Continuation of Benefit Rider

June 30, 2023

Section 162 Executive Bonus

In our June edition of Coffee Break, we shared some tax opportunities that businesses have when funding Asset Care. Simply, the premiums for the long term care portion of the policy can be deducted. With this in mind, I want to remind you of a strategy that we have discussed before – the Section 162… Continue reading

Annuity Care, Asset Care, Care Solutions, Continuation of Benefit Rider, Fridays with Fisher, Indexed Annuity Care, Long Term Care, LTC Coffee Break, OneAmerica, Taxes & Trusts

Asset Care, Care Solutios, Coffee Break, Executive Bonus, Fridays with Fisher, Kevin Fisher, Long Term Care, LTC, OneAmerica, Section 162
June 9, 2023

Maximizing Your Annuity Concept

Last week , I set the table for this part of the conversation about maximizing your annuity. Please, take a minute to refresh your memory of the opportunity. This is not a MYGA or rate chasing strategy, but a strategy where we are able to transform taxable gain into tax free income if it is… Continue reading

Annuity Care, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Indexed Annuity Care, Joint Policy, Long Term Care, LTC Coffee Break, OneAmerica

Annuities, Annuity Care, Asset Care, Care Solutios, Coffee Break, Elaine Marvin, Fridays with Fisher, Indexed Annuity Care, Kevin Fisher, Long Term Care, LTC, Niki Johnson, Nonqualified Deferred Annuities, OneAmerica, Pension Protection Act, PPA
June 2, 2023

Maximizing Your Annuity

I’ve been riding this topic hard for the last few months and for a good reason! One of the best funding sources for long term care comes from nonqualified deferred annuities! And, with the unofficial start of summer a few days ago, we all know that now is not the time to take the foot… Continue reading

Annuity Care, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Indexed Annuity Care, Joint Policy, Long Term Care, LTC Coffee Break, OneAmerica

Annuities, Annuity Care, Asset Care, Care Solutios, Coffee Break, Elaine Marvin, Fridays with Fisher, Indexed Annuity Care, Kevin Fisher, Long Term Care, LTC, Niki Johnson, Nonqualified Deferred Annuities, OneAmerica, Pension Protection Act, PPA
May 26, 2023

Benefit of a Cap to Self-funding

Last week’s Fridays with Fisher was about a strategy to cap the risk that a self-funding strategy presents. A lot of people reached out to me and told me that they did not like it. I hear what you say and understand why. One thing that I believe that many people did not pick up… Continue reading

Annuity Care, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Indexed Annuity Care, Long Term Care, LTC Coffee Break, OneAmerica

Asset Care, Coffee Break, Elaine Marvin, Fridays with Fisher, Indexed Annuity Care, Jen Wagoner, Kevin Fisher, Long Term Care, LTC, Niki Johnson, OneAmerica, self-funding LTC
May 19, 2023

Self-funding Cap

Last week, I started a conversation about self-funding a long term care and I shared a few examples of potential future costs. As a reminder, OneAmerica offers an Interactive Cost of Care Map that can help you find the cost of care anywhere in the country. It’s a great tool to have on your mobile… Continue reading

Annuity Care, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Guarantees, Indexed Annuity Care, OneAmerica

Asset Care, Coffee Break, Elaine Marvin, Fridays with Fisher, Indexed Annuity Care, Jen Wagoner, Kevin Fisher, Long Term Care, LTC, Niki Johnson, OneAmerica
May 12, 2023

Self-funding Consider the Costs

There are lots of perspectives about long term care and how to pay for it. An insurance-based strategy is the most cost efficient method regardless of what someone’s net worth. Unfortunately, many people make the decision to self-fund their long term care. This week, let’s use some numbers to compare the scenarios. I am going… Continue reading

Annuity Care, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Indexed Annuity Care, Long Term Care, LTC Coffee Break, OneAmerica

Asset Care, Coffee Break, Elaine Marvin, Fridays with Fisher, Indexed Annuity Care, Jen Wagoner, Kevin Fisher, Long Term Care, LTC, Niki Johnson, OneAmerica, self-funding LTC
March 31, 2023

