Higher Issue Ages Guaranty 6 issued through age 90! 3.40% Guaranteed for 6 Years Full Accumulation Value Death Benefit Interest Monthly After 30 Days IRA/RMD Friendly Guaranty 4 and Guaranty 6 annuities offer interest rates which are among the highest MYGA rates currently being offered! They offer safety, stability and triple compounding; and the extended issue ages and great rates make these an easy sale for many clients! AnnuiCare® 6 issued through age 85! 3.40% Guaranteed for 6 Years Full Accumulation Value Death Benefit Effective April 1, 2018, clients over age 79 have an additional AnnuiCare® option. AnnuiCare® 6
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“Why you shouldn’t bother with memory or brain health supplements”
“Why you shouldn’t bother with memory or brain health supplements,” by Consumer Reports in The Washington Post Quote: “The signs of memory loss can be bewildering and scary: misplaced keys, a forgotten street name, that task you suddenly can’t remember. It’s no wonder that, according to the Nutrition Business Journal, sales of supplements touted as memory boosters nearly doubled between 2006 and 2015. But according to a review of studies published in December, there’s virtually no good evidence that such products can prevent or delay memory lapses, mild cognitive impairment or dementia in older adults. In fact, says Pieter
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Clippings, Industry News, and Long-Term Care.
“DNA and Long-Term-Care Insurance”
“DNA and Long-Term-Care Insurance,” by Ben Mattlin, Financial Advisor Quote: “With the easy availability of personal genetic information through companies such as 23andMe, more and more people are discovering not just their ancestral histories but their own exact DNA makeup, including their likelihood of contracting certain illnesses. While that may be good news for consumers, the implications for insurance carriers are not so clear. Foreknowledge of future health issues can be a double-edged sword, particularly in the long-term-care (LTC) insurance business.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): Long article on a very difficult problem.
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The Best of Wealth + Health at Your Fingertips
At Transamerica, our commitment to service doesn’t end with just one conversation. We’re dedicated to bringing you the tools and resources to help your clients live better today and worry less about tomorrow. In this final edition of Changing the Conversation you’ll find: A link to the Wealth + Health sales toolkit website Our financial professional-facing website, New Age of Advice, for continued business-building A must-read article about remembering to take care of yourself along with your clients As you engage with clients, remember that wealth + health comes down to balance. After all, what good is one without the
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Accelerated Underwriting for TLA is Here!
Our brand new Accelerated Underwriting program uses data that can quickly be obtained to eliminate lab testing and exams for Standard, Standard Plus, Preferred and Preferred Plus applicants who qualify based on age, personal history, and face amount requirements. The Process is Easy: Submit a Speed eTicket (Drop Ticket) for Term Life Answers® ExamOne completes a phone interview with your client and obtains a voice signature or eSignature Once we have the full application in-house, we take care of the rest Basic Qualification Requirements: Products Available: Term Life Answers® (10, 15, 20 and 30 year) Application: Speed eTicket (Drop Ticket)
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Now Available: New Underwriting Guide
A new April 2018 version of the United of Omaha Life Underwriting Guidelines booklet is now available. The April 2018 version has been updated with the new Senior Assessment underwriting requirement that was announced recently. As a reminder, the new Senior Assessment requirement, which will assess a client’s cognitive ability, memory functions, mobility testing and ability to perform Activities of Daily Living, is required beginning April 1, 2018 for: Ages: 66 and over Face Amounts: $500,000 and over Products: All fully underwritten life products (IUL, GUL, AccumUL, TLA) The new underwriting guide can be ordered through your normal ordering channels,
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Anti-Money Laundering (AML) Refresher Training
As REQUIRED by federal regulation, all producers writing permanent life or annuity products are required to complete Anti-Money Laundering (AML) training on an on-going basis. All producers who completed a LIMRA Anti-Money Laundering training course prior to January 1, 2018 are required to complete the 2018 AML renewal training “The Importance of Knowing Your Customer – AML for Insurance Review”. Mutual of Omaha has contracted with LIMRA to provide anti-money laundering training at no cost to you. The renewal course will automatically be assigned through LIMRA and will take approximately 30 minutes to complete. Training must be completed by June
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Medicare Supplement News – Omaha Family of Companies
Upcoming Rate Adjustments View upcoming rate adjustments in ID, GA, ID, LA, MD, MO, MS, ND, OK, OH, OR, SD TN, TX, UT, WV, and WY: • 2010 Modernized Rate Adjustment – ID, LA, and MD • 2010 Modernized In Force Only – OH, OR, SD, TN, TX and UT • 1990 Standardized Rate Adjustment – GA, ID, LA, MD, ND, OK, OH, TN, TX, WV, and WY • Plan N Rate Adjustment – MO, and MS #goldencareagent #mutualofomaha
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LTCi Claims Material Update
The claims paying ability at Mutual of Omaha reflects our strong financial position. It means we can keep our promises to your clients for many years to come. The consumer claims piece has been updated to show the most current claims information available. Showing your clients our strong claims paying history may help feel more confident in their decision to buy long-term care insurance. Click here to see the most updated version of the flyer. It is available through all normal ordering channels (not available in FL). If you have any questions, please contact Mutual of Omaha’s Sales Support
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Why should you sell Critical Advantage insurance?
Why should you sell the products in the Critical Advantage Portfolio to your clients? The numbers tell the story. Nearly 1.7 million new cases of cancer were diagnosed in 2016 27.6 million Americans have been diagnosed with heart disease Every 40 seconds someone in the U.S. has a stroke Nearly 5 million Americans have Alzheimer’s disease The products in the Critical Advantage Portfolio pay a lump-sum benefit upon diagnosis for all of these conditions and the money is sent directly to your client, not the health care provider. To learn more about the products in the Critical Advantage Portfolio, click
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