We are a month into 2024 and I’ve just returned from the annual OneAmerica Financial National Sales Meeting.
There are a few important pieces of information that I need to share with you.
First, OneAmerica has rebranded to OneAmerica Financial. Keep your eyes and ears open for more information including a new OneAmerica Financial television commercial.
Next up is my (actually your) Care Solutions team. Justin Fox remains as my dedicated internal sales partner. If you require illustration or any back office type of support assistance, Justin is your best resource. Justin can be reached via email at justinfox.isp@oneamerica.com or directly at (844) 658-3725.
Let’s shift our focus to an important differentiator in the asset-based LTC space – underwriting. One thing that I’ve heard over and over from our distribution partners is how much more OneAmerica Care Solutions can do for a challenging case. Keeping this in mind, it is important to remember that every piece of business that is received will be underwritten in some way.
To make things work more efficiently, here is a little nugget that every producer/agent/advisor should do. Before taking an application, review the ineligible impairments list with the client (Asset Care and Annuity Care have different criteria). If their malady or medication is on the list – it will be a declined.
Annuity Care Ineligible Impairments:
Asset Care Ineligible Impairments:
If a client has a health history that might be challenging or multiple maladies or might be taking several medications, I would suggest that you submit an informal inquiry to our underwriters using the Pre Underwriting Inquiry form. Within 24 hours, you will receive a response from an underwriter. Scan the QR code for the PUI document.
One last thing about underwriting, if you have any questions at any time about underwriting, let us know. We are a resource for you and, at worst, we bird dog an answer for you.
One final thing – for the past decade, I have shared ideas in my weekly Fridays with Fisher e-blast & blog post. Please help me grow by sharing this invitation link or QR to other agents and advisors.
Link: https://loom.ly/WqgFJyM
If you want more information please contact either Justin Fox, my internal, or me directly.
Final note: if you scroll to the bottom, you will find a quick hit idea and link.
In the February episode of Coffee Break, we shared with you the NEW OneAmerica Financial as well as a navigational overview of the updated OneAmerica.com website. If you have not viewed it, please take a minute to see this week’s episode.
Jumpstart your year with the Million Dollar Annuity Strategy.
It is easy to do … review your book of business and identify your clients who are over 75 and own annuities that are on the sideline and have been earmarked for an emergency. This is a big thing that can make a difference in preserving assets, control, dignity, and a legacy when an extended care event occurs.
This is what the million dollar annuity strategy is all about. The transformation of tax-deferred money into tax-free distributions for long term care. Learn more about it at https://fridayswithfisher.com/million-dollar-annuity/.
My “big ask” of you for the million dollar annuity strategy is to identify 3 or 4 annuity owners 75 or older who might be viable candidates for our leverage strategy then give us a call.
Fridays with Fisher 
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