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Annuity funding – split annuity
Do me this favor – contact me with your net annuity case for a client who is 70 or older and has that money earmarked as either “leave on” or “emergency” money. We might be able to create a better solution. Continue reading
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Use the deferred annuity to fund LTC
Please contact either Justin Fox or me for mor information about using nonqualified deferred annuities as a solution for long term care funding. Continue reading
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The Problem with LTC
Last week, I vented about what I believe is a major disservice that is taking place by carriers. I believe that carriers are sharing the full story of how their products work when they are utilized by their insured’s family. And we wonder why there is a credibility problem with the industry …. (Here is… Continue reading
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Claims – How About Some Honesty
I am going to risk creating a bunch of unfriendly comments this week by venturing in the discussion of which benefit solution is better – reimbursement or indemnity. I deserve to be heard on this because our peers have been doing an outstanding job marketing the value of cash indemnity product offers while demonizing reimbursement… Continue reading
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Tax Information & More
No matter what the economy does, taxes are always a key component of planning for every individual and business. Inflation is still high, but certainly lower than last year, resulting in a more modest increase in the numbers for 2024. For example, Social Security’s COLA increase is 3.2% (down from a substantial 8.7% increase last… Continue reading
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More about qualified money & LTC
Last week, I started the FWF conversation talking about qualified money and IRA maximization. The thing about IRA max is that it is a leverage play – a planning tool while living and insurable. (remember, this conversation is for non-Roth accounts.) But, what happens if the planning windows is slammed shut because the IRA owner… Continue reading
Annuity Care, Asset Care, Campaigns, Care Solutions, Consumer Approved, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Guarantees, Indexed Annuity Care, Joint Policy, Long Term Care, LTC Coffee Break, Marketing Material, New Business, OneAmerica, qualified money, UnderwritingAnnuity Care, Annuity Care II, annuity funded whole life, Asset Based Long Term Care, asset based LTC, Asset Care, Assetbasedltc.com, Care Solutions, Fridays with Fisher, Indexed Annuity Care, Jen Wagoner, Kevin Fisher, Long Term Care, LTC claims, Niki Johnson, OneAmerica, OneAmerica.com, Qualified Money Funding LTC, undewriting -
ASC & IRA Max – something new
IRA maximization is one of the first funding strategies that I was introduced to more than 3 decades ago when I was first entered the insurance industry as a career agent in southern New Hampshire. According to the Congressional Research Service, the Federal Reserve’s Financial Accounts of the United States report said that as of… Continue reading
Annuity Care, Asset Care, Campaigns, Care Solutions, Consumer Approved, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Guarantees, Indexed Annuity Care, Joint Policy, Long Term Care, LTC Coffee Break, Marketing Material, New Business, OneAmerica, qualified money, UnderwritingAnnuity Care, Annuity Care II, annuity funded whole life, Asset Based Long Term Care, asset based LTC, Asset Care, Assetbasedltc.com, Care Solutions, Fridays with Fisher, Indexed Annuity Care, Jen Wagoner, Kevin Fisher, Long Term Care, LTC claims, Niki Johnson, OneAmerica, OneAmerica.com, Qualified Money Funding LTC, undewriting -
Changes to PUI
Another day goes by and OneAmerica Financial has another enhancement to the Care Solutions asset-base long term care line of business. No, there is no product change to announce. The most recent change is to the Pre Underwriting Inquiry process. A Pre-Underwriting Inquiry (PUI) is the informal inquiry program for the Care Solutions products where you can… Continue reading
Annuity Care, Asset Care, Campaigns, Care Solutions, Consumer Approved, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Guarantees, Indexed Annuity Care, Joint Policy, Long Term Care, LTC Coffee Break, Marketing Material, New Business, OneAmerica, qualified money, UnderwritingAnnuity Care, Annuity Care II, annuity funded whole life, Asset Based Long Term Care, asset based LTC, Asset Care, Assetbasedltc.com, Care Solutions, Fridays with Fisher, Indexed Annuity Care, Jen Wagoner, Kevin Fisher, Long Term Care, LTC claims, Niki Johnson, OneAmerica, OneAmerica.com, Qualified Money Funding LTC, undewriting -
Asset-Based LTC Page Tips
If you have taken some time to browse the updated oneamerica.com website, you will notice that the layout has changed. To start, to navigate to the producer asset-based long term care page, you will need look at the top menu bar and select asset-based long term care in the For Financial Professionals. Once there, you can… Continue reading
Annuity Care, Asset Care, Campaigns, Care Solutions, Consumer Approved, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Guarantees, Indexed Annuity Care, Joint Policy, Long Term Care, LTC Coffee Break, Marketing Material, New Business, OneAmerica, qualified moneyAnnuity Care, Annuity Care II, annuity funded whole life, Asset Based Long Term Care, asset based LTC, Asset Care, Assetbasedltc.com, Care Solutions, Fridays with Fisher, Indexed Annuity Care, Jen Wagoner, Kevin Fisher, Long Term Care, LTC claims, Niki Johnson, OneAmerica, OneAmerica.com, Qualified Money Funding LTC -
Make It a Better Experience
We are a month into 2024 and I’ve just returned from the annual OneAmerica Financial National Sales Meeting. There are a few important pieces of information that I need to share with you. First, OneAmerica has rebranded to OneAmerica Financial. Keep your eyes and ears open for more information including a new OneAmerica Financial television… Continue reading
Annuity Care, Asset Care, Campaigns, Care Solutions, Consumer Approved, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Guarantees, Indexed Annuity Care, Joint Policy, Long Term Care, LTC Coffee Break, Marketing Material, New Business, OneAmerica, qualified moneyAnnuity Care, Annuity Care II, annuity funded whole life, Asset Based Long Term Care, asset based LTC, Asset Care, Assetbasedltc.com, Care Solutions, Fridays with Fisher, Indexed Annuity Care, Jen Wagoner, Kevin Fisher, Long Term Care, LTC claims, Niki Johnson, OneAmerica, OneAmerica.com, Qualified Money Funding LTC -
2024 – A Tune Up to OneAmerica
Earlier this week, OneAmerica announced a few changes. I am going to assume that you have not heard about them. Before anyone gets overly excited, I will crush the hope of a product revision. That is not the case. The OneAmerica brand is getting a facelift in order to better disclose what the company does. Simply, the new brand… Continue reading
Annuity Care, Asset Care, Campaigns, Care Solutions, Consumer Approved, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Guarantees, Indexed Annuity Care, Joint Policy, Long Term Care, LTC Coffee Break, Marketing Material, New Business, OneAmerica, qualified moneyAnnuity Care, Annuity Care II, annuity funded whole life, Asset Based Long Term Care, asset based LTC, Asset Care, Assetbasedltc.com, Care Solutions, Fridays with Fisher, Indexed Annuity Care, Jen Wagoner, Kevin Fisher, Long Term Care, LTC claims, Niki Johnson, OneAmerica, OneAmerica.com, Qualified Money Funding LTC -
2024 – Quick Start Idea – Marketing Store
One thing that is vitally important to our success as advisors / agents / agencies is filling our pipeline with prospects then converting them into clients. For some, client acquisition is “old school” where they dive into their client base and perform annual reviews. Others employ seminars to attract new clients by offering educational opportunities. … Continue reading
Fridays with Fisher 
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