Asset Care
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More on Flex Underwriting
On October 6, Flex Underwriting for Asset Care was launched in more than 35 states. All business submitted electronically, whether it was through to OneAmerica Financial producer portal (OneSource Online) or your organizations eApp platform, was the beneficiary of Flex. As I noted in an earlier FWF, paper is impacted as well but the impact… Continue reading
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Flex Underwriting Paths
We have been talking about underwriting for the past few weeks, specifically the introduction of Flex Underwriting that was rolled out in 35 states on October 6. If you want a 3 minute overview of the program, we have one on the Flex Underwriting Resource page. You will also find there the revised process guide… Continue reading
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Flex Overview
Earlier this week, Flex Underwriting was introduced in 35 states. In a nutshell, Flex Underwriting provides you with an opportunity to accelerate the speed of underwriting for the Asset Care product. Submitting business via eApp is the ideal way to utilize the power of Flex Underwriting. Not only will the eApp be ensure that it… Continue reading
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Flex Underwriting is here!
Coming your way on October 6 in more than 35 states is Flex Underwriting for the Asset Care® product. Flex Underwriting will be delivering added speed, enhanced intelligence and a more streamlined experience to even more of your cases. The launch of Flex Underwriting marks another important step forward in our commitment to leveraging technology while delivering… Continue reading
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It’s time to start
According to estimates from the U.S. Department of Health & Human Services, over half of Americans turning 65 today will develop disabilities significant enough to require long-term support and services. This differs from the oft quoted and heavily criticized statistic of 70% of people age 65 will need some form of long-term support and service… Continue reading
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Easy street or work for you
I’ve got a challenge for you. We all know that you can (and do) write business with other carriers. It’s just a fact and I don’t begrudge you for it. In fact, finding the best solution possible for your client is what we are supposed to be doing. Let me ask this question. Are you… Continue reading
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I’ve got a client who
We’ve all said this at one time or another – “I’ve got a guy who …” They have a few things going on with them medically where you’re uncertain whether or not they would qualify for long term care coverage. I get it – there is nothing worse than putting a boatload of time into… Continue reading
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My Leverage Conversation
I had a conversation a short time ago with an advisor asked him to prove to me his allocation strategy was solid enough to meet my two basic retirement objectives – income in retirement I will not outlive as well as leave some money for my children and grandchildren. It all went really well until… Continue reading
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Leverage or Self-Funding
Here is a little nugget that is often overshadowed with false optimism. It comes in a few different forms but ultimately boils down to people thinking that it will not happen to them. Regardless of the reason – people believe that they are exempt from a long-term care situation. Worse yet is the cluster of… Continue reading
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Funding Flexibility
One thing that makes Asset Care unique in the Asset Based long term care space is its funding flexibility. One of the more “famous” approaches is utilizing the only turnkey solution for funding using qualified money. That’s not what I am going to discuss today. As you are hopefully aware, Asset Care accommodates both single… Continue reading
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Asset Care – Informal Care Discussion
In last week’s Fridays with Fisher, I discussed one of the conversations that occurred during the Asset Care 2024 rollout meetings in New Jersey. The discussion related to inflation and including it for an older client (closer to 70). Today, I want to share another conversation from the meetings. Before I get to that, I… Continue reading
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Asset Care & Inflation
Last week while I was in New Jersey sharing the Asset Care 2024 story, I shared an opinion about inflation versus no inflation for an older age applicant. I said, “typically, I do not recommend adding inflation for someone age 70 or older because at a 3% compound rate, it will take XX years to… Continue reading
Fridays with Fisher 
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