Annuities – Think Leverage

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 new value to those old annuities. Here are a few points to consider when annuity discussions arise with clients. A majority of non-qualified deferred annuity... Continue Reading →

Most Beneficial Rate

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 date, the rate is locked to protect against rate changes for up to 60 days.  This helps protect the policy pricing from funding delays. The... Continue Reading →

Income and LTC

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 Using this strategy, if you had $1,000,000, you could withdraw roughly 4% ($40,000) per year adjusted for inflation and would not run out of money. ... Continue Reading →

Not So Average Care

The following stats are posted on someone turning age 65 today will have a 70% chance of requiring “some” long term care services and/or support in later years women require care on average 3.7 years men require care 2.2 years 33.3% of today’s 65 years olds may never require care 20% of today’s 65... Continue Reading →

Q&A – Funding Sources

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 Fingertips" piece simply outlines all of the funding sources as well as the products that they can be used to fund.  Remember, when using the... Continue Reading →

Look at Your Annuity Clients

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 moment … Take a look at any your book of business, take a good honest look at all of your clients.  I dare you to... Continue Reading →

Q&A – Guaranteed Benefits

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 are guaranteed elements of every policy that extends beyond the premium.  With Asset-Care I & IV, for example, the minimum guaranteed benefit that will be... Continue Reading →

Eligible Person

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 cash value life insurance or deferred annuity proceeds (cash can also be used as a funding source). With our Annuity Care products, a single annuitant can... Continue Reading →

Underwriting Opportunities

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 considered for Asset Care and Annuity Care (many are automatic declines with other carriers): Bipolar Disorder Kidney transplant or mild kidney failure Mild to moderate... Continue Reading →

Create a website or blog at

Up ↑

%d bloggers like this: