Long Term Care

April 2, 2021

OneAmerica Resources

Earlier this week, we hosted our first virtual Care Solutions University of 2021. If you are unfamiliar with Care Solutions University, it is immersion training for the OneAmerica Care Solutions suite of asset-based long term care products and services. Last year, due to the pandemic, Care Solutions University moved to the virtual realm from an… Continue reading

Annuity Care, Asset Care, Care Solutions, Consumer Approved, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Indexed Annuity Care, Long Term Care, Marketing Material, New Business, Underwriting
March 26, 2021

Client Profile

A lot has been said and written about the ideal client profile for long term care insurance. And, one thing that the industry as a whole has been saying loudly is “the best time is when you are young.” Without delving into the benefits of securing coverage at a young age, the risks associated with… Continue reading

Annuity Care, Asset Care, Care Solutions, Funding Sources, Long Term Care, Underwriting
February 26, 2021

Care Solutions Illustrations

It doesn’t matter what you call them – proposal, hypo, quote, or illustration – they all provide similar information intended to help educate, inform, and inspire the client to take action. (The close of that sentence is stolen from the goals of LTC Coffee Break. Which reminds me – check out LTC Coffee Break at… Continue reading

Annuity Care, Asset Care, Care Solutions, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Joint Policy, Long Term Care
January 15, 2021

Virtual Product Training

Learn About the deepest set of solutions in the industry If you’ve been around the industry for any time, you will understand the changes and challenges that long term care insurance has faced. For better or for worse, it is an evolving landscape of solutions. The is one constant – OneAmerica’s Care Solutions. For over… Continue reading

Annuity Care, Asset Care, Care Solutions, Fridays with Fisher, Long Term Care
January 1, 2021

New Year’s Challenge

Well, it is over. The mess of 2020 has ended and I, for one, am looking forward to getting started in 2021. One thing for certain that 2020 gave us is that it forced us to “get outside of the box”. Think about how many times that you wrote that down as your goal or… Continue reading

Care Solutions, Fridays with Fisher, Funding Sources, Long Term Care, LTC Coffee Break
December 18, 2020

Riverboat or Yacht

Yesterday, I shared a video that I shot from the banks of the Savannah River. While it was somewhat “lame”, the intent is to illustrate an analogy that I have heard a few folks use regarding deferred annuities. Simply – the question that is asked to advisors is “are you talking to your clients about… Continue reading

Annuity Care, Care Solutions, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Indexed Annuity Care, Joint Policy, Long Term Care
November 13, 2020

Something To Chew On

For the past few weeks, we have been discussing longevity issues on Fridays with Fisher and as a part of the Leading Tomorrow with OneAmerica speaker series. I want to expand that discussion a little bit and challenge you to consider some scenarios. A few months ago, I shared some information in a Fridays with… Continue reading

Alzheimer’s Association, Annuity Care, Asset Care, Continuation of Benefit Rider, Fridays with Fisher, Indexed Annuity Care, Joint Policy, Long Term Care

Annuity Care, Asset Care, Care Solutios, Fridays with Fisher, Long Term Care, LTC, OneAmerica
October 30, 2020

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

Annuity Care, Asset Care, Care Solutions, Continuation of Benefit Rider, Guarantees, Joint Policy, Long Term Care
September 18, 2020

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

Asset Care, Fridays with Fisher, Funding Sources, Guarantees, Long Term Care, LTC Coffee Break
September 11, 2020

Drop-in to Get More Benefits

Let me paint a picture for you. You are working with a client who is looking to fund their Asset Care policy. They have worked with you to identify possible funding sources and you identify a couple of small cash value life insurance policies as possible resources. The problem is that the cash value from… Continue reading

Asset Care, Fridays with Fisher, Funding Sources, Long Term Care
August 7, 2020

Reimbursement or Indemnity

If you have been paying attention to my weekly LTC Coffee Break broadcast schedule, you’ll have noticed this week that Michael Florio and I discussed the topic of reimbursement and indemnity policies. (My shameless plug – in the time that it takes for you to finish a medium coffee from Dunkin, we will share you… Continue reading

Asset Care, Claims, Fridays with Fisher, Long Term Care
July 10, 2020

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… Continue reading

Asset Care, Fridays with Fisher, Funding Sources, Guarantees, Long Term Care

About FWF

I launched Fridays with Fisher as a way for me to share ideas and information related to extended healthcare / long term care and funding solutions provided by the OneAmerica Care Solutions product suite.

Every week, I share a new idea via email and post it to the the Fridays with Fisher Archives (where you are currently located).

Everything is for producer use only unless specifically noted otherwise.