An Old Idea – Split Annuity

We have been on the tax-deferred to tax-free for LTC train for the past few weeks. It all started with our March episode of Coffee Break. If you have not seen that episode yet, please take a moment. I am sure that you’ll get a nugget or two of information from it. Remember, a new… Continue reading

Annuity Care, Care Solutions, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Indexed Annuity Care, Long Term Care, LTC Coffee Break, OneAmerica

Annuity Care, Asset Care, Care Solutios, Coffee Break, Elaine Marvin, Fridays with Fisher, Jen Wagoner, Kevin Fisher, Long Term Care, LTC, Niki Johnson, OneAmerica
March 24, 2023

Does It Qualify

A couple of weeks ago on Coffee Break, we shared information about Annuity Care and, in last week’s Fridays with Fisher, I talked about the segment of the tax-code that creates the tax-free benefits offered by Annuity Care. One thing that I often hear is “XYZ indexed annuity includes long term care benefits”. As I… Continue reading

Annuity Care, Care Solutions, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Indexed Annuity Care, Long Term Care, LTC Coffee Break

Annuity Care, Care Solutios, Coffee Break, Elaine Marvin, Fridays with Fisher, Jen Wagoner, Kevin Fisher, Long Term Care, Niki Johnson, Pension Protection Act
March 10, 2023

Qualified Money – You Can’t Do What We Do

In the February episode of Coffee Break, we discussed funding Asset Care using qualified money. If you have not seen it, please take a few minutes of your time and do so. Most of you who know me know that I try to toe the line of neutrality and objectivity. I don’t want all of… Continue reading

Asset Care, Care Solutions, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Joint Policy, Long Term Care, LTC Coffee Break, OneAmerica, qualified money

annuity funded whole life, Asset Care, Care Solutios, Coffee Break, Elaine Marvin, Fridays with Fisher, Jen Wagoner, Kevin Fisher, Long Term Care, LTC, Niki Johnson, OneAmerica, Qualified Money Funding LTC
March 3, 2023

Qualified Money & Leverage

A few weeks ago on Coffee Break, we talked about our turnkey funding strategy for Asset Care using qualified money. We’ve generated a lot of calls into the sales desk and we thank you for questions and the opportunity to discuss our truly unique strategy. Way back when I first started in the insurance industry… Continue reading

Asset Care, Care Solutions, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Joint Policy, Long Term Care, LTC Coffee Break, qualified money

annuity funded whole life, Asset Care, Care Solutios, Coffee Break, Elaine Marvin, Fridays with Fisher, Jen Wagoner, Kevin Fisher, Long Term Care, LTC, Niki Johnson, OneAmerica, Qualified Money Funding LTC
February 17, 2023

Qualified Money for LTC Funding

A few days ago on Coffee Break, we discussed using long term care as a funding source for long term care. If you have not had a chance to check it out, please do. Let’s cut to the chase – too many people get their noses out of joint when they hear me say use… Continue reading

Asset Care, Care Solutions, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Long Term Care, LTC Coffee Break

401k, 403b, Asset Care, Care Solutios, Coffee Break, Elaine Marvin, Fridays with Fisher, ira, Jen Wagoner, Kevin Fisher, Long Term Care, LTC, Niki Johnson, OneAmerica, qualified money, return of premium
February 3, 2023

Asset Care with & without ROP

Our discussion for the past couple weeks has been focused on Asset Care and the Return of Premium product solution. Today, we will piggy back off of the previous discussions and I’ll share with you a conversation that I had with an advisor a short time ago. Before we get into it, if you have… Continue reading

Asset Care, Care Solutions, Continuation of Benefit Rider, Fridays with Fisher, Long Term Care, LTC Coffee Break

Asset Care, Care Solutios, Coffee Break, Elaine Marvin, Fridays with Fisher, Jen Wagoner, Kevin Fisher, Long Term Care, LTC, Niki Johnson, OneAmerica, return of premium, ROP

About FWF

I launched Fridays with Fisher as a way for me to share ideas and information related to extended healthcare / long term care and funding solutions provided by the OneAmerica Care Solutions product suite.

Every week, I share a new idea via email and post it to the the Fridays with Fisher Archives (where you are currently located).

Everything is for producer use only unless specifically noted otherwise.