“CDC: More than 20% of 85+ adults need ADL assistance,” by Lois A. Bowers, McKnight’s Senior Living “More than 20% (21.7%) of adults aged 85 or more years needed help with activities of daily living in the first half of the year, according to the latest data released Tuesday by the Center for Disease Control and Prevention’s National Center for Health Statistics. The finding means that adults in that age range are more than twice as likely as those aged 75 to 84 (8.5%) and more than six times as likely as adults aged 65 to 74 (3.4%) to need
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CareOptions: Your clients can stay in their own home
Whether for your client or one of their family members, the ability to live in one’s own home for as long, as confidently, and as comfortably as possible is important — this is termed “Aging in Place.” CareOptions provides the Aging in Place Technology Watch blog, an application that families can use to find tools to help them maintain their independence. The Aging in Place Technology Watch blog has been quoted in The Wall Street Journal, The NY Times, USA Today, MoneyWatch and US News & World Report. Invite your clients to check out the Aging in Place Technology Watch
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Gerber: Agent Hierarchy Change Guidelines
Hierarchy Change Guidelines In order to clarify the procedures and guidelines for requesting Hierarchy changes, Gerber Life has created the attached document: “Hierarchy Change Instructions and Guidelines.” We hope this helps manage expectations related to Hierarchy changes, and further aligns our partnership. Agent Hierarchy Change Guidelines #goldencareagent #gerber
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Securian: December 2017 Life Lines
December 2017 As we enter 2018, let’s take a look back We had a fast and furious beginning to 2017 with multiple new products and enhancements. In March, we broke into the long-term care (LTC)/linked-benefit space with our much-anticipated and highly competitive single-pay product, SecureCare. This combination Life/LTC product can give your clients flexibility for the future and protect the assets they’ve worked so hard to build. SecureCare offers three guarantees: If clients need long-term care, a tax-advantaged monthly benefit helps cover expenses associated with care.1 When clients die,2 their beneficiaries receive a death benefit – even if your client
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REMINDER: Paper compensation statements no longer mailed
Discontinuing paper compensation statements Paper compensation statements will no longer be mailed This month, you will begin receiving email notifications when a new statement is available. This email will contain a link to access your statement through our advisor website. Securian will no longer mail paper copies of your compensation statements for compensation earned beginning January 2, 2018. Get Started Today! Access online compensation through our advisor website. If you do not have access, go to https://advisor.securian.com/sites/avs/lbd and select Register. Questions? Call Securian’s Support Line at 1-877-494-1715. Advisors may opt to continue to receive paper copies of their statements
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Securian’s 2018 Individual Life Rates
Thank you for your continued support this year. As a commitment to stay competitive the majority of our rates will remain the same going into 2018. As a valued advisor, you are receiving advanced notice. Our 2018 rates will be reflected on the websites and in the illustration system beginning January 1, 2018. Dividend Interest Rates Guaranteed Minimum Rate December 2017 Rate January 2018 Rate Secure Accumulator Whole Life 4.00% 5.00% 5.00% Secure Protector Whole Life 4.00% 4.75% 4.75% SecureCare 4.00% 4.00% 4.00% CareShield 2.00% 3.75% 3.50% Interest Crediting Rates Guaranteed Minimum Rate December 2017 Rate January 2018 Rate Accumulator
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Celebrating Our Shared Success In 2017
Happy Holidays! As 2017 comes to an end, we reflect on the relationships that matter most. We are thankful for the relationship we have with you – our valued agents – and celebrate the success we’ve shared over the last 12 months. We wish you the best in the coming year, and look forward to our continued partnership! Read Full Good News Article #goldencareagent
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A New Report Uncovers the Financial Costs of Caregiving
MOST OF US KNOW SOMEONE who is a caregiver. Many of us (40 million, in fact) are caregivers, providing 37 billion hours of support to family members coping with the realities of aging and illness. Twenty million new caregivers joined their ranks last year, so chances are good that you, too, could become a caregiver (if you’re not already one). Those are just some of the eye-popping stats revealed in a new report, “The Journey of Caregiving,” produced by Merrill Lynch in partnership with Age Wave, a thought leader in the study of aging and its implications for society. While
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Update Mailing Address As Needed – New Medicare Cards
New Medicare cards are coming Medicare is mailing new Medicare cards between April 2018 and April 2019. The new card will have a new Medicare Number that’s unique to each individual, instead of using their Social Security Number. The new cards will be sent automatically by mail to the address on file with Social Security. If clients have moved recently, advise that they make sure their mailing address is up-to-date. To change or update an address, a person can: Visit their online my Social Security account Call Social Security at 1-800-772-1213. TTY users can call 1-800-325-0778. Contact their local Social
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Important Update: Renewals Added to Guaranteed Life
Coming Soon — Important Changes to the Guaranteed Life Insurance Plan GREAT NEWS, 4 YEARS OF RENEWALS ADDED! Gerber Life 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 January 1, 2018, Renewals in years 2-5: First year commission remains the same, renewals added years 2-5 Writing agent(s) receive 4 renewal points for
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