Today, with a mind toward underwriting, I am sharing with you an INSTANT APPROVAL underwriting opportunity.
Let’s compare
we are approaching a perfect tax storm for deferred annuities. Owners are getting older and are being forced into taking money from them in order to fund their long term care.
Versatility Refound
Here is a tagline for you to ponder: “Adaptable Annuities: Multi-purpose for Living, Legacy, & Long Term Care”
Stop with the product – talk about a plan
I am sick and tired of looking at LinkedIn posts where asset-based / linked benefits long-term care plans are dragged through the mud. THIS HAS TO STOP!
Challenge Accepted
Challenge accepted - base only Annuity Care transforms tax-deferred growth into tax-free LTC
Repurposing Annuities
WITH A BASE-ONLY ANNUNITY CARE OR INDEXED ANNUITY CARE, WHEN THE CLIENT ANSWERS THE 5 UNDERWRITING QUESTIONS FAVORABLY, THERE IS INSTANT APPROVAL UP TO $1 MILLION!!!!!!!!!!!
Compare Annuity Care
You’ve heard the big news. If you missed out, Annuity Care I and Indexed Annuity Care for “base-only” policies are now instant approval when the applicant can answer the 5 questions favorably.
Another Spin on the Split Annuity
Let’s say we have a nonqualified deferred annuity that is out of surrender and not intended for income. In fact, it was set aside as an emergency fund for a healthcare need.
Annuity funding – split annuity
Do me this favor - contact me with your net annuity case for a client who is 70 or older and has that money earmarked as either "leave on" or "emergency" money. We might be able to create a better solution.
More about qualified money & LTC
Last week, I started the FWF conversation talking about qualified money and IRA maximization. The thing about IRA max is that it is a leverage play – a planning tool while living and insurable. (remember, this conversation is for non-Roth accounts.) But, what happens if the planning windows is slammed shut because the IRA owner... Continue Reading →
ASC & IRA Max – something new
IRA maximization is one of the first funding strategies that I was introduced to more than 3 decades ago when I was first entered the insurance industry as a career agent in southern New Hampshire. According to the Congressional Research Service, the Federal Reserve’s Financial Accounts of the United States report said that as of... Continue Reading →
Changes to PUI
Another day goes by and OneAmerica Financial has another enhancement to the Care Solutions asset-base long term care line of business. No, there is no product change to announce. The most recent change is to the Pre Underwriting Inquiry process. A Pre-Underwriting Inquiry (PUI) is the informal inquiry program for the Care Solutions products where you can... Continue Reading →
Fridays with Fisher 
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