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 →
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 →
SECURE your LTC
The first Tuesday of every month, Michael Florio and I host our webcast - LTC Coffee Break. This past episode, we discussed using qualified money as a funding source for long term care insurance. You can catch our most recent release and access our library of past shows at our website at LTCcoffeebreak.com or just CLICK HERE... Continue Reading →
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 →
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 →
Use Income to Fund Asset Care
You hear it all the time - the best leverage that you can get is from an insurance policy that you pay on a monthly basis. (Did you know that we can do that with Asset Care?) You've also heard that the biggest frustration that people have (or had) with traditional long term care policies... Continue Reading →
Annuity Care II Case Rescue
One thing that I like to say when talking about the Care Solutions Portfolio is that it is a lot like the Rolling Stones song "You can't always get what you want" . Go on sing it with me "you can't always get what you want ... but if you try sometime you find... Continue Reading →
Return of Premium – Asset Care
As we have been navigating through this complicated time, one consumer concern that has been brought up often is the desire to maintain liquidity for an emergency. This has led to inaction where the LTC exposure is not addressed or a funding strategy where recurring premium strategy is used to fund Asset Care.Did you know... Continue Reading →
Care Solutions University Invitation
Under ordinary circumstances, we bring 75 hand-selected advisors and marketers to our corporate headquarters in Indianapolis to spend 2 days learning about our Care Solutions Asset Based LTC solutions (Asset Care and Annuity Care) in detail and diving deep into the company story and building long lasting relationships. You are invited to our upcoming "Virtual... Continue Reading →
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 →
Self-Insure = Risk Retention
According to The Motley Fool in an article from February 24, 2018, the average retirement lasts for 18 years and begins at age 63. While the article is focused on retirement duration and shares a few facts about longevity, it opens the door for a conversation about the biggest financial risk to the retirement plan …... Continue Reading →
A Little Pool Anyone?
Here we go again – the discussion of addressing the extended healthcare (aka long term care) funding issue. For many, self-funding ends up being the answer. By default or by decision, people elect to bear the full burden of the cost associated with an extended healthcare event and not elect an insurance-based solution. So, here... Continue Reading →
Fridays with Fisher 
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