No doubt you have clients and prospects who need life insurance protection. Many people interested in life insurance also want the potential to grow-tax-deferred cash values they can access later for things like retirement, college tuition or emergencies. Our Income Advantage Indexed Universal Life Insurance is an attractive solution to cover those needs. It’s a great product for clients who want: Strong potential for cash value growth from our three indexed crediting strategies Permanent death benefit protection Low policy costs Flexibility for the future with our no-cost Guaranteed Refund Option, Accelerated Death Benefit and Lapse Guard riders Income-tax-free loans and
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Speed Up Underwriting on Term Life Answers
Accelerated Underwriting for Term Life Answers® provides you and your clients with a fully underwritten decision in 48-72 hours. Best of all, there is NO paramed exam. Here are the basic program parameters for our Accelerated Underwriting program for TLA. Below you will see how the interview has changed and where the extra confirmation has been removed. Products: Term Life Answers (10-, 15-, 20-, 30- year) Risk Class: Standard, Standard Plus, Preferred, Preferred Plus Applications: Speed eTicket (Drop Ticket) Issue Ages: 18-55 Face Amounts: $100,000 – $1,000,000 For more information, this flyer outlines the process and program details. New to
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Apptical Interview Update (Living Promise)
We are happy to announce we have removed a step in the Apptical point-of-sale interview. Effective immediately, we no longer confirm your customer’s information twice at the beginning of the interview. Below you will see how the interview has changed and where the extra confirmation has been removed. Old Process The Apptical representative asks the agent for the customer information, confirms the information with the agent, then the agent hands the phone over to the customer When the customer gets on the phone, the Apptical representative reconfirms the information with the customer New Process The Apptical representative asks the agent
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Updated Marketing Materials & Forms
Agent Guide — updated Employer/Association Group Guideline section to include Employer Group rate class (where available) and minimum participation requirements Application for Approval of Association Group — updated to include a brief marketing plan section that is now required when requesting group approval Product Features & Sales Ideas — learn about the highlights of the EssentialLTC product with corresponding sales ideas Product Summary — updated comprehensive EssentialLTC reference sheet Underwriting Prequalification Form — updated prequalification questions NGL Financials — NGL’s assets have grown to nearly $4.5 billion; you’ll see these updates in printed materials and on the web Keep
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Gerber Life’s new Field Underwriting Guide helps you streamline the sales process
SAME TIME AND BE MORE PRODUCTIVE WITH GERBER LIFE’S FIELD UNDERWRITING GUIDE As part of Gerber Life’s continued commitment to providing agents with the tools and resources they need to save time and be more productive, we have recently introduced our new Field Underwriting Guide for our Simplified Senior Life and Whole Life Insurance policies. This Guide provides general underwriting guidelines and important tips and information to help you evaluate your clients’ potential to be approved for a Gerber Life Simplified Senior Life or Whole Life policy. Topics include Prescreening Questions, Ineligible Medical Conditions for Coverage, Ineligible Drugs for
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Writing HIP business in Florida? Fillable postcard now available!
GTL gives you the tools you need to sell in Florida! Download GTL’s NEW Indemnity Plus postcard, type in your and your client’s information, print if off, and you now have another way of easily reaching out to your clients! DOWNLOAD FILLABLE POSTCARD It doesn’t get much easier… just type, print and mail! Writing HIP business in Florida? Fillable postcard now available! #goldencareagent #gtl #hip
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Running An Effective Marketing Campaign
Running an effective campaign If you’re looking for resources to enhance your marketing strategy and take your business to the next level, we can help. OneAmerica® marketing campaigns can provide the tools you need to connect with customers on a variety of topics related to your business. Access campaign resources Visit our Marketing Toolbox to view short videos on producer and consumer campaigns, access our latest core marketing materials and review descriptions of available campaigns. If you’re ready to learn more about OneAmerica marketing campaigns, check out our detailed campaign brochure. Visit AssetBasedLTC.com and get started on a
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Introducing online premium increase coverage changes for policyholders
In-Force Rate Action Announcement 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. We know that facing a new premium increase can be difficult for policyholders, so we continue to look for ways to help customers make decisions that are right for them and improve the process of implementing those decisions. In 2016, we launched a website for you and your customers to help explain why premium increases are needed, options policyholders generally have and
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Genworth, Industry News, and Long-Term Care.
Good News | GTL Launches New Windows 10 Mobile e-App
Quote Offline With GTL’s New Windows 10 App Guarantee Trust Life is making it easier than ever to quote their products and submit business, with the launch of their Windows 10 mobile e-App! An internet connection is no longer needed to run & save quotes. Plus, functionality has been added allowing users to submit electronic applications! Click for important notes and download instructions Read Full Good News Article Questions? Call the GoldenCare Marketing Team at 800-842-7799! Don’t forget to subscribe to our News Digest for all the latest announcements from the Top Carriers! Check out GoldenCare News
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“Washington Becomes First State to Approve Publicly Funded Long-Term Care”
“Washington Becomes First State to Approve Publicly Funded Long-Term Care,” by Rachel M. Cohen, The Intercept “The ultimate goal, advocates say, is some kind of universal family care, a comprehensive social infrastructure to support all the varied costs of care work from birth to death. ‘That’s our North Star,’ said Sarita Gupta, co-director of Caring Across Generations, a national campaign that launched in 2011. ‘We have really been trying to help people go from seeing care work as an individual burden to a shared responsibility that we’re all going to face.’” LTC Comment (from Stephen A. Moses, President, Center for
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Clippings, Industry News, and Long-Term Care.
