 11:00:00 AM # Using CDs to Fund Long-Term Care? There’s a Better Way ![Picture of Eric Estrada](https://synergyannuity.com/hs-fs/hubfs/EE%20Head%20shot%202.jpg?width=50&name=EE%20Head%20shot%202.jpg) [Eric Estrada](https://synergyannuity.com/news-you-can-use/author/eric-estrada) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://synergyannuity.com/news-you-can-use/using-cds-to-fund-long-term-care-theres-a-better-way) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://synergyannuity.com/news-you-can-use/using-cds-to-fund-long-term-care-theres-a-better-way) [Twitter icon](https://twitter.com/intent/tweet?url=https://synergyannuity.com/news-you-can-use/using-cds-to-fund-long-term-care-theres-a-better-way) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://synergyannuity.com/news-you-can-use/using-cds-to-fund-long-term-care-theres-a-better-way) [envelope icon](mailto:?body=https://synergyannuity.com/news-you-can-use/using-cds-to-fund-long-term-care-theres-a-better-way) Your clients may be sitting on CDs, savings accounts, or money market funds that offer little more than emotional security. In reality, these conservative assets are often earning less than 2% annually—and that’s before taxes and inflation take a bite. For clients who want **safety**, **liquidity**, and **leverage**, there’s a smarter alternative: **Asset-Based Long-Term Care (LTC)** funded with a single premium. One product stands out in this space: **Asset Care® by OneAmerica®**. --- ### **What Is Asset-Based LTC?** Asset-based LTC combines **whole life insurance** with **long-term care protection**. With one lump-sum premium (often repositioned from a CD or idle cash), your client gets: - A **guaranteed death benefit** - **Tax-free LTC benefits** (if needed) - Access to **cash value** - Return of premium options (for emergency access) - No premium increases, ever --- ### **CDs vs. Asset Care®** | Feature | CDs | Asset-Based LTC (Asset Care®) | | --- | --- | --- | | **Principal Protection** | ✅ Yes | ✅ Yes | | **Tax-Deferred Growth** | ❌ No | ✅ Yes | | **Long-Term Care Coverage** | ❌ None | ✅ Leverages dollars 3–5x | | **Death Benefit** | ❌ No | ✅ Yes – income tax-free | | **Liquidity** | ✅ Yes (with penalties) | ✅ ROP options, cash value | | **Inflation Protection** | ❌ No | ✅ Optional rider available | | **Legacy Benefits** | ❌ No | ✅ Yes | --- ### **Why It Works for CD Clients** **1. Leverage Conservative Money for More Protection** Instead of earning 1–2% in a CD, a client can reposition $100,000 into Asset Care® and immediately create: - **$250,000+ of LTC benefits** - **A guaranteed death benefit** - **Lifetime LTC protection** (optional rider) **2. Access to Funds** Asset Care® includes **Return of Premium (ROP)** options that let your clients access 100% of their money (minus any used benefits) if they need it in an emergency. It’s **not a use-it-or-lose-it product**. **3. Peace of Mind—Regardless of Outcome** - If they **need LTC**: they use the benefits—tax-free. - If they **don’t need LTC**: the unused value passes **tax-free** to their heirs. - If they need cash: many options offer **withdrawals or loans** from the policy. **4. Joint Coverage Available** Spouses can share one policy and one pool of LTC benefits. This can simplify planning and potentially lower overall costs. --- ### **Ideal Clients for This Strategy** ✅ Ages **60–80** with idle cash or CDs ✅ Concerned about future health costs or protecting retirement income ✅ Interested in **leaving a legacy**, even if care is never needed ✅ Want access to money but don’t need it immediately ✅ Prefer **guaranteed benefits** and **no future premiums** --- ### **Final Word: From Idle Cash to Purposeful Protection** CDs may offer safety—but they don’t offer **leverage**, **legacy**, or **long-term care protection**. With Asset Care®, your clients can turn that underperforming asset into something **powerful, flexible, and meaningful**. > Don’t let their money sit idle. > Help it **protect their lifestyle, their family, and their future**. --- Need a case design or client-ready proposal? I can help with illustrations, product comparisons, and sales language for this exact conversation. Let’s turn CD renewals into LTC solutions. 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