Continuation of Benefit Rider
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Qualified Money & Annuity Care
For almost 2 years now, my friend and colleague Michael Florio and I have produced our LTC Coffee Break webcast. We drop a new episode every Tuesday at 10 am at LTCcoffeebreak.com. Lately, we’ve decided to jump into our mailbag and answer questions from our viewers. This week’s question was – can qualified money be… Continue reading
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3 Unique Funding Strategies
If you have been paying attention, I have been on a roll with lists of 3. Staying with that theme and including the LTC Coffee Break Espresso Shot topic for this week, here are three premium strategies that (to the best of my knowledge) are unique to OneAmerica’s Care Solutions. Let’s jump into it and… Continue reading
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The Value of Two
This week, I am sharing a quick idea or two based upon a conversations that I had this past week with producers and advisors. Just a reminder, that I am back in business and on the road meeting in-person (one-on-one, small groups, or agency-level meetings). This leads me into my shameless pitch for our upcoming… Continue reading
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How Qualified Money Works
This month, I am sharing a little about funding long term care premiums using qualified money. As a matter of fact, if you want to hear a few ideas, join Michael Florio and me for our LTC Coffee Break on Tuesday mornings at 10am. You can catch our most recent release and access our library… Continue reading
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Inherited IRA Funding Scenario
Last week, I shared how the SECURE Act creates an opportunity for an Asset Care solution. Today, I plan to share with you an example of how this situation might prove to be beneficial to the family members inheriting IRA proceeds. Before I get rolling, I want to remind you that this continues the qualified… Continue reading
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OneAmerica Resources
Earlier this week, we hosted our first virtual Care Solutions University of 2021. If you are unfamiliar with Care Solutions University, it is immersion training for the OneAmerica Care Solutions suite of asset-based long term care products and services. Last year, due to the pandemic, Care Solutions University moved to the virtual realm from an… Continue reading
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Care Solutions Illustrations
It doesn’t matter what you call them – proposal, hypo, quote, or illustration – they all provide similar information intended to help educate, inform, and inspire the client to take action. (The close of that sentence is stolen from the goals of LTC Coffee Break. Which reminds me – check out LTC Coffee Break at… Continue reading
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Benefits to Meet Your Needs
In this week’s LTC Coffee Break broadcast, we shared with you some of the unique features of Asset Care. Some of those features are: guaranteed premiums and benefits true joint coverage – 1 policy two lives LTC benefits can range from 25 months to unlimited lifetime funding options that include 5 year, 10 year, 20… Continue reading
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Riverboat or Yacht
Yesterday, I shared a video that I shot from the banks of the Savannah River. While it was somewhat “lame”, the intent is to illustrate an analogy that I have heard a few folks use regarding deferred annuities. Simply – the question that is asked to advisors is “are you talking to your clients about… Continue reading
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More Than One Way To Pay
One thing that we always discuss from a planning perspective is how will you pay. How will you pay for care if it is needed ? How will you pay if you have to provide care yourself? How will you pay the premium for your policy? As Harley Gordon says, every decision has consequences. And,… Continue reading
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Something To Chew On
For the past few weeks, we have been discussing longevity issues on Fridays with Fisher and as a part of the Leading Tomorrow with OneAmerica speaker series. I want to expand that discussion a little bit and challenge you to consider some scenarios. A few months ago, I shared some information in a Fridays with… Continue reading
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Longevity
Over the past several weeks as part of the Leading Tomorrow with OneAmerica speaker Series, we have heard from experts who talked about aging, longevity, and working / communicating with clients. Here is a little something that I want you to chew on – longevity. Let me pose this question. You (or some other professional)… Continue reading
Fridays with Fisher 