Annuity Care… I’ve got this 31 May 2019May 8, 2019 A long term care claim does not need to be permanent for an insured to receive benefits from a policy. As noted in "Is it covered?", life insurance with chronic illness…
Asset Care… Is it covered? 31 May 2019May 8, 2019 I have a few concerns about using life insurance as a funding strategy for long term care. I don't mean in the sense of a true linked benefit / asset-based…
Fridays with Fisher… Q&A – Indemnity v Reimbursement 31 May 2019May 8, 2019 Question: There are a couple companies who offer indemnity plans. Do you have any information how they compare to reimbursement plans? Answer: We certainly do. As a matter of fact,…
Continuation of Benefit Rider… Q&A – Funding with SPIA 24 May 2019May 6, 2019 Question: Last week, you shared the funding sources. Am I correct to assume that a single premium immediate annuity is a viable funding strategy? Answer: The "LTC Protection at Your…
Asset Care… Asset-Care … Five Points 24 May 2019May 6, 2019 Let's have a little talk about Asset-Care. Specifically, I want to highlight five points that separate Asset-Care from the pack. Joint-LTC Benefit Asset-Care's joint solution offers a unique value as…
Asset Care… Gifting LTC 24 May 2019May 6, 2019 So, you want some ideas - here is one that I think is pretty cool - using a gifting strategy to purchase LTC protection. When your client's have their LTC…
2017 CSO Launch… Asset Care Changes 5.22 update 22 May 2019May 22, 2019 All issuers of life insurance are required to reprice the products to align with the 2017 CSO mortality table. This includes Asset Care. As a result, the whole of Asset…
Continuation of Benefit Rider… Q&A – Funding Sources 17 May 2019May 6, 2019 Question: With so many different strategies for funding, is there a single place where I can go to get that information? Answer: There certainly is. The "LTC Protection at Your…
Care Solutions… Claims Concierge Video 17 May 2019May 3, 2019 Care Solutions from OneAmerica has provided LTC benefits for nearly 30 years. (If you didn't know that, you either haven't heard me speak or I blasted through that so fast…
Annuity Care… Q&A -Need Tax Info 10 May 2019May 1, 2019 Question: All of this stuff that you mentioned in the last article has got me wondering if you have resources available that can help answer design strategies and/or tax questions. What…
Annuity Care… Individual Policy 1035 Funds Joint Policy 10 May 2019May 3, 2019 YOU NEED TO READ THIS ARTICLE AS IT EXPLAINS HOW THIS CAN BE ACCOMPLISHED. Earlier this week, I was asked if there is a way to fund a joint policy…
Fridays with Fisher Q & A – PPA & Annuities 3 May 2019May 1, 2019 Question: What does the Pension Protection Act do for deferred annuities? Answer: Starting on January 1, 2010, cash value withdrawals from specific annuity contracts used to pay for qualifying long-term care expenses…
