Form Required 8/1; Revised Application Required 10/1

Model Replacement Form Required Aug. 1, 2017, Newly Revised MO Application required 10/1/2017 Effective August 1, 2017, the Model Replacement form (REPL-2000) is required to be completed and submitted with new business paperwork whenever a proposed insured states they have existing insurance coverage, even if they don’t plan on replacing that coverage. The REPL-2000 replaces the existing Model Replacement form, form MO-R1. This form is required for Individual Life and Annuity agents/producers; Missouri Preneed agents/producers are exempt from this change.   The MO application form 2735FE has also been revised to accommodate the State of Missouri’s Model Replacement requirement; a
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Categories: Industry News, Life Insurance, and National Guardian Life.

NGL: Introducing Benefits Buddy

EssentialLTC just got easier to quote with the release of Benefits Buddy! Download the new Premium Calculator – which now reflects a visually interactive Benefits Buddy tool – to build out the case design that will win over your clients. It’s as easy as 1,2… that’s it! Benefits Buddy will allow you to create your LTCi solution based on your client’s budget. Once you determine risk class, you can customize individual or joint plans. Thanks to Benefits Buddy, you can easily hit that target premium for coverage suitable to your client’s needs. Download Benefits Buddy   Need help? If you
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Categories: Industry News, Long-Term Care, and National Guardian Life.

SPECIAL! Leveraging a Slice to Protect the Whole Pie

Leveraging a Slice to Protect the Whole Pie Join us for live training on the EssentialLTC product with National Guardian Life (“NGL”). During this visually interactive webinar, Guest Speaker Marc Glickman, will uncover the product’s many features including third pool shared benefit, lifetime benefits, 10-pay, and competitive product comparisons. Also, get a sneak peek on a brand new, interactive tool that highlights the myriad of EssentialLTC sales opportunities & showcases its unique features! Tues, July 11, 2017 10:00 AM  to  11:00 AM CDT   Read Full Invitation #goldencareagent #essentialltc #longtermcare
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Categories: GoldenCare News and National Guardian Life.

UPDATE: Form Required August 1, Model Replacement Form

Model Replacement Form Required August 1 in Select States Effective August 1, 2017, NGL will be complying with the state-mandated Model Replacement rule in the required states. Certain states require a Model Replacement form to be submitted with paperwork whenever the proposed insured answers yes to the Applicant Replacement question, even if they don’t plan on replacing that coverage. Between now and August 1, 2017 – policy issuance will not be delayed during this implementation period. Effective August 1, 2017 – policy issuance will be delayed if the form is not included with submitted paperwork. As of 6/22, the following
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Categories: Industry News, Life Insurance, and National Guardian Life.

NGL: What is the Best Way to Submit Multiple Linked Applications?

What is the best way submit multiple applications when there is one check or EFT– like when spouses submit applications at the same time, or a parent and child apply at the same time? What is the best way to ensure both applications will be processed and payments drafted at the same time? Submit both applications and payment (one single check or EFT) with ONE Application Checklist or Fax Cover Sheet. Do not send the applications separately. It is beneficial to include a brief note in the “Special Instructions” of the fax cover sheet specifying there are companion policies to
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Categories: Industry News, Long-Term Care, and National Guardian Life.

2017 MA Medicare Documents Update

UPDATE – MA Medicare Documents Update June 15, 2017 – The state of Massachusetts has revised the Massachusetts Medicare documents that must be left with applicants prior to completing the application. The updated application instructions and documents are now available on the EssentialLTC Agent Resource Center under the “Forms” tab, and by selecting Massachusetts from the “State-Specific Forms” dropdown.   Or, click the link below to view/print MA forms: • NGL EssentialLTC Updated Application Instructions (ICC16-NLTC100-Al-MA-01) • MassHealth (Medicaid) Exemptions Acknowledgement Form • Massachusetts Bulletin For People With Medicare • Your Options For Financing LTC A Massachusetts Guide   2017
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Categories: Industry News, Long-Term Care, and National Guardian Life.

NGL: New Electronic App Kits Available

Wonderful news! Your application kits are now available bundled in an all-inclusive, easy-to-use electronic package! With the new electronic application kits, you will be able to: Easily view and fill out application forms with clients on your computer, laptop or other device; Collect e-Signatures on these forms, for you and clients; and, then You are able to print all the completed forms with one click instead of having to download and print each form separately! * If you choose to email an application kit to a client, please remember: For security reasons, applications which have been completed and contain personal
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Categories: Industry News, Long-Term Care, and National Guardian Life.

Millennials, don’t forget estate planning

It’s not a surprise that people in their 20s and 30s wouldn’t have estate planning at the top of their mind. After all, the creation of legal documents such as living wills, last wills and testaments, powers of attorney for medical and financial well-being, and potential trusts is a foreign concept to many people, especially those who aren’t married or don’t have children. Many people assume you don’t need to work on those plans until your 50s or 60s. That’s a big mistake. The reality is that everyone needs to be thinking about estate planning. Here is why millennials should
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Categories: Long-Term Care and National Guardian Life.