Today’s episode of The Cashflow Chronicles is one you do not want to miss—especially if you're 35 or older and serious about protecting your wealth and your family’s future.
Shawn King sits down with Michelle Prather from OneAmerica to talk about a powerful but often overlooked financial tool: Asset-Based Long-Term Care. This is not your grandfather’s LTC policy—Michelle breaks down how today’s modern version is built on a whole life insurance foundation, offering protection, guarantees, and peace of mind that traditional LTC just couldn’t provide.
📺 Want to follow along with visuals?
Head over to our YouTube channel, Legacy Life and Retirement, where Michelle gives a live, slide-based walkthrough of the entire product and strategy so you can see how it works in real time.
👉https://www.youtube.com/@LegacyLifeRetirement
• Why Long-Term Care is one of the most important but overlooked parts of a real financial plan
• How OneAmerica’s LTC product differs from the old-school version your parents may have had
• The benefits of LTC built on a whole life policy chassis
• Real-world examples of how this policy can protect you, your spouse, and your estate
• The massive cost of long-term care in retirement—and how pennies on the dollar today can save you tens of thousands later
• What makes this policy one of the only options that covers both individuals and couples
• Why the best time to get it is in your 30s or 40s (while it's more affordable and easier to qualify for)
Most people wait until it's too late to think about long-term care. But wealth isn’t just about growing money—it’s about protecting it. And this tool gives you the power to do both:
✅ Grow your wealth through a properly structured whole life policy
✅ Access tax-advantaged cash value
✅ AND have robust long-term care coverage in place—without ever “losing your money” like old LTC plans
If you’re 35+ and don’t yet have a real long-term care plan in place, this episode could literally save your retirement.
Watch the full visual overview on YouTube and then schedule your free consultation to see if this strategy makes sense for your life.
📺 Watch the YouTube Overview w/ Michelle Prather:
👉 https://www.youtube.com/@LegacyLifeandRetirement
📞 Book Your FREE Cash Consultation Call with Shawn:
👉 https://calendly.com/shawnksfg/infinite-banking
🔗 Explore More Resources:
👉 https://linktr.ee/legacylifeandretirement
🌐 Visit the Website:
👉 https://legacylifeandretirement.com
📧 Contact Shawn Directly:
👉 Info@LegacyLifeandRetirement.com
The earlier you plan, the more powerful this becomes.
The information is free—but the knowledge is priceless.
Don’t wait—protect your assets while you still can.
In this episode, we cover:Why This Matters:Call to Action: