Long Term Care
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LTC & The Luxury Car
Earlier this week during LTC Coffee Break Espresso Shot, we dipped into the mailbag and answered the question “my client can afford to pay for long term care, he is high net worth.” Well, Michael shared an analogy to buying a luxury sports car. Check it out. Get a new idea Tuesday when Michael Florio… Continue reading
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Because We Can
Earlier this week during LTC Coffee Break Espresso Shot, we dipped into the mailbag and answered the question “Fisher – why do you talk about lifetime benefits so often.” Well, it is because we can. There is more to the story, give it a view and listen to Michael’s insight. Get a new idea Tuesday… Continue reading
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A Gift for You
This week’s episode of LTC Coffee Break shared an idea of generational gifting and funding an Asset Care policy. Michael shares an example and some insight around the strategy which he and an advisor recently employed. You should check it out. Get a new idea Tuesday when Michael Florio and I drop a new episode… Continue reading
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Strategy for a Rated Case
This week’s LTC Coffee Break was a good one. In it, I shared a strategy that can be employed with a table rated Asset Care case. Remember, Asset Care is the OneAmerica life insurance based LTC solution that can be funded in a variety of ways including single premium, recurring premiums, a combination of the… Continue reading
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3 Client Profiles
Earlier this month, Michael Florio and I shared some ideas about why advisors should include LTC funding as part of their client conversations. Last week, we reiterated that point. I am going to piggyback on this week’s LTC Coffee Break Espresso Shot where Michael shared a little on who should be party to the LTC… Continue reading
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3 Reasons Why LTC Needs to Be Included
Earlier this week as part of LTC Coffee Break Espresso Shot, Michael and I shared a few reasons why long term care insurance (or at least planning for a potential LTC event) should be a part of every advisor’s practice. Aside from the obvious reason (to provide a source of money for your client’s LTC… Continue reading
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Start 2022 Knowing WHO
It is the start of another new year. Hopefully, this year plays out better than the past two years have. But, only time will tell. For 21 months, Michael Florio and I have produced a weekly webcast LTC Coffee Break where we share ideas and information about long term care with a focus on the… Continue reading
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Transition Talk To The Plan
This morning, I was reading an email from a friend and colleague about the cost of long term care and the concept of how Medicare can contribute to the funding of a care event. A point that was made is that Medicare and Medicare Supplement insurance policies have been commoditized. Simply, people expect to have… Continue reading
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EWF & A Plan
Last week, I talked about the need for a plan and that a policy is not a plan. Along with that, I shared a couple of tools that we can provide you free of charge. The Step-by-step guide to receiving long term care Virtual Consumer Seminar (link goes to the information page) In reality, most… Continue reading
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Policy v. Plan
To quote Bill Comfort, “the policy is not the plan; the policy pays for the plan.” It is a fact. Like it or not, we all have a plan. It is something that we are born with. I like to call this the default plan. To paraphrase Tim Ripp, that plan is also called the… Continue reading
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LTC Awareness Month
November is designated as Long Term Care Awareness Month and is recognized by many states and Congress as such. Here are a few Did you knows about LTC. More than 75% of adults who will receive LTC services will receive them at home. On average, 21 hours of care are provided per week when that… Continue reading
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The Value of Two
This week, I am sharing a quick idea or two based upon a conversations that I had this past week with producers and advisors. Just a reminder, that I am back in business and on the road meeting in-person (one-on-one, small groups, or agency-level meetings). This leads me into my shameless pitch for our upcoming… Continue reading
Fridays with Fisher 