Maximizing Your Annuity

I’ve been riding this topic hard for the last few months and for a good reason!  One of the best funding sources for long term care comes from nonqualified deferred annuities! And, with the unofficial start of summer a few days ago, we all know that now is not the time to take the foot... Continue Reading →

Self-funding Cap

Last week, I started a conversation about self-funding a long term care and I shared a few examples of potential future costs.  As a reminder, OneAmerica offers an  Interactive Cost of Care Map that can help you find the cost of care anywhere in the country.  It’s a great tool to have on your mobile... Continue Reading →

Self-funding Consider the Costs

There are lots of perspectives about long term care and how to pay for it.  An insurance-based strategy is the most cost efficient method regardless of what someone’s net worth. Unfortunately, many people make the decision to self-fund their long term care.  This week, let’s use some numbers to compare the scenarios.  I am going... Continue Reading →

Why? Annuities for LTC … Why Not?

I came across some interesting data a short time ago about annuity based long term care plans.  Inside an article discussing “long term care annuities”, the following data from LIMRA was shared. According to the most recent sales data from LIMRA, stand-alone long-term care insurance sales declined 60% between 2012 and 2016, while sales of... Continue Reading →

Annuity Care Underwriting & Prescreening

Earlier this month on Coffee Break, Niki Johnson shared the underwriting requirements for the Annuity Care products.  If you have not taken time to watch the episode, please do.  As Niki shared, we do underwrite our products.  With Annuity Care products, the underwriting is never more than a phone interview, an MIB check, and a... Continue Reading →

Claims – Make Sure You Know

Last week on Coffee Break, we shared a few pieces of information with you. Elaine Marvin discussed the history and timeline of Care Solutions.  Niki Johnson shared the underwriting requirements for the Annuity Care products.  And, Jen Wagoner examined claims being paid daily versus monthly. If you have not taken time to watch the episode,... Continue Reading →

Don’t Accept the Default Plan

Let me ask you a quick question.  What’s a better … executing a plan or relying on the luck? You know the answer – executing a plan.  Unfortunately, that isn’t the case for most people.  If you recall from the OneAmerica Consumer Sentiment Survey that we released last November, one revelation was that consumers doubt... Continue Reading →

An Old Idea – Split Annuity

We have been on the tax-deferred to tax-free for LTC train for the past few weeks.  It all started with our March episode of Coffee Break.  If you have not seen that episode yet, please take a moment.  I am sure that you’ll get a nugget or two of information from it.  Remember, a new... Continue Reading →

Does It Qualify

A couple of weeks ago on Coffee Break, we shared information about Annuity Care and, in last week’s Fridays with Fisher, I talked about the segment of the tax-code that creates the tax-free benefits offered by Annuity Care. One thing that I often hear is “XYZ indexed annuity includes long term care benefits”.  As I... Continue Reading →

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