-
Q&A -“older” client
Question: I have a client who is 81 years old and very healthy, is Asset-Care a viable product ? Answer: We can consider Asset-Care for someone over the age of 80 if they are part of a joint policy where the joint equal age falls within the maximum age range and that person can qualify from an… Continue reading
-
Asset-Care Overview
For nearly 30 years, the concept of asset-based LTC (aka linked benefit or hybrid LTC/life insurance) has existed. As a matter of fact, Asset-Care is the “grand daddy of them all”. Only one other carrier has that same legacy and commitment to the segment of the LTC market. Typically, most people think of asset-based products as a single premium… Continue reading
-
Q&A – small cash value 1035
Question: My client has a small life insurance policy, can I use the cash value from that policy to fund the Continuation of Benefit Rider (COB) of an Asset-Care policy? Answer: Heck yeah! The Pension Protection Act allows for 10335 exchanges from life insurance and annuities into “qualified” LTC products like Asset-Care & Annuity Care. If your… Continue reading
-
Funding the COB using an HSA
As a reminder, our Care Solutions Continuation of Benefit Rider (COB) is qualified LTCI. Tax-qualified LTCI are qualified medical expenses under IRC Section 213(d), and so are eligible for payment or reimbursement using tax-free Health Savings Account (HSA) distributions. Eligible premiums are the lesser of the actual premiums paid or “age-based” premiums. For a married couple, add the age-based… Continue reading
-
How will you pay?
If you have heard my Care Solutions”dog and pony”, I set things up in the present tense with one question. “If you your health was compromised severely enough to require substantial assistance during your recovery, how would you pay for it?” No matter what your clients tell you, they are sharing their current and likely future… Continue reading
-
Q & A – marketing campaign
Question: You have a ton of producer facing marketing material. Is there anything that I can use with consumers? Answer: Absolutely. We have a boatload of consumer materials as well. These are not limited to product pieces. Our material includes PowerPoints, social media content, scripts for calls or interviews, email text, and more. To find this, you… Continue reading
-
Welcome
I am expanding the Fridays with Fisher space by adding a central hub for the ideas and information that I share with you. Over the next few months, you will find more content being posted the FWF central hub. This will include the sales ideas, Care Solutions product information, and points to consider that you… Continue reading
Fridays with Fisher 
You must be logged in to post a comment.