Something to Consider – Averages are Dangerous

Last week, I shared with you the extended care experience of my immediate family. If you recall, the actual duration for care for both of my grandfathers surpassed the industry average by almost 5 years.  And, the average duration of care for my grandmothers and aunts (excluding memory care) was about 9 years.  I am... Continue Reading →

Something to Consider – Averages are BS

For the past couple of weeks, I’ve been spending time in meetings with advisors, product experts, industry stiffs, and a whole bunch more.  One thing that that is sitting with me like a rock in my shoe poking into my sensitive arch is this – the conversation focuses on averages. In my family, average is... Continue Reading →

Annuity Care – Underwriting

A couple of months ago, I shared with you some Annuity Care pieces of information. One thing that I neglected to mention is this - there a few carriers that offer Pension Protection Act compliant annuity products like our Annuity Care product series. And, frankly, OneAmerica is the only carrier in that space with a... Continue Reading →

NEW – Asset Care Updates

There are a few things going on with Asset Care – the industry leading life insurance based long term care policy.  Re-introduction of 4% acceleration for joint policies. Introduction of new plan design for joint policies – 50 month continuation of benefits rider Launch of new illustration consumer presentation for Asset Care 4% Acceleration for... Continue Reading →

Annuity Care – Notices of Importance

Last week, I spoke about leverage and using Indexed Annuity Care as a funding strategy – what I am calling the million dollar annuity strategy.  Learn more about it at   https://fridayswithfisher.com/million-dollar-annuity/.  My “big ask” of you for the million dollar annuity strategy is to identify 3 or 4 annuity owners 75 or older who might... Continue Reading →

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