Asset Care
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Use Qualified Money
Last week, I spoke about using qualified money as a funding vehicle for an Asset Care policy. I even called out other carriers who offer something like the strategy using a Single Premium Deferred Annuity (which is not a turn-key solution). PLEASE NOTE: This is not an endorsement for any particular strategy. It is simple… Continue reading
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Just like OneAmerica but …
I’ve been on a tear for the past couple of weeks about other carriers being “just like OneAmerica”. The only thing worse is when they spin something that OneAmerica has done for decades as something new. It’s not new … it’s asset-based long-term care. That has been a planning solution for nearly 4 decades. And,… Continue reading
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Just Like OneAmerica except …
Last week, I shared a little bit of what I hear from many people who are unaware of the OneAmerica Financial Care Solutions product suite. In many cases, it starts with an idea of leveraging annuity money into tax-free long-term care benefits (something that OneAmerica has done for 2 decades). And, expands when I hear… Continue reading
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Underwriting – Get off to a good start
This week, I want to pull your attention from the annuity product solution and talk about underwriting. At OneAmerica Financial, all of the asset-based LTC solutions are underwritten. And, the level of underwriting is dictated by the product, plan design, funding strategy, and client dynamics such as age and health. Here is an important reminder… Continue reading
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Ask “what if” to that other annuity solution
Over the past few weeks, I’ve shared, thus the use of Annuity Care & Indexed Annuity Care for both a nonqualified and qualified annuity funding opportunity for LTC funding. Along with that, I shared the only turn-key strategy in the industry with Asset Care. They all garnered push-back from people telling me, “I can do… Continue reading
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A million five and the qualified money idea
For the past few weeks, we have been focusing on the statement from an advisor that $1.5 million is enough to “self-insure” (his words not mine). Last week, I shared the leverage story of using annuity dollars and Annuity Care II as a way to improve the situation. As I have come to expect, the… Continue reading
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$1.5 million and how I got there
Last week, I shared my concern about the fallacy of having $1.5 million in assets (excluding your home’s value) being enough to skip LTC insurance. Boy, did I get some feedback on that – some was supportive; some was not so kind. If you recall, I did say “you can rip this apart in a… Continue reading
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Client Reviews
Last week, I talked about reviewing your book of business in order to mine opportunities. In all likelihood, you already do client reviews but, it serves as a reminder that best way to grow your book of business is with the clients that you already have. The second part to this is that the review… Continue reading
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Review Your Clients
Last week, I shared with you 3 of my goals for the first quarter of the year. One of them is to collaborate with agents & advisors to identify opportunities within their existing book of business. Regardless of how you dissect your book of business, there is one thing that you need to do –… Continue reading
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Welcome to 2026
We are 1 day into the new year. HAPPY NEW YEAR!!! One thing that we all do is make resolutions that we ultimately end up dismissing during the course of the year. I’m guilty – I do that and did that in 2025. This year, I took it up to do some thinking and research… Continue reading
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Time to Get Personal
Last week, I talked about reviewing your book of business and combing for opportunities within your client base. This week, I will talk about reviewing someone’s long-term care plan. “You talk about that all the time,” you say. That is true. Today, however, I am making it personal. I want YOU to review YOUR plan… Continue reading
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Make Underwriting Smoother
For the past month, I’ve shared with you the enhancements to the OneAmerica Financial Asset Care underwriting process called Flex. If you want more, here is a link to last week’s FWF. Flex underwriting is intended to make the process quicker. The ideal way to do this is submitting the application via eApp. Here is a… Continue reading
Fridays with Fisher 