Asset Care
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Qualified Money Funding with Annuity Care
So, your advisor tells you that your “$1.5 million is enough to self-insure.” For over a month, I have challenged that premise using a scenario that represents an average duration situation 10 years in the future using today’s dollars as a cost benchmark. Needless to day, after a 3 year duration situation, the account value… Continue reading
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A million five and the qualified money idea
For the past few weeks, we have been focusing on the statement from an advisor that $1.5 million is enough to “self-insure” (his words not mine). Last week, I shared the leverage story of using annuity dollars and Annuity Care II as a way to improve the situation. As I have come to expect, the… Continue reading
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$1.5 million and how I got there
Last week, I shared my concern about the fallacy of having $1.5 million in assets (excluding your home’s value) being enough to skip LTC insurance. Boy, did I get some feedback on that – some was supportive; some was not so kind. If you recall, I did say “you can rip this apart in a… Continue reading
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Is $1.5 million enough?
Over the past hour today, I have read several articles from investment gurus and insurance organizations that have ruffled my feathers. In one article from an insurance trade group, it said “if your net worth is at least $1.5 million (not including the value of your home), you can safely skip buying long term care… Continue reading
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Planning Objections
In last week’s Fridays with Fisher, I shared with you a bit about conducting a planning conversation with your clients. I shared a few tips to help with the quality of your conversation as well as the OneAmerica Financial Plan for Care worksheet. One thing that I mentioned briefly in past posts about client plan… Continue reading
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Review Your Clients
Last week, I shared with you 3 of my goals for the first quarter of the year. One of them is to collaborate with agents & advisors to identify opportunities within their existing book of business. Regardless of how you dissect your book of business, there is one thing that you need to do –… Continue reading
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Welcome to 2026
We are 1 day into the new year. HAPPY NEW YEAR!!! One thing that we all do is make resolutions that we ultimately end up dismissing during the course of the year. I’m guilty – I do that and did that in 2025. This year, I took it up to do some thinking and research… Continue reading
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Just for the kicks – AI says …
Just for the kick of it, I asked ChatGPT to “WRITE AN ARTICLE ABOUT LONG-TERM CARE PLANNING” and this is what it spilled out. Long-Term Care Planning: Why It’s Essential for Your Future When most people think about their future, they envision retirement, travel, and spending time with family. However, there’s another important aspect that… Continue reading
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Time to Get Personal
Last week, I talked about reviewing your book of business and combing for opportunities within your client base. This week, I will talk about reviewing someone’s long-term care plan. “You talk about that all the time,” you say. That is true. Today, however, I am making it personal. I want YOU to review YOUR plan… Continue reading
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Review the Book
Last week, I shared a few outreach ideas that you can employ to jumpstart your business for next year. I intentionally omitted a couple in order to elaborate on one of them this week. This week, I will talk about reviewing your book of business. The best prospect is always an existing client. You already… Continue reading
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Make Underwriting Smoother
For the past month, I’ve shared with you the enhancements to the OneAmerica Financial Asset Care underwriting process called Flex. If you want more, here is a link to last week’s FWF. Flex underwriting is intended to make the process quicker. The ideal way to do this is submitting the application via eApp. Here is a… Continue reading
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More on Flex Underwriting
On October 6, Flex Underwriting for Asset Care was launched in more than 35 states. All business submitted electronically, whether it was through to OneAmerica Financial producer portal (OneSource Online) or your organizations eApp platform, was the beneficiary of Flex. As I noted in an earlier FWF, paper is impacted as well but the impact… Continue reading
Fridays with Fisher 
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