Category: Fridays with Fisher

Fridays with Fisher is a weekly sharing of information focused on funding extended healthcare (long term care) services using the various products offered by OneAmerica’s Care Solutions. It is for producer use only.

Do the right thing

Last week, I asked (to paraphrase) if you were working in the best interest of the client or taking the simple route.  The eye was on underwriting and the response from some was “animated”.  I guess I hit a nerve with a few people. Well, I’ve got another question for you.  It starts with the... Continue Reading →

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 →

Instant Approval

Last week, I shared some information about the Pre-Underwriting Inquiry opportunity for any client that you may have.  Again, it is simply a tool that we encourage you to use BEFORE submitting a formal application.  Today, with a mind toward underwriting, I am sharing with you an INSTANT APPROVAL underwriting opportunity. This is a very... Continue Reading →

A Better Debate

As it happens, in the long-term care benefits game there are really two schools of thought on benefit payouts.  I am talking about a limited (finite) pool of benefits versus an unlimited (lifetime) stream of benefits. I bet that you thinking that I would jump on the indemnity versus cash train ... that is another... Continue Reading →

You can afford that

I read an article in the Journal of Accountancy recently that made me scratch my head and ponder the possibilities.  In the article called “The long term care quandary: helping clients prepare”, a statement was made that I am not fully convinced is a solid “rule of thumb” (their words not mine). “There’s a long-standing... Continue Reading →

It Just Doesn’t Matter

When I was in high school, the movie Meatballs came out.  It starred Bill Murray as the head camp counselor at a low budget camp.  As you would expect, it was a “chaos” comedy with lots of innuendos and stupid humor aimed at teenagers.  My whole point for mentioning this movie is the chant “it... Continue Reading →

Leverage is more than insurance

For the last couple if weeks, I have been sharing the terminology leverage as it relates to a long term care funding strategy.  Of course, this is unique to insurance solutions where pennies are leveraged into dollars. Have you considered that there is another form of leverage that can be applied to the long term... Continue Reading →

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 →

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 →

OneAmerica Sponsors PBS’s Caregiving

OneAmerica Financial believes that at the heart of insurance distribution lies a powerful truth: every policy delivered, every financial strategy crafted, and every family protected reflects a deep commitment to caregiving — not only in the traditional sense, but in how you care for your clients’ futures. That commitment is why OneAmerica is proud to... Continue Reading →

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