Tag: Long Term Care

Claims – How About Some Honesty

~ Kevin Fisher

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 Claims – How About Some Honesty

More about qualified money & LTC

~ Kevin Fisher

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 More about qualified money & LTC

ASC & IRA Max – something new

~ Kevin Fisher

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 ASC & IRA Max – something new

Changes to PUI

~ Kevin Fisher

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 Changes to PUI

Make It a Better Experience

~ Kevin Fisher

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 Make It a Better Experience

2024 – A Tune Up to OneAmerica

~ Kevin Fisher

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 2024 – A Tune Up to OneAmerica

2024 – Quick Start Idea – Marketing Store

~ Kevin Fisher

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 2024 – Quick Start Idea – Marketing Store

2024 – Quick Start Idea – Tap into IRAs

~ Kevin Fisher

Two weeks ago, I shared an idea for low hanging fruit using nonqualified deferred annuities for clients under the age of 86.  Another funding source for long term care premiums that I mentioned was using qualified money such as an Individual Retirement Account (IRA) or proceeds from a 403(b) or 401(k) plan. Here is the … Continue reading 2024 – Quick Start Idea – Tap into IRAs

2024 – Quick Start Idea – New Tools

~ Kevin Fisher

Earlier this week, we released a new episode of Coffee Break that I hope you took the time to watch. In it, we shared with you two NEW consumer pieces talking about planning. Please, take a minute to see this week's episode. In this week's episode of Coffee Break, we shared with you 2 new consumer pieces … Continue reading 2024 – Quick Start Idea – New Tools