-
Expedited Underwriting
Earlier this week on LTC Coffee Break, we shared with you the announcement to changes to our expedited underwriting program. It’s funny – after our broadcast, I received a few emails saying, “I didn’t know that you had expoedited underwriting. I believed that Asset Care was full underwriting with APS and paramed.” Well, shame on… Continue reading
-
More Than LTC Solutions
This week, I am going to jump off of the subject of long term care and our Care Solutions portfolio to ask you – did you know that OneAmerica offers more than the the deepest and broadest asset-based long term care product portfolio? There is more to OneAmerica than the Care Solutions portfolio. Employee Benefits… 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
-
Benefits to Meet Your Needs
In this week’s LTC Coffee Break broadcast, we shared with you some of the unique features of Asset Care. Some of those features are: guaranteed premiums and benefits true joint coverage – 1 policy two lives LTC benefits can range from 25 months to unlimited lifetime funding options that include 5 year, 10 year, 20… Continue reading
-
Premium Funding Using Existing Sources
At the start of the month, I asked the following: Name a long term care premium funding source that does not come from income, income producing assets, or qualified money. The answer to my inquiry is exercising a 1035 exchange from a cash value life insurance policy into Asset Care or one of our Annuity… Continue reading
-
Virtual Product Training
Learn About the deepest set of solutions in the industry If you’ve been around the industry for any time, you will understand the changes and challenges that long term care insurance has faced. For better or for worse, it is an evolving landscape of solutions. The is one constant – OneAmerica’s Care Solutions. For over… Continue reading
-
Deep Dives
As the leader in asset based long term care, OneAmerica does not believe in a “one size fits all” approach to long term care funding. From pay-as- you-go to annuities to qualified money to 1035 exchanges, the Care Solutions portfolio offers premium flexibility. On top of that, Care Solutions products can provide benefits for a… Continue reading
-
New Year’s Challenge
Well, it is over. The mess of 2020 has ended and I, for one, am looking forward to getting started in 2021. One thing for certain that 2020 gave us is that it forced us to “get outside of the box”. Think about how many times that you wrote that down as your goal or… Continue reading
-
Merry Christmas
This week’s Fridays with Fisher will be brief. I simply want to wish you a Merry Christmas (and a belated Happy Hanukkah). I hope that you and your family are safe and able to share some memories (new and old) today. Please, stay safe and celebrate the season. To learn more about long term care… Continue reading
-
Riverboat or Yacht
Yesterday, I shared a video that I shot from the banks of the Savannah River. While it was somewhat “lame”, the intent is to illustrate an analogy that I have heard a few folks use regarding deferred annuities. Simply – the question that is asked to advisors is “are you talking to your clients about… Continue reading
-
More Than One Way To Pay
One thing that we always discuss from a planning perspective is how will you pay. How will you pay for care if it is needed ? How will you pay if you have to provide care yourself? How will you pay the premium for your policy? As Harley Gordon says, every decision has consequences. And,… Continue reading
-
Qualified Money
As part of our Leading Tomorrow with One America speaker series, Ed Slott – America’s IRA expert shared his insights into IRA and qualified money. I am not going to dive into the Asset Care solution being funded by qualified money discussion. That is for another time – what I am going to do is… Continue reading
Fridays with Fisher 