Asset Care
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Reimbursement or Indemnity
If you have been paying attention to my weekly LTC Coffee Break broadcast schedule, you’ll have noticed this week that Michael Florio and I discussed the topic of reimbursement and indemnity policies. (My shameless plug – in the time that it takes for you to finish a medium coffee from Dunkin, we will share you… Continue reading
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Return of Premium – Asset Care
As we have been navigating through this complicated time, one consumer concern that has been brought up often is the desire to maintain liquidity for an emergency. This has led to inaction where the LTC exposure is not addressed or a funding strategy where recurring premium strategy is used to fund Asset Care. Did you… Continue reading
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Using Qualified Money for LTC
You probably know some people with IRAs, 401(k)s, or 403(b)s – right? Qualified dollars have their issues You can’t avoid eventually paying taxes on pre-tax money that grows tax-deferred. Required Minimum Distributions (RMDs): Money needs to be taken out beginning at 72, whether your client wants it or not. When qualified money passes to heirs… Continue reading
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Care Solutions University Invitation
Under ordinary circumstances, we bring 75 hand-selected advisors and marketers to our corporate headquarters in Indianapolis to spend 2 days learning about our Care Solutions Asset Based LTC solutions (Asset Care and Annuity Care) in detail and diving deep into the company story and building long lasting relationships. You are invited to our upcoming “Virtual… Continue reading
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Heading Back to Business
Over the next few weeks as we begin to move on from this “shelter in place” segment of our lives to return our business to a “normal” footing, I will share a few ideas that might fit into your client conversations. One underutilized opportunity that you have available to you are consumer campaigns and seminars… Continue reading
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Claims Concierge – Making It Easier
We are in the business of providing a financial solution to a family when they most need it. And, when an extended healthcare event occurs, there is no more important time during our relationship. That is why the OneAmerica® Care Solutions Claims Concierge program was developed. Hear about the impact of our Claims Concierge in… Continue reading
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Pre-Underwriting Improves Process
One thing that most of us complain about is the “cycle time” for a policy to be issued. An area that experiences more than their share of criticism is underwriting. Here is a tip that will certainly improve not just the underwriting experience but the consumer experience in terms of the initial client conversation, expectation… Continue reading
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Application Submission Options
There are two ways to submit applications for OneAmerica’s Care Solutions products -traditional paper process or electronically. With the “shelter in place” requirements in many of our communities, electronic submission is the safest (and quickest) route to go. The e-Application option is available on the following platforms: OneSource Online OneAmerica Care Solutions Calculator iGo AnnuityNet… Continue reading
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Illustrating Qualified $
Thank you for everyone who joined me for my webcast yesterday where I discussed using qualified money to fund long term care. My next webcast is Thursday, April 9 at 11:00 when I discuss how to get tax-free long term care funding from the tax-deferred accumulation of a deferred annuity or cash value life insurance.… Continue reading
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What Asset Care Provides
For the past few weeks, I have shared ideas and information about using qualified money as a funding source for Asset Care. What I have not done is share with you what it offers your clients. Aside from using a resource that will be required to be tapped for income by the age of 72… Continue reading
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Use IRA to Fund LTC with Asset Care
Funding Asset Care with qualified money (traditional IRA, 401k, 403b, etc) is a simple concept. Here is what you need to know at a high level. You will certainly have questions – please contact Justin Fox at (844) 658-3725 or via email at justinfox.isp@oneamerica.com . Register for my upcoming webinar taking place March 5 at… Continue reading
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Qualified Money Funds LTC
You probably know some people with IRAs, 401(k)s, or 403(b)s – right? Qualified dollars have their issues You can’t avoid eventually paying taxes on pre-tax money that grows tax-deferred. Required Minimum Distributions (RMDs): Money needs to be taken out beginning at 72, whether your client wants it or not. When qualified money passes to heirs… Continue reading
Fridays with Fisher 
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