Care Solutions
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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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Before Anything – Make Sure You’re IGO
Over the last few of weeks, I shared a three specifics ways that you can improve both your and your client’s experience. Those were using our Pre-Underwriting Inquiry process to help diagnose the insurability of your client as well as help determine a product solution AND utilizing our eApplication process which can shave at least 5… 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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OneAmerica Marketing Tools
Two weeks ago, in partnership with my colleague Michael Florio, I launched a weekly webcast called LTC Coffee Break. Our goal with it is to educate, inform, and inspire you during these challenging time. Every Tuesday at 10 am (EDT) and 10 am (PDT) we broadcast our 15 minute coffee break. We had a conversation… Continue reading
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More Than Tax-Free Benefits
Last week, I shared with you the basic concept of how to transform the taxable gains in a non-qualified deferred annuity into tax-free long term care funding resources. To review that article, CLICK HERE. On April 9 at 11 am (eastern), you can join my webcast to learn more about this innovative way of funding… Continue reading
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Repurpose a Deferred Annuity
If you haven’t figured it out, I am focusing on the opportunity that non-qualified deferred annuities offer in the long term care funding conversation. All of this is in preparation for my April 9 webcast at 11 am (eastern) where I discuss how to transform tax-deferred accumulation inside non-qualified deferred annuities into tax-free long term… Continue reading
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The Pre-Underwriting Inquiry
Everyone is not in perfect health – we know that. We also recognize that the market for our extended healthcare (LTC) funding solutions is not young (the typical client is over 62 and Care Solutions can be written up to age 85). All this means that health challenges exist. Take a look at the Underwriting… Continue reading
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It’s About The Claim
Our purpose is to provide the funding resources for our policyholders when their health is compromised and they require long term care services. Last year, I shared some claims information with you. Today, I plan to share a little information that will be tremendously helpful when a client contacts you to initiate a claim. The… Continue reading
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OneAmerica & Alzheimer’s Assoc.
Why do you stress lifetime benefits? Here’s why … Today, one in three seniors dies with Alzheimer’s disease or another dementia1. Research brings us answers every day that move us closer to a world without Alzheimer’s, but the reality is that most people don’t prepare for the long-term care needs of Alzheimer’s until they or someone… Continue reading
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IRS LTC Numbers for 2020
Every year around this time, we start sharing numbers for the following year’s planning. Here are the inflation adjusted LTC numbers for 2020 that you might find useful. With the Asset Care product line identifying Acceleration of benefit (AOB) and Continuation of Benefit (COB) charges, the LTC premium associated with the policy is identifiable. The… Continue reading
Fridays with Fisher 
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