ICE & 4 Ls From Niki Johnson

A couple weeks ago on Coffee Break, I was joined by Jen Wagoner, Elaine Marvin, and Niki Johnson to share some perspectives about our Asset Care Return of Premium product.  If you have not seen the January Coffee Break, you can check it out here.  Or, you go to the website LTCcoffeebreak.com where you can... Continue Reading →

Asset Care ROP Color Commentary

Last week, our first Coffee Break episode of 2022 was released.  In it, I was joined by Jen Wagoner, Elaine Marvin, and Niki Johnson.  We talked about the Asset Care Return of Premium product solution that was introduced with the 2017 Asset Care reprice.  If you have not seen the January Coffee Break, you can... Continue Reading →

Asset Care Left Pocket to Right

Earlier this week, I released a new episode of Coffee Break focusing on the Asset Care Return of Premium product.  Jen Wagoner, Niki Johnson, and Elaine Marvin joined me to share their perspectives on the product.  Please, grab yourself a cup of coffee and take a few minutes to hear what they shared. If you... Continue Reading →

Moving on from 2022

2022 is almost history.  For some, it is good riddance. For others, there are fond memories.  No matter how you slice it time rolls on and 2023 is upon us. Before we roll into the new year, I want to remind you of a few things for 2022 that might prove to be useful in... Continue Reading →

Asset Care Premium Reduction

That's right - you heard me ... Asset Care premiums will be decreased for the second time in 2022. This will be effective December 9, 2022. New rates will not be available to illustrate until that date. Here are the funding strategies being impacted: Single Premium, including Single Premium Drop In Rider, Recurring premium 5-pay... Continue Reading →

State Sponsored LTC Webcast

Funny what a year can do. Think about that statement and where we as an industry were. The enrollment deadline for the Washington state Cares Act was looming, business was swamping carriers, and everyone seemed to be losing their collective minds from the chaos that resulted. Today, the waves has passed, the Act was paused... Continue Reading →

Can Your Plan Do This?

While I was returning home from my vacation, I was doing a Google search on “why should I buy LTC insurance”.  The first website that came up was a landing page for a LTC specialist with an interesting approach. First was a statement of what we value.  Let me parapharase: We love our family We... Continue Reading →

Memory Care &OneAmerica

In last week’s Fridays’ with Feature, I requested your support for the Alzheimer’s Association and their Walk to End Alzheimers.  As you are likely aware, the impact of Alzheimer’s and other memory issues is significant and one of the most quickly growing causes for requiring extended healthcare. According to the Alzheimer’s Association, the average duration... Continue Reading →

An Idea From My Dad

Let me lead off with where I ended last week .... Give me a call with your next LTC case. At worst, I will confirm whether we can compete and win or not. At best, you have options that you might not have known about. I firmly believe that we can do more for you... Continue Reading →

Underwriting Rated Cases

Last week, I made a bold statement that EVERYONE wants the "layup" business where the clients are in good health and can be moved through underwriting based upon a phone interview. It's true - anyone can do that. What is also true is that OneAmerica chooses to offer solutions to more people because OneAmerica is... Continue Reading →

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