For the past month, I’ve shared with you the enhancements to the OneAmerica Financial Asset Care underwriting process called Flex. If you want more, here is a link to last week’s FWF. Flex underwriting is intended to make the process quicker. The ideal way to do this is submitting the application via eApp. Here is a... Continue Reading →
More on Flex Underwriting
On October 6, Flex Underwriting for Asset Care was launched in more than 35 states. All business submitted electronically, whether it was through to OneAmerica Financial producer portal (OneSource Online) or your organizations eApp platform, was the beneficiary of Flex. As I noted in an earlier FWF, paper is impacted as well but the impact... Continue Reading →
Flex Underwriting Paths
We have been talking about underwriting for the past few weeks, specifically the introduction of Flex Underwriting that was rolled out in 35 states on October 6. If you want a 3 minute overview of the program, we have one on the Flex Underwriting Resource page. You will also find there the revised process guide... Continue Reading →
Flex Underwriting is here!
Coming your way on October 6 in more than 35 states is Flex Underwriting for the Asset Care® product. Flex Underwriting will be delivering added speed, enhanced intelligence and a more streamlined experience to even more of your cases. The launch of Flex Underwriting marks another important step forward in our commitment to leveraging technology while delivering... Continue Reading →
It’s time to start
According to estimates from the U.S. Department of Health & Human Services, over half of Americans turning 65 today will develop disabilities significant enough to require long-term support and services. This differs from the oft quoted and heavily criticized statistic of 70% of people age 65 will need some form of long-term support and service... Continue Reading →
Easy street or work for you
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 →
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 →
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 →
Fridays with Fisher 
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