TLE Living Benefit Rider Guides

Need a little more explanation on how the No Cost Living Benefit Rider works on Non-ROP Term Life Express? We’ve got you covered. This rider has three triggers, Terminal Illness, Chronic Illness and Critical Illness and gives your clients an option to access a portion of their death benefit early to be used however they wish. The new brochure and frequently asked questions will walk you through the process and provide you information that your clients will want to know should they ever need to exercise this rider in the future. Brochure     |     Frequently Asked Questions
Read More

Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).

Good News | Securian Financial Is Refreshing Their Look & Building Their Brand

A Brand New Day At Securian Financial We value the role you play in helping clients achieve financial security — and that’s why we’re excited to announce that we’re refreshing our look and investing to build the visibility of our brand beginning in 2018. This significant investment reinforces our commitment to the markets we serve and will help our businesses to better align, unify our customer experience and enhance our brand recognition among consumers. Watch a short video to learn more. Questions? Call our Marketing Team at 800-842-7799! Click here to add Minnesota Life/Securian products to your appointment. If you have questions
Read More

Categories: GoldenCare News, Industry News, and Minnesota Life.

GoldenCare Newsletter | May 21, 2018

In this GoldenCare Newsletter Edition From GoldenCare: Our Office will be closed Monday, May 28th for Memorial Day. Less than TWO WEEKS left! Guarantee Trust Life Insurance Company’s recently-launched Home Health Care product complements the Critical Cash plan so well – it’s a close comparison!   Promo ends May 31st!  Get those apps in! Get all the details in this Edition.  Good Luck! The newest version of LTC CEO Office, Home and Internet Selling Tools Software is now available! Making a good decision on whether or not to own Long Term Care insurance depends upon receiving factual information on the subject. LTCCEO
Read More

Categories: Genworth, GoldenCare News, Industry News, Long-Term Care, Minnesota Life, Mutual of Omaha (& Affiliates), National Guardian Life, and Transamerica.

“How to Age Well and Stay in Your Home”

“How to Age Well and Stay in Your Home,” by Jane E. Brody, New York Times Quote: “I recommend a very helpful, comprehensive yet not overwhelming book, ‘Age in Place: A Guide to Modifying, Organizing, and Decluttering Mom and Dad’s Home,’ by Lynda G. Shrager, an occupational therapist for the last 37 years who has worked with seniors in their homes for more than 13 years. Ms. Shrager has good reasons to believe that addressing the challenges of independent living can help keep seniors safe and their kids sane.” LTC Comment (from Stephen A. Moses, Administrative Coordinator, Center for Long-Term
Read More

Categories: Clippings, Industry News, and Long-Term Care.

“Why the pharmaceutical industry is giving up the search for an Alzheimer’s cure”

“Why the pharmaceutical industry is giving up the search for an Alzheimer’s cure,” by Katherine Ellen Foley, Quartz Quote: “In the meantime, scientists say the best use of research funds is to keep digging into the promising field of lifestyle-intervention. Last year, the National Academies of Sciences published what it calls an ‘inconclusive but encouraging’ report on the merits of diet, exercise, and social interaction when it comes to Alzheimer’s prevention. For example, small studies in humans and mice have shown that exercise can reduce the risk for developing Alzheimer’s. Other longitudinal studies have suggested that social interaction can stave
Read More

Categories: Clippings, Industry News, and Long-Term Care.

“Survival for the Sandwich Generation: Navigating the hidden costs for working caregivers”

“Survival for the Sandwich Generation: Navigating the hidden costs for working caregivers,” by Jody Gastfriend, Salon Quote: “Well-heeled caregivers are fortunate enough to have financial resources to pay for care. Others will rely on state and federal funds to supplement their efforts. But almost all of us — rich or poor — are simply unprepared for the emotional and financial challenges of being a family caregiver.” LTC Comment (from Stephen A. Moses, Administrative Coordinator, Center for Long-Term Care Reform): Another sad story of people who failed to plan for long-term care despite decades of warnings in the media, not to mention LTCI producers’
Read More

Categories: Clippings, Industry News, and Long-Term Care.

“Improving Long-Term Care Insurance Rate Increase Communications”

“Improving Long-Term Care Insurance Rate Increase Communications,” by Claude Thau, ThinkAdvisor Quote: “Rate increases are traumatic for everyone involved and consumers may make unwise decisions, particularly if explanations inadvertently present options in an unbalanced fashion. Therefore, I believe that the LTCI industry would do well to improve premium rate increase communications and to make better educational resources available to financial advisors and clients when rate increases occur. Hopefully, this article will inspire improvements so that consumers are less likely to misunderstand. If readers have seen particularly good or weak wording and/or educational services, I’d be interested in those examples.” LTC
Read More

Categories: Clippings, Industry News, and Long-Term Care.

“The Hidden Costs Of Caregiving”

“The Hidden Costs Of Caregiving,” Securian Financial Quote: “Securian Financial recently conducted a survey of more than 800 people currently providing, or who have provided, unpaid care to a parent, in-law or spouse who is aging, or has a disability or chronic disease. The survey found the majority of caregivers (60 percent) spend more than 10 hours per week caring for a family member, and about one in four (29 percent) spend more than 20 hours per week. Women (32 percent) are more likely than men (26 percent) to spend more than 20 hours each week on caregiver duties.” LTC Comment
Read More

Categories: Clippings, Industry News, and Long-Term Care.

“National summit leads to 700 dementia recommendations”

“National summit leads to 700 dementia recommendations,” by Kimberly Marselas, McKnight’s LTC News Quote: “Participants in a national research summit have recommended nearly 700 new strategies for understanding dementia, working toward a cure and supporting people who have it. … The findings, updated online Wednesday, summarize last year’s National Research Summit on Care, Services, and Supports for Persons with Dementia and their Caregivers held at the National Institutes of Health. … Specific ideas to accelerate the development, evaluation, translation, implementation, and scaling up of comprehensive care and supports were broken out into 12 themes ranging from disease stages to settings
Read More

Categories: Clippings, Industry News, and Long-Term Care.

“How to Protect Yourself and Your Family From Long-Term Care Insurance Scams”

“How to Protect Yourself and Your Family From Long-Term Care Insurance Scams,” by Brian O’Connell, The Street Quote: “Long-term care insurance consumers — usually upper-middle age and older Americans — face enough hurdles in finding the best policies. Complicated contracts, high fees and charges, and booming premiums await any long-term care insurance buyer. On top of that lurks another, more sinister issue for buyers, and it’s one of the worst forms of elder fraud — long-term care insurance fraud. It’s a big problem, given the skyrocketing costs of long-term care services these days, and the burgeoning need for long-term care
Read More

Categories: Clippings, Industry News, and Long-Term Care.