In this GoldenCare Newsletter Edition From GoldenCare: Join us for a very special event generate TODAY! Generate prospects with this complimentary Award Winning Health and Wellness Hub. Register Now See our full list of hot training topics and register for an event today! We have two Guest Articles in this edition is “Why LTC Needs to Be Included in a Retirement Plan: Part 1,” by Sandra Timmerman, ThinkAdvisor and “IRS Issues Long-Term Care Premium Deductibility Limits for 2018,” ElderLawAnswers. Enjoy! Industry Updates: We have many Industry announcements in this edition: From Mutual of Omaha: See the Newsletter for a Quick Tip on Quoting
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New EssentialLTC Consumer Website
The EssentialLTC Consumer Website Launches 11/6! To better support your business and clients, we’ve created a new EssentialLTC consumer website! Effective 11/6, when visiting www.ngl-essentialLTC.com your clients can access a high-level overview on long term care and the EssentialLTC plan features. If you’re not yet familiar with National Guardian Life Insurance Company (NGL) and EssentialLTC, we invite you to visit the Agent Resource Center and register for an upcoming webinar on 11/8 to learn how you can grow your LTCi business. For those that are already busy selling EssentialLTC, but haven’t visited the Agent Resource Center lately — please take
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Mutual of Omaha: Dental Insurance Product Release
Effective November 11, 2017, you may begin selling our Mutual Dental PreferredSM and Mutual Dental ProtectionSM insurance policies with an optional vision care rider underwritten by Mutual of Omaha Insurance Company in the following 6 states: Arkansas Arizona Georgia Minnesota New Jersey Tennessee While this product is positioned for individuals who are Medicare eligible, the issue age is 19 – 99 for these policies. Dental e-App available November 11, 2017 For ease and convenience use the Dental e-App located on Sales Professional Access (SPA) www.mutualofomaha.com/broker under Sales Tools – Electronic Applications. Navigating the Dental e-App You have two options for
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Medicare Supplement News – Omaha Family of Companies
Upcoming Rate Adjustments Learn more about the upcoming rate adjustments in LA and MO, by reading the field communication. • 2010 Modernized In-force Only Rate Adjustment – LA • 1990 Standardized Rate Adjustment – MO & LA Med Supp Premium Savers Your clients will appreciate your ability to keep money in their pockets with our premium saving features on our Medicare supplement plans: 12% and 7% Household Discounts Your clients can save premium dollars when they are eligible for our household discount. Click for more details or see the Med supp application for state specific eligibility. High Deductible Plan F A
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NGL: New Underwriting Prequalification Form Available
To better assist agents with prequalifying the health history of potential applicants, National Guardian Life Insurance Company (NGL) has introduced a new Underwriting Prequalification form! NOTE: Due to HIPAA privacy requirements, please do not include any information that may identify the potential applicant such as individual’s name or social security number. Remember that any opinion provided by an NGL underwriter regarding insurability and/or a rate class recommendation during the pre-qualification process is not binding on the Company. Final underwriting decisions are only reached based on a applicant being fully underwritten. If you have questions , please call NGL at (888)
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EssentialLTC New Partnership State Release – Florida
National Guardian Life Insurance Company (NGL) is pleased to announce that an additional state has approved their new long-term care insurance plan, EssentialLTC! As of November 6, 2017, EssentialLTC will become available for sales in the state of Florida! This is also the newest state to have approved Partnership status. Upcoming State Releases: • California, New Jersey, Hawaii — End of 2017 / Early 2018 • Partnership Compact States — End of 2017 If you have questions , please call NGL at (888) 505-2332 or email status@ngl-essentialLTC.com. #goldencareagent #ngl > Related: EssentialLTC News: Upcoming State Releases
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Transamerica: New Business Phone Lines Closed Noon – Close 11/6
Both the Final Expense and Medical Supplement New Business phones lines will be closed on 11/6/17 from noon to close CST. We have an all-employee team meeting, then will be focusing our staff on processing and placing policies for the remainder of the day. If you have an immediate need, please email us at FinalExpenseNewBus@Transamerica.com or MedSupNewBus@Transamerica.com. #goldencareagent #transamerica
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Have You Seen This Referral Tool?!
Your clients would love it, and it’s FREE for you to use and offer! Join us Tues, Nov. 7th at 2:00 PM Central for a live demonstration! Click here to reserve your seat! Read Full Invitation #goldencareagent #referral
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“Living Well, Even With Alzheimer’s”
“Living Well, Even With Alzheimer’s,” by Gayatri Devi, Wall Street Journal “Many people have the idea that Alzheimer’s is a one-way street to inexorable decline. They believe that treatment is ineffective, which often discourages them from seeking a diagnosis when facing memory loss. But the reality of the disease is very different. Having worked as a neurologist for over 20 years, I see Alzheimer’s not as a single disease but as a spectrum disorder—with a wide range of symptoms, responses to treatment and prognoses. Early diagnosis and treatment has kept many of my patients stable.” LTC Comment (from Stephen A.
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DOL Form Revised, Immediate Use Required
DOL Form Revised, Immediate Use Required NGL has simplified the required Department of Labor (DOL) Source of Funds Disclosure and Acknowledgement form (4100-PTE 84-24 10/17). Use of the form is required immediately. The newly revised form: Has been scaled back to align with industry standards; Is still required to be completed with your client when tax-qualified funds are used to purchase a life insurance policy or annuity; Still should NOT be submitted with new business paperwork. It is to stay with your records for six years; and, Is required to be used immediately. This newly revised form (4100-PTE 84-24 10/17)
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