At Ameritas, fulfilling life is what we do daily. We strive to continuously build relationships by offering solutions your clients can rely on. As a loyal partner to Ameritas, we feel you will be rewarded by your clients’ referrals and here’s why: At Ameritas, we always put customers first. We believe we offer more value in our products than anyone else. Between network choice, 100% coverage on preventive services, coverage starting day-one for most services* and an easy to use online enrollment tool – it all adds up to what we call “The Best Economic Value.” Though we are proud
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Try the LTC e-App on your next sale
Advisors who have used the LTC e-App agree it’s the best way to submit LTC applications. In fact, it’s one of the easiest in the industry. Some other advantages to the e-App are: It’s mistake proof, you always have the right forms that need to be submitted You can view and/or print state filed forms at any time Reduces application scrubbing time You choose the method of signature collection — e-signature email, e-signature face-to-face or wet signature Provides a paperless “green” experience Try the e-App on your next sale and you may never go back to paper. To learn more
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New Senior Assessment Underwriting Requirement
Effective April 1, 2018, a Senior Assessment will be required in certain age/face parameters on fully underwritten life products. It will be completed at the time of the paramedical examination. This testing will assess a client’s cognitive ability, memory functions, mobility testing and ability to perform Activities of Daily Living. What you need to know: Ages: 66 and over Face Amounts: $500,000 and over Products: All fully underwritten life products (IUL, GUL, AccumUL, TLA) This change impacts all applications signed on or after April 1, 2018. If you have any questions, please contact your Mutual of Omaha Account Executive or
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Good News | Get Competitive Rates + Discounts On Your Errors & Omissions
Pricing for GoldenCare’s Discounted E & O Now Available Plus, earn yourself a better discount on next year’s enrollment! Here’s how: Enroll in GoldenCare’s 2018/2019 Errors & Omissions Program Submit any of the following: (written & issued between 4/1/2018 and 4/1/2019), • 3 Mutual of Omaha LTCi Applications • 3 CareShield Applications with Minnesota Life • 3 GTL Critical Cash/Critical Care Applications, or • 5 Omaha Medicare Supplement Applications and Receive a Renewal Discount on Next Year’s (2019/2020) Enrollment! For more information, call 800-842-7799 and speak with your Regional Director. Read Full Good News Article Click Here to add carriers/products to your appointments. If you
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“How to figure out elder care for your aging parent”
“How to figure out elder care for your aging parent,” by Tamara E. Holmes, USA Today Quote: “‘Knowing that we couldn’t do anything for my dad, I was like, ‘let’s do something for mom,’ Mancuso says. So he and his wife Erica purchased a long-term care policy for his mother. ‘I’d rather spend money on a monthly premium today,’ Mancuso says. ‘Maybe she’ll never need it, but I know what I’m spending monthly today is probably what a day or two of help would be down the road.’” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform):
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“Shift in Long-Term Care Planning Shapes ILTCI Meeting”
“Shift in Long-Term Care Planning Shapes ILTCI Meeting,” by Allison Bell, ThinkAdvisor Quote: “Issuers of stand-alone long-term care insurance (LTCI) continue to support the Intercompany Long-Term Care Insurance Conference, but long-term care hybrids and alternatives seem to have the momentum. ILTCI organizers today completed their 18th annual conference in Las Vegas. The list of sponsors at the three-day event included many of the insurers still in the stand-alone LTCI market.” LTC Comment (from Damon V. Moses, Administrative Coordinator Center for Long-Term Care Reform): It was another excellent ILTCI event. If you missed the conference, click the article link for session
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“HSA use increasing among those under 65”
“HSA use increasing among those under 65,” by Allison Bell, ThinkAdvisor Quote: “U.S. residents’ use of public and private health coverage stayed about the same between 2016 and the first three quarters of 2017, but use of health savings accounts (HSAs) may have climbed 15 percent. The number of U.S. residents under the age of 65 who had HSAs increased to 17.9 million in 2017, from 15.5 million in 2016, according to new National Health Interview Survey (NHIS) data.” LTC Comment (from Stephen A. Moses, President Center for Long-Term Care Reform): Many will use the HSAs to fund the next generation of LTCI after Medicaid stops subsidizing
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“Alzheimer’s Death Rate Continues to Rise: CDC”
“Alzheimer’s Death Rate Continues to Rise: CDC,” by Allison Bell, ThinkAdvisor Quote: “The official age-adjusted U.S. death rate from Alzheimer’s disease continues to creep up. The Alzheimer’s death rate for the 12-month period ending in the third quarter of 2017 increased to 30.9 per 100,000 people, up from 29.9 per 100,000 people for the comparable period in 2016. Analysts at the National Center for Health Statistics, an arm of the U.S. Centers for Disease Control Prevention (CDC), have reported those figures in a selection of mortality data for the third quarter.” LTC Comment (from Stephen A. Moses, President Center for
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“Key Points for Long-Term Care Insurance Purchases”
“Key Points for Long-Term Care Insurance Purchases,” FedWeek Quote: “Benefit period. Pay for a policy that will provide at least three years of coverage. You also should have a plan to transfer assets and eventually qualify for Medicaid after a three-year waiting period.” LTC Comment (from Stephen A. Moses, President Center for Long-Term Care Reform): The transfer of assets look back period for Medicaid has been five years for over 12 years. In any case, very bad advice. Key Points for Long-Term Care Insurance Purchases #long-term #goldencareagent
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“Spotting Alzheimer’s Early Could Save America $7.9 Trillion”
“Spotting Alzheimer’s Early Could Save America $7.9 Trillion,” by Ivan Levingston, Bloomberg Quote: “Spending on care for people alive in the U.S. right now who will develop the affliction is projected to cost $47 trillion over the course of their lives, a report issued Tuesday by the Alzheimer’s Association found. The U.S. is projected to spend $277 billion on Alzheimer’s or other dementia care in 2018 alone, with an aging cohort of baby boomers pushing that number to $1.1 trillion by 2050. … However, significant cost savings can be achieved, according to the new report, by the simple act of early diagnosis. Currently,
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