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SmartCare
Hybrid Life Insurance with Long-Term Care Benefits.
A two-in-one solution for life’s what-ifs.

What is SmartCare?

SmartCare is a hybrid life insurance policy designed to protect your loved ones — and your retirement. It combines life insurance with long-term care (LTC) coverage, offering financial protection no matter what the future holds.

It provides:

A guaranteed death benefit for your beneficiaries
Access to long-term care benefits if you need care while you're living
The ability to grow policy value over time

How It Works

Prepare for the Unexpected

SmartCare helps cover future LTC expenses without compromising your legacy. You get a predictable way to manage care costs — while keeping life insurance in place.

Guaranteed Protection

You’ll receive a guaranteed death benefit² — and if you choose the indexed growth option, your cash value is protected from market losses.

Opportunity for Growth

Your policy value has the potential to grow, and you can lock in LTC benefits at any time. It’s flexible, smart, and built for real life.

Why Choose a Hybrid Policy?

LTC costs are rising and may not be covered by traditional insurance or Medicare
A hybrid policy ensures your money goes to good use — either to care for you or to support your family
You won’t face a “use-it-or-lose-it” scenario

SmartCare in Action

Sarah and John planned for their retirement with SmartCare.

When John needed at-home care, their policy kicked in — without tapping into savings or altering their long-term plans.

Tailor It to Your Life

With SmartCare, you’re in control.

Customize your policy with:

Income options tailored to your priorities
LTC coverage that adjusts as your life evolves
A flexible strategy to cover both care needs and family legacy

Common Questions to Ask Your Financial Professional

Does it make sense to add LTC coverage if I already have life insurance?
Could long-term care planning help protect my assets, like my home or savings?
What does underwriting look like for a hybrid policy like SmartCare?
How can I choose a provider I can trust to be here decades from now?
If I need care early, will I have access to my benefits?

Let's Talk

SmartCare is available only through licensed professionals.

Don’t have one yet? We’ll help connect you with someone who can walk you through the options.

Contact Us

Important: SmartCare is not a traditional health insurance policy and does not meet the requirements of state long-term care programs. Benefits, availability, and underwriting will vary by state and provider.

Heritage One Insurance is committed to helping families plan with purpose, protect what they’ve worked for, and navigate the unexpected with confidence.

SmartCare Hybrid Life Insurance with Long-Term Care Benefits. A two-in-one solution for life’s what-ifs.