plan
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Back to the Basics
“Why do you think I’m the best player in the world? Because I never get bored with the basics. I never get bored with the basics.” Kobe Bryant This week, I want to get back to the basics – the fundamentals of asset-based LTC using Care Solutions products. Asset-based (aka linked-benefit) LTC has been in… Continue reading
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A Note to Advisors
Last week, I shared with you a link to a report that I found online from the from the Leonard Davis Institute for Health Economics. Since I’m on an AI kick, I asked Copilot to summarize the information presented in the report and present it in a blog format with the intended audience being financial… Continue reading
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Have a Plan
For the last month, I’ve been leaning into the AI discussion about what AI will say if someone asks about how to pay for long term care. As you would expect, the results differ slightly but the general consensus is that asset-based (linked-benefits) policies are a good way to fund a long-term care event. Here’s… Continue reading
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It’s a tool
As you know, the past few weeks in FWF, I have shared what AI (Artificial Intelligence) is saying about long-term care. I asked 3 different AI platforms that same question and came out with different responses. This was a bit surprising to me as I did not change the question that I asked – “what… Continue reading
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Plan – Plan – PLAN!!!!!
30+ years ago when I started in this industry as a career agent in Keene NH – the tagline used by the insurance company that I represented was “you cannot predict but you can prepare”. For many of us, we’ve all witnessed the impact of planning first-hand – in our families, amongst our circle of… Continue reading
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Enhance your default plan
Last week, I shared with you a little bit about the gap that self-funding poses based upon information presented on the Federal Long Term Care Insurance Program website which made the case against self-funding LTC. I’d like to present an alternative to the risk-retention approach that most people accept. Using a similar set of numbers… Continue reading
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Just like OneAmerica but …
I’ve been on a tear for the past couple of weeks about other carriers being “just like OneAmerica”. The only thing worse is when they spin something that OneAmerica has done for decades as something new. It’s not new … it’s asset-based long-term care. That has been a planning solution for nearly 4 decades. And,… Continue reading
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A million & a half made better
Last week’s post received a ton of feedback. Thank you for your opinions. Remember what I said? The scenario can be ripped apart in a bunch of different ways and it was a small amount of effort that I put in to demonstrate how an AVERAGE long-term care event can totally disrupt a plan. In… Continue reading
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Planning Objections
In last week’s Fridays with Fisher, I shared with you a bit about conducting a planning conversation with your clients. I shared a few tips to help with the quality of your conversation as well as the OneAmerica Financial Plan for Care worksheet. One thing that I mentioned briefly in past posts about client plan… Continue reading
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Client Reviews
Last week, I talked about reviewing your book of business in order to mine opportunities. In all likelihood, you already do client reviews but, it serves as a reminder that best way to grow your book of business is with the clients that you already have. The second part to this is that the review… Continue reading
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Review Your Clients
Last week, I shared with you 3 of my goals for the first quarter of the year. One of them is to collaborate with agents & advisors to identify opportunities within their existing book of business. Regardless of how you dissect your book of business, there is one thing that you need to do –… Continue reading
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Welcome to 2026
We are 1 day into the new year. HAPPY NEW YEAR!!! One thing that we all do is make resolutions that we ultimately end up dismissing during the course of the year. I’m guilty – I do that and did that in 2025. This year, I took it up to do some thinking and research… Continue reading
Fridays with Fisher 