November is designated as Long Term Care Awareness Month and is recognized by many states and Congress as such. Here are a few Did you knows about LTC. More than 75% of adults who will receive LTC services will receive them at home. On average, 21 hours of care are provided per week when that... Continue Reading →
From The Road – Opportunities
If you have been paying attention these last few weeks, Michael Florio and I have taken to the road to share our LTC Coffee Break discussion and share the OneAmerica story. If you were able to join us - thank you. In the event that you could not join us and would like an in-person... Continue Reading →
FAQ from Regional Meetings
This week, Michael Florio and I kicked off our OneAmerica Regional Meeting series at the Basketball Hall of Fame in Springfield, MA and at Davio's - Patriot Place in Foxboro, MA. What came out of the meetings was a sharing of ideas by those people who participated in our events. We have two coming up... Continue Reading →
The Value of Two
This week, I am sharing a quick idea or two based upon a conversations that I had this past week with producers and advisors. Just a reminder, that I am back in business and on the road meeting in-person (one-on-one, small groups, or agency-level meetings). This leads me into my shameless pitch for our upcoming... Continue Reading →
Did you know – Monte
In last week’s Fridays with Fisher, I shared with you my high-level viewpoint on both the physical and fiscal risk that extended healthcare events pose. One point that I tried to make is that there is a parallel between long term care insurance and disability income insurance. Simply, they both provide as a means to... Continue Reading →
OneAmerica Resources
Earlier this week, we hosted our first virtual Care Solutions University of 2021. If you are unfamiliar with Care Solutions University, it is immersion training for the OneAmerica Care Solutions suite of asset-based long term care products and services. Last year, due to the pandemic, Care Solutions University moved to the virtual realm from an... Continue Reading →
Client Profile
A lot has been said and written about the ideal client profile for long term care insurance. And, one thing that the industry as a whole has been saying loudly is "the best time is when you are young." Without delving into the benefits of securing coverage at a young age, the risks associated with... Continue Reading →
Care Solutions Illustrations
It doesn't matter what you call them - proposal, hypo, quote, or illustration - they all provide similar information intended to help educate, inform, and inspire the client to take action. (The close of that sentence is stolen from the goals of LTC Coffee Break. Which reminds me - check out LTC Coffee Break at... Continue Reading →
Premium Funding Using Existing Sources
At the start of the month, I asked the following: Name a long term care premium funding source that does not come from income, income producing assets, or qualified money. The answer to my inquiry is exercising a 1035 exchange from a cash value life insurance policy into Asset Care or one of our Annuity... Continue Reading →
Virtual Product Training
Learn About the deepest set of solutions in the industry If you've been around the industry for any time, you will understand the changes and challenges that long term care insurance has faced. For better or for worse, it is an evolving landscape of solutions. The is one constant - OneAmerica's Care Solutions. For over... Continue Reading →
Deep Dives
As the leader in asset based long term care, OneAmerica does not believe in a "one size fits all" approach to long term care funding. From pay-as- you-go to annuities to qualified money to 1035 exchanges, the Care Solutions portfolio offers premium flexibility. On top of that, Care Solutions products can provide benefits for a... Continue Reading →
Riverboat or Yacht
Yesterday, I shared a video that I shot from the banks of the Savannah River. While it was somewhat "lame", the intent is to illustrate an analogy that I have heard a few folks use regarding deferred annuities. Riverboat or Yacht? Simply - the question that is asked to advisors is "are you talking to... Continue Reading →
Fridays with Fisher 
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