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 →
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 →
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 →
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 →
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 →
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 →
Fridays with Fisher 
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