Annuity Care… E-Application Advantage 8 Nov 2019November 5, 2019 On thing that we’ve found is that submitting business using electronic application (eApp) has provided advisors with a few advantages. Along with the an assurance that an application submitted electronically…
Annuity Care… A Little Pool Anyone? 20 Sep 2019August 22, 2019 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…
2017 CSO Launch… History of Innovation 2 Aug 2019August 2, 2019 Asset-based LTC, aka hybrid or linked linked benefit, have existed since 1988. OneAmerica stakes a claim to being the premier innovator of this space. There is only one other carrier…
Annuity Care… Q&A – Annuity Training 2 Aug 2019July 8, 2019 Question: What products require annuity training? Answer: A good chunk of the Care Solutions portfolio is comprised of annuity based solutions. The following products require annuity training: Asset Care Annuity…
Annuity Care… Annuities – Think Leverage 26 Jul 2019July 1, 2019 Think about all of the people who own deferred annuities. Now think about how many are out of surrender and have no real purpose. Let our Annuity Care solutions provide…
Annuity Care… Most Beneficial Rate 19 Jul 2019July 1, 2019 At OneAmerica, we have a program called "Most Beneficial Rate" (MBR) which simply does what it says. Here is what it does. For the 60 days between application and premium-receive…
Annuity Care… Income and LTC 12 Jul 2019June 26, 2019 Forbes published an article on April 16, 2019 that shared “Comparing The 3 Most Popular Retirement Income Strategies”. According to the article, there are three common approaches: Systematic Withdrawal Strategy…
Annuity Care… Not So Average Care 5 Jul 2019June 25, 2019 The following stats are posted on LTC.gov: someone turning age 65 today will have a 70% chance of requiring “some” long term care services and/or support in later years women…
Continuation of Benefit Rider… Q&A – Funding Sources 17 May 2019May 6, 2019 Question: With so many different strategies for funding, is there a single place where I can go to get that information? Answer: There certainly is. The "LTC Protection at Your…
Annuity Care… Individual Policy 1035 Funds Joint Policy 10 May 2019May 3, 2019 YOU NEED TO READ THIS ARTICLE AS IT EXPLAINS HOW THIS CAN BE ACCOMPLISHED. Earlier this week, I was asked if there is a way to fund a joint policy…
Annuity Care… Look at Your Annuity Clients 3 May 2019April 24, 2019 Do you remember the Eveready Battery ad with Robert Conrad? Where he pitches the product and the says “I dare ya”. Well, this is my Robert Conrad - Eveready Battery…
Annuity Care… Q&A – Guaranteed Benefits 26 Apr 2019May 1, 2019 Question: Premiums are guaranteed for both the base policy and continuation of benefit rider (Asset-Care & Annuity Care). Are there other elements of the policy that are guaranteed? Answer: There…
Annuity Care… Indexed Annuity Care Guaranteed Growth for LTC 26 Apr 2019April 11, 2019 Indexed Annuity Care is not intended to replace another annuity product that is intended to generate income. It is designed to provide a protection buffer for other income producing assets.…
Annuity Care… Annuity Care – tax free LTC for life 19 Apr 2019April 5, 2019 When most people think about annuities, they do not think of long term care. Think think of either what Ken Fisher (no relation) is shouting about how bad annuities are…
Annuity Care… Eligible Person 5 Apr 2019March 19, 2019 As you have read in previous installments of Fridays with Fisher, the Pension Protection Act created an opportunity for your clients to fund any of our Annuity Care products via IRC section 1035 exchange from…
Annuity Care… Underwriting Opportunities 5 Apr 2019March 19, 2019 It’s well known that OneAmerica’s asset-based LTC solutions have the most reasonable underwriting guidelines in the industry today. Here are just a few of the medical conditions that can be…
Annuity Care… “Older Client” Annuity Solution 29 Mar 2019March 6, 2019 I have said this before and I will say it until I am blue in the face, no other carrier can provide a long term care funding solution for an…
Annuity Care… Best Way to Leverage 29 Mar 2019March 6, 2019 First off - thank you for your ideas, feedback, suggestions and questions. The whole purpose of this weekly distribution is to share ideas with you. One question that I am…
Annuity Care… Q&A – Tax Treatment of Benefits 22 Mar 2019May 1, 2019 Question: What is the tax treatment of LTC Benefits paid from Asset-Care or Annuity Care? Answer: Our Care Solutions portfolio functions on a reimbursement basis. Since Reimbursement Benefits for qualified LTC services are…
Annuity Care… Q&A – COB tax deductibility 6 Mar 2019May 1, 2019 Question: I am correct that the Continuation of Benefit Rider premium may be deductible? Answer: That is correct. Depending upon a who the premium payer is and how they file their taxes - premiums may…
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