Fridays with Fisher
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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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What Asset Care Provides
For the past few weeks, I have shared ideas and information about using qualified money as a funding source for Asset Care. What I have not done is share with you what it offers your clients. Aside from using a resource that will be required to be tapped for income by the age of 72… Continue reading
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Use IRA to Fund LTC with Asset Care
Funding Asset Care with qualified money (traditional IRA, 401k, 403b, etc) is a simple concept. Here is what you need to know at a high level. You will certainly have questions – please contact Justin Fox at (844) 658-3725 or via email at justinfox.isp@oneamerica.com . Register for my upcoming webinar taking place March 5 at… Continue reading
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Qualified Money Funds LTC
You probably know some people with IRAs, 401(k)s, or 403(b)s – right? Qualified dollars have their issues You can’t avoid eventually paying taxes on pre-tax money that grows tax-deferred. Required Minimum Distributions (RMDs): Money needs to be taken out beginning at 72, whether your client wants it or not. When qualified money passes to heirs… Continue reading
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SECURE Act Creates Opportunity
The Setting Every Community Up for Retirement Enhancement Act of 2019, better known as the SECURE Act, was signed into law on December 20, 2019. The SECURE Act is aimed at increasing access to tax-advantaged accounts and ensuring that older Americans do not outlive their assets. But, it also contains some changes that create an… 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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Your Clients Aren’t Average
Some carriers like to claim that your clients don’t need LTC protection beyond the average length of a care need. But preparing for only the average length of a care need can leave a large gap. The Story of Averages The average length of an LTC need is typically longer for women than men (3.7… 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
Fridays with Fisher 
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