Promote Life Insurance In September… And Beyond!

September is Life Insurance Awareness Month (“LIAM”) and a great reason to connect with potential and existing clients. This national, industry-wide campaign helps educate Americans about the importance of life insurance and helps ensure more families are adequately protected. 2016 LIFE HAPPENS LIAM SPOKESPERSON Danica Patrick is this year’s LIAM spokesperson. Learn why the most successful woman in the history of American open-wheel racing believes in life insurance. Click Here to learn her story.   #goldencareagent
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Categories: Industry News and Life Insurance.

“An Insurance Agent’s Case for Buying Long-Term Care Insurance,” by Scott Olson, Next Avenue

A rebuttal to the recent article by Next Avenue’s Money Editor “It took a lot of guts for Next Avenue’s Money & Security Editor Richard Eisenberg to share his experience in, “Should I Buy Long-Term Care Insurance?” The article is a compilation of what I believe are the most common misconceptions consumers have about long-term care insurance. If long-term care insurance was anything like what he describe, I would never buy it.  In this rebuttal, I’ll address each misconception one-by-one in a series of questions and answers, sharing as many facts as possible.” LTC Comment (from Stephen A. Moses, President,
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Categories: Industry News and Long-Term Care.

Medicare Supplement News – Omaha Family of Companies

Upcoming Rate Adjustments Please review information on upcoming rate adjustments in AR, IA, ND and NV.       • 1990 Standardized Rate Adjustment– Iowa and Nevada       • 2010 Modernized New and In-force– Arkansas       • 2010 Modernized In-force Only Rate Adjustment– Iowa and North Dakota       • Plan N Rate Adjustment– Arkansas #goldencareagent
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Categories: Medicare Supp./Adv. and Mutual of Omaha (& Affiliates).

LifeSecure Home Office Closed on Labor Day

Please be aware that LifeSecure’s home office will be closed on Monday, September 5, in observance of Labor Day. All departments will re-open Tuesday, Sept. 6, at 8 a.m. ET. To view LifeSecure’s complete schedule of modified office hours for 2016, see below or click here. Thank you for choosing LifeSecure Insurance Company! #goldencareagent #LifeSecure
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Categories: Industry News and Life Secure.

Good News! | Maximize Your Commissions with GTL Advantage Plus!

Maximize Your Commissions with GTL Advantage Plus! (It is a MUST with Medicare Advantage!) Add a great product to your sales portfolio that will bring you more commissions, and protect your clients. • EASY APPLICATION 5 short questions and guaranteed issue for ages 64 ½ to 65 ½ years • QUICK ISSUE Business issued in minutes with iPhone/iPad app and e-app • COMPETITIVE COMPENSATION Commissions paid weekly • FULL COVERAGE 24-hour hospital “observation” stays are covered What’s new about Advantage Plus? Click Here for GTL’s communication. And how is it a MUST-HAVE for your existing Medicare Advantage clients? Click Here
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Categories: GoldenCare News, Guarantee Trust Life, and Medicare Supp./Adv..

“Elderly with no nearby family to help them need safety net, experts say,” by Nara Schoenberg, Chicago Tribune

“Almost 19 percent of women ages 40 to 44 are childless, as compared to about 10 percent in 1980, according to U.S. census data quoted in Carney’s presentation. And a third of Americans ages 45-63 are single, an increase of 50 percent since 1980.  That could leave more of us without ready access to family support as we age.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): Elder orphans are an important group to find and protect for LTC risk and cost. Elderly with no nearby family to help them need safety net, experts say #goldencareagent
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Categories: Industry News and Long-Term Care.

GoldenCare Newsletter | August 22, 2016

In this Newsletter Edition GoldenCare is pleased to bring you our new “Sales Tools” webinar series.   See demos on our Medicaid Spend-Down Calculator, Inflation Calculator and on StrateCision & CSG Actuarial.   Reserve your seats for these special events! From Mutual of Omaha LTC Tax Advantages for Business Owners – find out if your clients qualify!    Cancer, Heart Attack and Stroke is now available on the Mobile Quote App.      Georgia and Illinois agents, be sure to see a rate adjustment that affects you. Genworth Financial announces its Second Quarter results. We also have announcements from LifeSecure and United Security Assurance! Catch
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Categories: GoldenCare News, Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).

“An academic knowledge of elder care becomes a harsh, real lesson,” by Erin E. Arvedlund, Philly.com

“‘You can only get your parent 10 hours of in-home care a week under Medicaid. Then the gap in service becomes real. I had to fill in the gap myself,’ Olson said of her visits to Florida.  ‘While everyone is pushing for at-home care, there’s not enough coverage under Medicaid. In order to be eligible, you have to be nursing-home eligible,’ which means your elder relative’s assets have been depleted.  In 2013, she moved her mother, now 93, into Gracedale, a county-run and subsidized senior facility in Nazareth, Pa.  Finding a facility for her mother and ensuring that her benefits
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Categories: Industry News and Long-Term Care.

“Who Owns Long-Term Care Insurance?,” by Howard Gleckman, Forbes

“Overall, the share of older adults who own long-term care insurance (LTCi) has barely changed since 2002, according to new research by my Urban Institute colleague Rich Johnson. In 2002, about 10 percent of those 65 and older had coverage. By 2008 that share had ticked up to 12 percent, but in 2014, it dropped back to 11 percent. Among those aged 55-60, the share of policyholders slipped from 7 percent in 2002 and 2008 to just 5 percent in 2014.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): Interesting numbers, but this author and his
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Categories: Industry News and Long-Term Care.

“1.4 Million Americans Will Go Abroad for Medicare Care This Year, Should You?,” by Beth Braverman, The Fiscal Times

“Health care has become so expensive in the United States that a growing number of Americans (and their employers) are finding it more cost efficient to fly across the globe for certain medical procedures. The savings are so great — and the quality high enough — that a handful of American insurance companies are now encouraging the practice and covering the travel and treatment costs.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): So, what does medical tourism have to do with long-term care?  Believe it or not, some lawyers recommend shipping your infirm elder to
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Categories: Industry News and Long-Term Care.