GTL’s Advantage Plus Hospital Indemnity Insurance upgrade is now available in South Carolina! Available on paper only — e-App coming soon! New Base Plan Options Up to $750 per day hospitalization benefit. New 1-day, 3-day and 6-day benefit periods – benefit between $250 and $2,500. Ambulance Rider Upgrade Choice from $50 – $400 daily usage benefit, up to 4 times per year, lifetime max of 12 trips, air ambulance coverage included, and no hospital confinement required. Skilled Nursing Rider $100, $150, $200 per day for day 1-50. Lump Sum Cancer Rider Update Addition of the $6,700 coverage choice amount. New
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Online Prequalification Now Available
In addition to calling, emailing, or faxing us your prequalifications, you can now prequalify a client by logging into the Agent Resource Center at ngl-essentialltc.com, clicking the “Underwriting Prequalification” icon, and submitting the online form. Once submitted, our underwriters will email you a response as soon as possible. Learn more about underwriting in our recently recorded webinar: Field & Home Office Underwriting If you have questions, please call NGL at (888) 505-2332 or email status@ngl-essentialLTC.com. #goldencareagent #ngl
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EssentialLTC Partnership Policy Available In Illinois
Change effective May 31, 2019 National Guardian Life Insurance Company (NGL) is pleased to announce that effective May 31, 2019, the EssentialLTC policy will now be available as a partnership policy in the state of Illinois. Applications submitted in Illinois that are dated May 31, 2019 and after require the following additional application forms: Form Name Form # Action Acknowledgement Regarding Partnership Policy Qualification NLTCPRT-ACK Submitted with application The new application forms will be available via the Agent Resource Center on May 31, 2019. Determination of Partnership Eligibility EssentialLTC policies issued in Illinois will automatically be issued as
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Save Your Clients Money with Fit Credits
Our Fit Underwriting Credit Program can help your clients qualify for up to an additional two table credits from their base rating on both term and permanent products. When your clients get a better rating, they get additional cost savings. What makes the Fit Program unique? It is NOT a table shave program Clients as young as 18 years old can qualify It applies to both permanent AND term policies Take a look at the Fit Guide and be sure to complete the Fit Test with your clients to ensure they receive the best underwriting rating. If you have questions,
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Plant the Seed Early for Long-Term Care Insurance
Your clients lead busy lives and they may put off making important decisions. Plant the seed early with these clients to help plan for possible future health needs. Buying a long-term care insurance policy may be far down the list of their priorities, so let them know the benefits of getting coverage early. Advantages to buying LTCi early Insurability — clients will be more likely to be approved for coverage Affordability — rates are based on your client’s age at time of purchase Peace of Mind — clients can rest easy, they are protected for any future care they may
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Medicare News – Omaha Family of Companies
Medicare Supplement: Upcoming Med Supp Rate Adjustments Please view the upcoming rate adjustments in MN and WV. Dental Marketing Credits- Summer Program During the months of June, July, August and September earn marketing credits for your first three dental applications each month. #goldencareagent #mutualofomaha
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Protection that fills the coverage gap
Help your clients cover out-of-pocket medical expenses with a Critical Advantage policy. Some health care insurance issued through employers may not cover all the costs associated of a critical illness. Or, your clients with high deductible plans may need help with out-of-pocket expenses. The lump sum benefit in the Critical Advantage policy can be used to fill gaps in your client’s current coverage. Download this sales tip here to help increase your Critical Advantage sales. Protection that fills the coverage gap #goldencareagent #mutualofomaha
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Choosing a campaign: Educational vs Product
Choosing a campaign: Educational vs Product Educational When you’re looking to help clients consider needs they may encounter while planning for the future, we recommend running an educational campaign. Available themes include long-term care awareness, marketing LTC to women, and more. Product Product campaigns are the best choice when you want to inform clients about OneAmerica® Care Solutions products. These campaigns give a more detailed look into how our solutions can help your clients protect their future. Access campaign resources Visit our Marketing Toolbox to view short videos on producer and consumer campaigns, access our latest core marketing materials
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In-Force Rate Action Announcement: Iowa (Pre-PCS, PCS I, PCS II, Choice 1)
> PCS II with Stable Premium Option > Choice 1 with Stable Premium Option As part of the strategy for our long-term care insurance business, we continue pursuing initiatives to improve the risk and profitability profile of our business, including premium increases on our in-force policies, as needed. Iowa has now allowed the following increases: Iowa Product Series Increase Percentage for Policies with Limited Benefit Periods Increase Percentage for Policies with Lifetime Benefit Periods Pre-PCS 39% phased 17.9%, 17.9% cumulative 39% phased 17.9%, 17.9% cumulative PCS I 39% phased 17.9%, 17.9% cumulative 39% phased 17.9%, 17.9% cumulative PCS II 39%
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Genworth, Industry News, and Long-Term Care.
In-Force Rate Action Announcement: Rhode Island (Privileged Choice® and Classic Select®)
As part of the strategy for our long-term care insurance business, we continue pursuing initiatives to improve the risk and profitability profile of our business, including premium increases on our in-force policies, as needed. Rhode Island has now allowed the following increases: Rhode Island Product Series Increase Percentage Privileged Choice 50.1% phased 25%, 20.1%% cumulative Classic Select 50.1% phased 25%, 20.1% cumulative This rate increase applies to both AARP® and Non-AARP policies. Communications Timeline Servicing agents will receive a list of their impacted policyholders in this state one week prior to the start of policyholder notifications. Policyholder notifications will
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Genworth, Industry News, and Long-Term Care.
