“Confronting Retirement in a Low-Yield World”

“Confronting Retirement in a Low-Yield World,” by Christine Benz, Morningstar.com “One key risk factor for Stephen and Diane’s plan–as is the case with so many retirees today–is that they don’t have long-term care insurance. Unfortunately, purchasing insurance at their age can be extremely expensive; depending on their health, it may be unavailable. I’d recommend that they think through an action plan on this front–either carving out a long-term care fund and segregating it from the rest of their portfolio or investigating some type of long-term care coverage such as a hybrid annuity/long-term care policy. This article discusses the pros and
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Categories: Industry News and Long-Term Care.

“Medicaid is out of control and unsustainable. Work requirements could help”

“Medicaid is out of control and unsustainable. Work requirements could help,” by Nicholas Horton, National Review “The Medicaid program is at its breaking point. Even before Obamacare lured some states into expanding the program to non-disabled, working-age adults, Medicaid was growing at an alarming rate. Now, in the Obamacare era, the program is growing even faster, siphoning more and more resources away from folks who truly depend on Medicaid for survival. A new report, released this week by the Foundation for Government Accountability, gives a glimpse of just how serious the problem is.” LTC Comment (from Stephen A. Moses, President,
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Categories: Industry News and Long-Term Care.

Good News | LTCi Plan Pricing And Comparisons At Your Fingertips

  Another Way We Support Your LTCi Sales Success! Another Way We Support Your LTCi Sales Success! In the midst of LTC Awareness Month, don’t forget about valuable tools that can help you work smarter (not harder). Enjoy complementary access to the StrateCision LTC Comparison Tool, a resource which allows you to quote and compare plans with all of the major LTCi carriers. Access it now by clicking on the image below. Or find it within the “Products” dropdown menu on www.goldencareagent.com. Read Full Good News Article #goldencareagent #ltci #long-term care
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Categories: GoldenCare News, Industry News, and Long-Term Care.

GTL’s Thanksgiving Holiday Hours

We hope your holiday is abundant with great food and joyful times with your family and friends.   GTL will be closed on Thursday, November 23 and Friday, November 24 We will resume normal business hours starting at 7:00AM CST Monday, November 27 Voice Verification Hours Thursday, November 23 SVC will be closed Friday, November 24 SVC will be open normal business hours (8AM – 9PM CST)   GTL’s Thanksgiving Holiday Hours   #goldencareagent #gtl #thanksgiving
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Categories: Guarantee Trust Life, Hospital Indemnity Plan, and Industry News.

Sentinel Holiday Office Hours

Holiday Office Hours The holidays are nearly upon us, and we are looking forward to delicious food, good fun, and time off with our families! In an effort to serve you best, we would like to announce our upcoming holiday office closures. Thursday, November 23 – Friday, November 24, 2017 – Our offices will be closed all day. We will resume normal business hours on Monday, November 27, 2017. Friday, December 22, 2017 – Our offices will close at Noon (12:00 PM, MST). Monday, December 25, 2017 – Our offices will be closed all day. We will resume normal business
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Categories: Industry News, Life Insurance, Medicare Supp./Adv., and Sentinel Security Life.

Holiday Office Hours – Thanksgiving 2017

  Dear Valued Producer, It is at this time of the year that we pause to count our blessings. We are deeply thankful for the freedom of this great country in which we live, our opportunities for success, and the relationship we have with our producers. In appreciation of our hard-working staff, we are closing our Pennsylvania and Maryland offices on the following days:     • Thanksgiving Day, November 23     • Friday, November 24 Our warmest wishes to you and your family. Happy Thanksgiving … Your Friends at United Security Assurance         #goldencareagent #usa #unitedsecurity #thanksgiving
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Categories: Industry News, Long-Term Care, and United Security.

Gerber Life Product Announcement: Important Changes Coming Soon

November 2017 Coming Soon — Important Changes to the Guaranteed Life Insurance Plan Gerber Life’s Guaranteed Life Insurance provides peace of mind by planning ahead to ease the burden of final expenses. This whole life insurance policy provides up to $25,000* to help pay medical bills, leftover debts and funeral costs. Regardless of your health, you can’t be turned down and the premiums are guaranteed to never increase.   Product Changes Effective December 7, 2017 Include: Updated marketing material New premiums Transition Rules: The Gerber Life Agent Portal will only have the new rates and updated application version (1117) as
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Categories: Gerber Life, Industry News, and Life Insurance.

GoldenCare Newsletter | November 20, 2017

In this GoldenCare Newsletter Edition From GoldenCare: Our office will be closed Thursday, November 23rd and Friday, November 24th for the Thanksgiving Holiday. We have two Guest Articles in this edition is  “LTC Product Sales Rise 12%: LIMRA,” by Allison Bell, ThinkAdvisor and ““Q&A Column,” Orlando Sentinel. Enjoy! Compliance: Holiday Solicitation Bans for the Month of November. Maryland Partnership – New Disclosure Requirement Maryland Update- LTC Partnership Disclosure Industry Updates: From Mutual of Omaha: Omaha’s Dental Insurance Now Available on the Mobile Quote App! Dental Insurance now in 29 States Broker Bonus Program Reminder (Legacy) Rate adjustments effective February 1, 2018 – CT,
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Categories: GoldenCare News, Guarantee Trust Life, Industry News, Long-Term Care, Minnesota Life, Mutual of Omaha (& Affiliates), National Guardian Life, and Transamerica.

Transamerica: Holiday Closure & Early Closing, Nov. 23-24

The Transamerica Long Term Care administrative office in Plano, TX will be closed Thursday, Nov. 23, and will close at 2 p.m. on Friday, Nov. 24, 2017, in honor of the Thanksgiving holiday. Please allow additional time if necessary to order and receive materials during that time. Much of the important materials and resources you may need will be continue to be available on our Agent Resource Center. Holiday Closure and Early Closing, Nov. 23-24 #goldencareagent #transamerica
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Categories: Industry News and Transamerica.

Holiday Telephone Solicitation Bans for the Month of December 2017

Please be aware of the following holidays requiring a holiday telephone solicitation ban for the month of December. On Monday, December 25, 2017: Alabama, Louisiana, Mississippi, Rhode Island and Utah prohibit unsolicited marketing calls to residents in observance of Christmas On Tuesday, December 26, 2017: Louisiana prohibits unsolicited marketing calls to residents in observance of a Governor declared holiday Holiday Telephone Solicitation Bans for the Month of December 2017 #goldencareagent #mutualofomaha
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Categories: Industry News and Mutual of Omaha (& Affiliates).