Do you love your mama? We hope so, and your dad as well, as do the majority of people. But there might be some times down the road where some real tough love comes into play with all members of the family. Simply put, that is when decisions about housing and care for your parent(s) need to take place.

Let's face it, most Americans don't have the financial means to have in-home care, move into assisted living, or a nursing home. If they become indigent, you can send them over to Medicaid and they will find them a nice shared room, maybe 40 miles away. The kids can make the pilgrimage to see Mama. Is there anything that can be done now at a reasonable cost? Read on...
 
I am going to preface my remarks with a message to my Medicaid planning professionals across the country. Ohlson Group is one of the largest marketers of "Medicaid friendly" annuities in America. As a matter of fact, we developed proprietary products in that arena with a variety of insurance carriers. I truly respect the work being done by this group of professional agents and attorneys, however, the game has changed and sometimes we need a simple approach. There are a few, let's look...
 
First, we assume that there is not enough free cash flow for Mom and Pop to buy a Long Term Care policy. So, kids, "If you really love your momma," buy one for them and pay the premium. 
 
And what about purchasing a Single Premium Life policy with accelerated benefits? You won't have to go into a facility to claim the benefits. The inability to perform 2 out of the 6 activities of daily living will accelerate the death benefits. Plus, it’s a single premium and we are going to leverage the heck out of the premium. Even with simplified issue, if Mama is 65, we will provide a $200K death benefit. What if an emergency comes up? Return of premium. If she is in good enough health, we will do full underwriting and get a much higher death/accelerated benefit number.
 
Help the kids, help the parents, and co-develop a new niche market. Want to know more? Call us now or schedule a 15 minute meeting with one of our marketers.

In periods of economic unpredictability, "Safe Money Products" provide a sense of security and reliable income. For clients experiencing market fluctuations, our products offer solutions for swift recovery. And markets are always changing, some for better or worse. When it becomes detrimental, and the client suffers a loss, what to do? Read on... 

Down times have always been tremendous times for "Safe Money Products." It’s time to get back with your clients and ask them, "How much can you afford to lose?" If they are desirous of income, the income riders give them safety and an income they can never outlive. Maybe it is time to take a little money off of the table. Now is the time to ask your clients if they are feeling good today or about the near future.

And, what to do if they feel uneasy or have suffered from market loss?
 
Talk about our Safe Money products! There is a way to "recover losses" quickly. How? Here is the deal… Single Premium Life has a "loss recovery" side to the product. If the money your client has is in an account to be passed down, then use the Single Premium Life and increase the value via the death benefit. This is ultimate leverage and additionally, you can get one with accelerated benefits.

First job is a call to the client to line up a review. Next step, after you get the info, is to call us and let us do a personalized loss recovery plan for your clients. So, as they said in The Godfather, "What are you going to do, Pop?" Get on it now... this is good for everyone.