On October 6, Flex Underwriting for Asset Care was launched in more than 35 states. All business submitted electronically, whether it was through to OneAmerica Financial producer portal (OneSource Online) or your organizations eApp platform, was the beneficiary of Flex. As I noted in an earlier FWF, paper is impacted as well but the impact... Continue Reading →
OneAmerica Sponsors PBS’s Caregiving
OneAmerica Financial believes that at the heart of insurance distribution lies a powerful truth: every policy delivered, every financial strategy crafted, and every family protected reflects a deep commitment to caregiving — not only in the traditional sense, but in how you care for your clients’ futures. That commitment is why OneAmerica is proud to... Continue Reading →
Funding Flexibility
One thing that makes Asset Care unique in the Asset Based long term care space is its funding flexibility. One of the more “famous” approaches is utilizing the only turnkey solution for funding using qualified money. That’s not what I am going to discuss today. As you are hopefully aware, Asset Care accommodates both single... Continue Reading →
Plan Like Dad
My parents are 20 years older than me. We all have big birthdays coming this year – in June, mom will hit the big 80 followed by dad in September. I’ll be 60 a few days later. My “baby” brother is only 18 months behind me. Why do I share this? That’s my family. When... Continue Reading →
Consider the Funding Source
In last week’s Fridays with Fisher, I spoke about “self-directing” money from a qualified account into Asset Care premiums. I also advocated establishing a “protection bucket” as a dedicated pool to provide your primary resources for paying for long-term care services. I want to jump back into the “self-directed” funding discussion again. I believe that... Continue Reading →
More About Qualified Money
About a year ago, I posted about funding an asset-based long-term care policy (Asset Care) using qualified money. Last week, I did the same. Essentially, it was the same information just updated to 2025 standards. Do you know what both posts have in common? The volume of feedback! One cluster was simply this – “tell... Continue Reading →
Funding LTC – Qualified Money
Heads will start exploding with this declaration, but it is a fact. Qualified money can be used to fund long-term care. That money, however, will be taxed as ordinary income when it is distributed. Simply, there is no provision in the Internal Revenue Code that allows for tax-free distributions from a qualified retirement plan such... Continue Reading →
Sort Thru the Noise
In the January 2025 episode of Coffee Break, I shared information on how to locate more information about who OneAmerica Financial is … just go to oneamerica.com/about-us and you will get access to a boatload of information about the companies of OneAmerica Financial. There is a bunch of noise in the asset-based / linked-benefit LTC... Continue Reading →
Thanksgiving Thought
I want to thank you for the opportunity to share my ideas and insights with you. Whether or not you wrote business with OneAmerica Financial this past year, I hope that I was able to help you help your family, friends, neighbors, and clients. I've shared the importance of planning and some consumer facing tools... Continue Reading →
New England Product Launch
Announcing Asset Care enhancements
INSTANT APPROVAL
Today, with a mind toward underwriting, I am sharing with you an INSTANT APPROVAL underwriting opportunity.
Dad’s advice
Growing up, he always told my brother and me – “can’t never did anything.”
Fridays with Fisher 
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