Annuity Care Underwriting & Prescreening

Earlier this month on Coffee Break, Niki Johnson shared the underwriting requirements for the Annuity Care products.  If you have not taken time to watch the episode, please do.  As Niki shared, we do underwrite our products.  With Annuity Care products, the underwriting is never more than a phone interview, an MIB check, and a... Continue Reading →

Underwriting Rated Cases

Last week, I made a bold statement that EVERYONE wants the "layup" business where the clients are in good health and can be moved through underwriting based upon a phone interview. It's true - anyone can do that. What is also true is that OneAmerica chooses to offer solutions to more people because OneAmerica is... Continue Reading →

OneAmerica Underwriting Advantage

Here is a general statement about underwriting in the linked benefit / hybrid / asset-based long term care space ... EVERYONE is willing to work with clients who are table 4 or better; EVERYONE offers streamlined underwriting (in one form or another); andEVERYONE offers products for people 75 and younger. ONLY ONEAMERICA offers you ...... Continue Reading →

Poo Wee or PUI

This week's LTC Coffee Break was a full edition that featured Phyllis Shelton. It was a wide ranging conversation that included conversations about our responsibility as advisors to include long term care funding in our planning conversations, her thoughts on asset-based long term care, her thoughts on plan designs, and a bunch more. LTC... Continue Reading →

A Plug for Asset Based LTC

I don't claim to be unbiased. I admit that I have an agenda. I want you to address your client's long term care funding needs using the products that my company (OneAmerica) produces and distributes (Asset Care and Annuity Care). That is my agenda - I want your business. That is why I share ideas... Continue Reading →

Some Tools For You

As you know, I am on vacation this week. Actually, it will be no vacation as I am moving from our 200 year old historic home in Somers, CT to a newer home a few miles away. (Shameless pitch - if you know of anyone looking for a historic home that wants to live in... Continue Reading →

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 →

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 →

Expedited Underwriting

Earlier this week on LTC Coffee Break, we shared with you the announcement to changes to our expedited underwriting program. LTC Coffee Break with Florio & Fisher review changes to the expedited underwriting, It's funny - after our broadcast, I received a few emails saying, "I didn't know that you had expoedited underwriting. I believed... Continue Reading →

Asset Care Underwriting Advantage

Fridays with Fisher and LTC Coffee Break are for financial professionals only.  We will discuss asset-based LTC, selling strategies and marketing tools using OneAmerica's Care Solutions portfolio with your clients along with other non-consumer information. Every Tuesday morning at 10 am, Michael Florio and I host our webcast LTC Coffee Break. To check out this week's episode,... Continue Reading →

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