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Qualified Money for LTC Funding
A few days ago on Coffee Break, we discussed using long term care as a funding source for long term care. If you have not had a chance to check it out, please do. Let’s cut to the chase – too many people get their noses out of joint when they hear me say use… Continue reading
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Asset Care ROP in Cali
Last month on Coffee Break, we discussed our Asset Care Return of Premium product. Today, we will expand on that with a focus on California. Setting the stage, when Asset Care Return of Premium came about, it was part of the Asset Care repriced from a few years ago. This new version of Asset Care… Continue reading
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Asset Care with & without ROP
Our discussion for the past couple weeks has been focused on Asset Care and the Return of Premium product solution. Today, we will piggy back off of the previous discussions and I’ll share with you a conversation that I had with an advisor a short time ago. Before we get into it, if you have… Continue reading
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ICE & 4 Ls From Niki Johnson
A couple weeks ago on Coffee Break, I was joined by Jen Wagoner, Elaine Marvin, and Niki Johnson to share some perspectives about our Asset Care Return of Premium product. If you have not seen the January Coffee Break, you can check it out here. Or, you go to the website LTCcoffeebreak.com where you can… Continue reading
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Asset Care ROP Color Commentary
Last week, our first Coffee Break episode of 2022 was released. In it, I was joined by Jen Wagoner, Elaine Marvin, and Niki Johnson. We talked about the Asset Care Return of Premium product solution that was introduced with the 2017 Asset Care reprice. If you have not seen the January Coffee Break, you can… Continue reading
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Asset Care Left Pocket to Right
Earlier this week, I released a new episode of Coffee Break focusing on the Asset Care Return of Premium product. Jen Wagoner, Niki Johnson, and Elaine Marvin joined me to share their perspectives on the product. Please, grab yourself a cup of coffee and take a few minutes to hear what they shared. If you… Continue reading
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Leading off 2023
Happy New Year! Just a reminder, we have made a couple of adjustments to the Care Solutions distribution model. It is pretty basic, but I want to repeat this for you. Justin Fox and I will be your Care Solutions wholesaling team. It is our responsibility to partner with you to support you and your… Continue reading
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Moving on from 2022
2022 is almost history. For some, it is good riddance. For others, there are fond memories. No matter how you slice it time rolls on and 2023 is upon us. Before we roll into the new year, I want to remind you of a few things for 2022 that might prove to be useful in… Continue reading
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What’s your Plan?
This week, I hope to be brief. Afterall, most people are taking time off or slowing down between now and the start of the new year. With this in mind, I have a quick question – what’s your plan for doing business in 2023? For some, it might be increasing your consumer outreach. We can… Continue reading
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Averages & LTC Planning
A short time ago, on LTC Coffee Break, I spoke with Jen Wagoner about state-sponsored long term care programs like the Washington state CARES Fund. If you did not catch our conversation, take a few minutes to check it out. For additional LTC Coffee Break episodes, you should go to the LTCCB Channel. Remember, LTC… Continue reading
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State Funded LTC Programs
Last week, I spoke with Jen Wagoner (my counterpart from the west coast) about state-sponsored long term care programs and pending legislation. If you did not catch our conversation, take a few minutes to check it out. For additional LTC Coffee Break episodes, you should go to the LTCCB Channel. Remember, LTC Coffee Break is… Continue reading
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Asset Care Premium Reduction
That’s right – you heard me … Asset Care premiums will be decreased for the second time in 2022. This will be effective December 9, 2022. New rates will not be available to illustrate until that date. Here are the funding strategies being impacted: In California, Asset Care I, II, and III will be changed… Continue reading
Fridays with Fisher 
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