Sentinel Independence Day Holiday Office Hours

Holiday Office Hours It’s time for picnics, ice cream, fireworks, and holidays! Our administrative offices will be closed all day on Tuesday, July 4, 2017 in observance of Independence Day. We will resume normal business hours on Wednesday, July 5, 2017. Commissions that would have been paid on July 4th will be paid on July 5th per our regular schedule. #goldencareagent #sentinel
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Categories: Industry News, Life Insurance, Medicare Supp./Adv., and Sentinel Security Life.

Sentinel Plan Life Products

Frequently Asked Client Questions One of the most frequently asked questions from our clients is whether or not they can have more than one life insurance policy. Click on the link below for a helpful blog that you can share with your clients. Sentinel Security Life Blog Check back frequently for more tips and other useful information!   #goldencareagent #sentinel
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Categories: Industry News, Life Insurance, and Sentinel Security Life.

Sentinel Underwriting Tip

Methotrexate Methotrexate is an immunosuppressant medication. It may be prescribed to treat cancers, forms of arthritis, and psoriasis. Methotrexate use is of underwriting concern. Below are some conditions that when treated with this medication, or combination of this medication, are a decline for Medicare Supplement coverage. Osteoarthritis treated with any dosage of Methotrexate Rheumatoid arthritis treated with any dosage of Methotrexate and Prednisone Rheumatoid arthritis treated with more than 25 mg/week of Methotrexate #goldencareagent #sentinel
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Categories: Industry News, Medicare Supp./Adv., and Sentinel Security Life.

Sentinel Underwriting Tip

Osteoporosis Osteoporosis is a disease of the bones. It happens when you lose too much bone and/or make too little bone. This means your bones become weak and may break from a minor fall or, in serious cases, even from simple actions, like sneezing or bumping into furniture. Osteoporosis means “porous bone.” Under a microscope healthy bones look like a honeycomb but in bones with osteoporosis the honeycomb holes and spaces are much bigger. This means your bones have lost density or mass and that the structure of your bone tissue has become abnormal making the bone weaker and more
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Categories: Life Insurance, Medicare Supp./Adv., and Sentinel Security Life.

Medicare Supplement News – Sentinel Security Life

Medicare Supplement Replacements Notifying another company that coverage is being replaced is the responsibility of the insured or agent. Unlike life insurance replacements, state regulations do not require Sentinel to notify the replaced company when a new policy is issued. Federal regulations do not allow more than one Medicare Supplement/Medicare Advantage to stay in force at the same time, making it very important that the other coverage is replaced at the same time the new coverage takes effect. Please note: if coverage overlaps, and a change in effective date is requested, any premium refunded will include a deduction of claims
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Categories: Medicare Supp./Adv. and Sentinel Security Life.

Sentinel: New Vantage Tele-App

Sentinel Security Life is proud to introduce the New Vantage telephone application submission process. This new submission process allows you to complete 100% of an application over the phone. The tele-app also includes a point-of-sale underwriting decision which allows you to know if the policy is approved, rated, or declined before ending the call.    • Average call lasts 20-25 minutes    • No Phone Health Interview    • All signatures and disclosures are voice recorded    • Avoids incomplete applications Click on the link below to review the Tele-app instructional guide. If you have any questions please call the Sentinel Security Life Sales
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Categories: Life Insurance and Sentinel Security Life.

Medicare Supplement News – Sentinel Security Life

Pennsylvania Rate Increase Effective May 1, 2017 the rates in Pennsylvania will increase by 3% for all plans. Existing policies will experience a rate increase effective May 7, 2017. Letters to existing policy holders regarding the rate adjustments have been mailed from our office. You may follow the link below to download the new Outline of Coverage or go to our Producer Portal for all other product forms. Pennsylvania Outline of Coverage Below is a letter explaining the rate adjustment that is available to download or print. Pennsylvania Rate Increase Letter #goldencareagent #sentinel
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Categories: Medicare Supp./Adv. and Sentinel Security Life.

Sentinel: New Commission Payout Schedule

Sentinel Security Life is proud to announce that commissions on New Business will be paid daily starting April 3, 2017. This change will ensure that you, our agents, will be paid faster. Policies must be issued with premium received in order to be in the daily payout. Renewal commissions will continue to be paid on a weekly basis. Even though new commissions will occur daily, it still may take 2-3 business days for funds to be deposited into your bank account from the date the policy is issued. If you have any questions, please call Licensing/Commissions at 1-800-247-1423.   #goldencareagent
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Categories: Life Insurance, Medicare Supp./Adv., and Sentinel Security Life.

Sentinel Underwriting Tip

Blood Thinners and Diabetes Diabetes combined with blood thinners can be a significant underwriting concern. Sentinel Security Life declines Medicare Supplement applications for this combination and may rate New Vantage Life applications. Diabetes can damage blood vessels increasing the chance of forming a blood clot. Clots can be dangerous especially if they form in areas where the inner linings of blood vessels have been damaged. Blood clots can lead to heart attack, stroke and other serious issues. Blood thinners can help reduce this risk. However, research has shown that taking a blood thinner in combination with diabetes medications increases the
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Categories: Life Insurance, Medicare Supp./Adv., and Sentinel Security Life.