OneAmerica
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LTC Awareness Month – The Gateway
We are a couple weeks into long-term care awareness month which means that the holiday season is right around the corner. Why do I mention the holidays in a conversation about long-term care? It’s because the holidays are when families come together. Children who do not see their parents on a regular basis are often… Continue reading
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LTC Month Resources
November is long-term care awareness month. Here are some resources that you might find helpful. Continue reading
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Make Underwriting Smoother
For the past month, I’ve shared with you the enhancements to the OneAmerica Financial Asset Care underwriting process called Flex. If you want more, here is a link to last week’s FWF. Flex underwriting is intended to make the process quicker. The ideal way to do this is submitting the application via eApp. Here is a… Continue reading
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It’s time to start
According to estimates from the U.S. Department of Health & Human Services, over half of Americans turning 65 today will develop disabilities significant enough to require long-term support and services. This differs from the oft quoted and heavily criticized statistic of 70% of people age 65 will need some form of long-term support and service… Continue reading
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My Leverage Conversation
I had a conversation a short time ago with an advisor asked him to prove to me his allocation strategy was solid enough to meet my two basic retirement objectives – income in retirement I will not outlive as well as leave some money for my children and grandchildren. It all went really well until… Continue reading
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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
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Planning for Tomorrow – LTC Outlook
Recently, Jeff Levin from OneAmerica Financial hosted a webinar focused on the LTC market outlook. Joining him were Amy Chinn and Jaime Meuller. The discussion highlighted 3 areas of significance; those were: Simply – the world of LTC is evolving and we need to as well. Here is the full recording of the webinar (45… Continue reading
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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
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The Fed says …
Last week, I shared my opinion that we need to stop battling over which product design is best along with which claims payment methodology is superior. You know the stuff that we battle over inside the product ring. I also stated that we need to put our focus on planning. I’ve put some thought into… Continue reading
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A Planning Problem
Quoting Bill Comfort, “A POLICY IS NOT A PLAN!” A policy is a means for funding a future obligation. That is the purpose for an insurance policy is to help people mitigate financial loss as a result of a certain event occurring. It is a risk management tool. That is all – it is a… Continue reading
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More About Cash
Last week, I talked about cash and reimbursement policies. A few people took exception to a couple of the points that I made which prompted this week’s FWF. Pertaining to cash benefits, the point that I am attempting to make is that there is an extra level of responsibility that comes with access to the… Continue reading
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The Burr Under My Saddle
There are fundamentally two ways for clients to receive benefits from a long term care insurance policy – as cash (indemnity) or via reimbursement. Which is better? Well, that depends upon which company you are listening to. Carriers who only offer cash tout it as the ultimate in control and flexibility. “You don’t need to… Continue reading
Fridays with Fisher 