I’ve got a challenge for you. We all know that you can (and do) write business with other carriers. It’s just a fact and I don’t begrudge you for it. In fact, finding the best solution possible for your client is what we are supposed to be doing. Let me ask this question. Are you... Continue Reading →
Instant Approval
Last week, I shared some information about the Pre-Underwriting Inquiry opportunity for any client that you may have. Again, it is simply a tool that we encourage you to use BEFORE submitting a formal application. Today, with a mind toward underwriting, I am sharing with you an INSTANT APPROVAL underwriting opportunity. This is a very... Continue Reading →
I’ve got a client who
We've all said this at one time or another - "I've got a guy who ..." They have a few things going on with them medically where you're uncertain whether or not they would qualify for long term care coverage. I get it - there is nothing worse than putting a boatload of time into... Continue Reading →
You can afford that
I read an article in the Journal of Accountancy recently that made me scratch my head and ponder the possibilities. In the article called “The long term care quandary: helping clients prepare”, a statement was made that I am not fully convinced is a solid “rule of thumb” (their words not mine). “There’s a long-standing... Continue Reading →
Leverage is more than insurance
For the last couple if weeks, I have been sharing the terminology leverage as it relates to a long term care funding strategy. Of course, this is unique to insurance solutions where pennies are leveraged into dollars. Have you considered that there is another form of leverage that can be applied to the long term... Continue Reading →
My Leverage Conversation
I had a conversation a short time ago with an advisor asked him to prove to me his allocation strategy was solid enough to meet my two basic retirement objectives – income in retirement I will not outlive as well as leave some money for my children and grandchildren. It all went really well until... Continue Reading →
Leverage or Self-Funding
Here is a little nugget that is often overshadowed with false optimism. It comes in a few different forms but ultimately boils down to people thinking that it will not happen to them. Regardless of the reason – people believe that they are exempt from a long-term care situation. Worse yet is the cluster of... Continue Reading →
Plan & Tell
In the long-term care insurance segment, there has been a bunch of noise (might I say criticism) about how one will receive payment for care (either a cash benefit or as a reimbursement benefit). Let’s be serious about this … when you need a source of money for care, does it really matter if it... Continue Reading →
OneAmerica Sponsors PBS’s Caregiving
OneAmerica Financial believes that at the heart of insurance distribution lies a powerful truth: every policy delivered, every financial strategy crafted, and every family protected reflects a deep commitment to caregiving — not only in the traditional sense, but in how you care for your clients’ futures. That commitment is why OneAmerica is proud to... Continue Reading →
Funding Flexibility
One thing that makes Asset Care unique in the Asset Based long term care space is its funding flexibility. One of the more “famous” approaches is utilizing the only turnkey solution for funding using qualified money. That’s not what I am going to discuss today. As you are hopefully aware, Asset Care accommodates both single... Continue Reading →
Asset Care – Informal Care Discussion
In last week’s Fridays with Fisher, I discussed one of the conversations that occurred during the Asset Care 2024 rollout meetings in New Jersey. The discussion related to inflation and including it for an older client (closer to 70). Today, I want to share another conversation from the meetings. Before I get to that, I... Continue Reading →
Asset Care & Inflation
Last week while I was in New Jersey sharing the Asset Care 2024 story, I shared an opinion about inflation versus no inflation for an older age applicant. I said, “typically, I do not recommend adding inflation for someone age 70 or older because at a 3% compound rate, it will take XX years to... Continue Reading →
Fridays with Fisher 
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