Elaine Marvin
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NEW – Asset Care Updates
There are a few things going on with Asset Care – the industry leading life insurance based long term care policy. 4% Acceleration for joint policies One thing that OneAmerica prides itself on is the ability to devise custom long term care funding strategies to meet their clients’ unique needs. With this in mind, the… Continue reading
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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
Annuity Care, Care Solutions, Continuation of Benefit Rider, Fridays with Fisher, Funding Sources, Guarantees, Indexed Annuity Care, Joint Policy, Long Term Care, LTC Coffee Break, OneAmerica, Taxes & Trustsadvanced sales, Annuity Care, Annuity Care II, Asset Care, averages, Averages and LTC, buy sell, Care Solutions, Coffee Break, Elaine Marvin, Executive Bonus, Fridays with Fisher, Indexed Annuity Care, Jen Wagoner, Kevin Fisher, Leverage, Long Term Care, LTC, Million Dollar Annuity Strategy, Niki Johnson, OneAmerica -
Averages … Leverage
Last week, I preached about averages and the risk that we run by ignoring true cost of being average. As a reminder, in 20 years, assuming everything is average – you can expect that the average American will – I also made the statement (which some of you disagreed with) – average care will… Continue reading
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Averages
In this week’s Coffee Break, Elaine, Niki, Jen and I discussed averages and the longevity of a long term care claim. If you have not taken time to view it, please do – we share some interesting information and Jen has one heck of a piece of trivia for you to use. I’m going to… Continue reading
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Maximizing Your Annuity Concept
Last week , I set the table for this part of the conversation about maximizing your annuity. Please, take a minute to refresh your memory of the opportunity. This is not a MYGA or rate chasing strategy, but a strategy where we are able to transform taxable gain into tax free income if it is… Continue reading
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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
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Benefit of a Cap to Self-funding
Last week’s Fridays with Fisher was about a strategy to cap the risk that a self-funding strategy presents. A lot of people reached out to me and told me that they did not like it. I hear what you say and understand why. One thing that I believe that many people did not pick up… Continue reading
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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
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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
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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
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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
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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
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