Flex: Faster, smarter and simpler underwriting is coming
At OneAmerica Financial, we know your time is valuable. That’s why we’re launching Flex for Asset Care — our modernized new-business and underwriting platform that streamlines the way applications are submitted, reviewed and approved.
With Flex, we’re reducing turnaround time, simplifying the process and helping you deliver a better experience to your clients. To deliver these enhancements, we’re also making changes to our Asset Care paper application process. OneAmerica Financial offers base Annuity Care® solutions that empower your clients to convert non-qualified annuity gains into tax-free funds for future long term-care expenses, regardless of cost basis or gain.
What’s new with Flex?
Flex brings together the tools you’ve been asking for:
- Faster decisions – Enhanced straight-through processing keeps simple cases moving, while underwriters focus on more complex ones — with some cases eligible for same-day approval.
- Enhanced process without an interview – Fluidless underwriting no longer requires phone interviews to complete the Part 2 medical questions, speeding up applications.
- Smarter applications – Reflexive medical questions reduce unnecessary follow-ups, while real-time ID verification catches errors early.
- Automated ordering – Paramed exams and labs are triggered automatically when necessary, avoiding duplication and delays.
- Streamlined signatures – E-signature enhancements make the process smoother, especially for joint applicants.
- Upgraded cognitive testing – The Enhanced Mental Skills Test (EMST) provides a more reliable measure during both fluidless and full underwriting.
When and where will Flex be available?
Flex is scheduled to launch Monday, Oct. 6, 2025, beginning in 39 states. Please reference our state-specific guide to keep up-to-date on the current processes for each state you do business in. We’ll communicate additional state rollout dates as they become available.
Available resources include:
- Resource Hub – one place for all information and resources
- Asset Care Process Guide
- State-specific product and process approvals
- Side-by-side process comparison
- Transition Tips and FAQs
- Asset Care Flex Process Infographic