Attention All Agents GTL’s Advertising Guidelines Did you create any advertising or marketing material(s) for a Guarantee Trust Life Insurance Company product(s)? If so, please click the button below to review the advertising and marketing guidelines that we have established to guide you through this process. If you have any current Life and Health Insurance advertising that has not been approved by our Product Approval and Compliance Department in the past, you are responsible for submitting this to Guarantee Trust Life for approval. Please send this as soon as possible to the attention of our Life and Health Sales
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Important Heritage Plan Graded Benefit Update
Effective December 29, GTL’s Heritage Plan Life Insurance product will only be available for ages 50-90. You will receive a notification on your GTL e-App when it is available. This change will apply for all Heritage Plan applications dated 12/29/21 or later. if you have any questions, please contact GTL’s Sales Support by texting or calling 800-323-6907 or by emailing agency@gtlic.com #goldencareagent #gtl
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Great news for your existing Advantage Plus clients!
For Your Advantage Plus Clients in CT, IL, MI, MN, MS, OH, TN & TX… Your existing Advantage Plus clients will receive communication by mail from GTL highlighting an increase in base benefits for no additional premium! There is nothing you need to do. See below for all of the current states where this applies. As we receive additional state approvals, we will update you. These upgraded benefits include: Reduced Benefit Trigger to 6 Hours! For your clients who have the Short Duration Hospital Stay Rider (included in the 3-day and 6-day benefit periods), benefits will now be paid for
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Lumico News: FYI – Insurance license scam alert
Attention: insurance license scam alert We’ve received a notice from the Department of Insurance concerning an insurance license scam. We wanted to make you aware of this situation: Scam artists are identifying themselves (primarily by phone) as Department staff/investigators and notifying life insurance agents (i.e., the licensee) that they are under investigation, and that their license may be suspended or revoked, or that an arrest warrant has been issued in the licensee’s name. They will then request money to “resolve the problem.” If you suspect any fraud, please call the main line of the Department of Insurance. Please stay vigilant
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The Mutual Income Solutions Highlight Sheet
Learning all the ins and outs of Mutual of Omaha’s disability income insurance policy, Mutual Income Solutions, can seem daunting for consumers. That’s where our consumer-facing highlight sheet comes in! Use the highlight sheet to start the income protection conversation with your clients. Discuss how this important insurance policy can help replace a portion of their income if they’re sick, injured or unable to work and show them all of the optional benefits that can be used to customize their policy to fit their unique needs. The Mutual Income Solutions Highlight Sheet #goldencareagent #mutualofomaha #disability
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Good News in 2022: Living Promise Graded Reprice
Our Living Promise Graded Benefit Plan offers affordable coverage and competitive product features and now on January 1, 2022, you will also see rate decreases in many of the age bands. Here’s what you need to know: Rate Adjustments Rate adjustments will be a mix of decreases and increases and may vary by age and sex. You can view the new rates by referring to the quoting software beginning January 1, 2022. Transition Rules Applications signed prior to January 1, 2022, will receive the old rates. Applications signed on January 1, 2022, or after will receive the new rates. Quoting
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Download the 2022 LTCi Tax Advantages Flyers
There are a lot of advantages to owning a traditional long-term care policy. It helps people remain in their homes as long as possible, ensures parents won’t have to rely on their kids to take care of them, and provides protection for a retirement nest egg. But there’s another important advantage… the potential to save on federal and state income taxes. The LTCi tax advantages flyers are now updated with the 2022 eligible deduction amounts. Download the flyers now: Agent Tax Guide Tax Advantages for Individuals Tax Advantages for Business Owners Download the 2022 LTCi Tax Advantages Flyers
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Underwriting Options for Critical Advantage Portfolio Products
Mutual of Omaha’s Critical Advantage Portfolio offers limited underwriting across all three products, which means you can offer a streamlined application experience for your clients. General Underwriting Guidelines Express (benefit amounts of $10,000 to $50,000) Simplified (benefit amounts of $51,000 to $100,000) Learn more about the simple underwriting process and options available in the Critical Advantage Product and Underwriting Guide. If you have any questions, please contact Sales Support at (800) 693-6083 or email sales.support@mutualofomaha.com. Underwriting Options for Critical Advantage Portfolio Products #goldencareagent #mutualofomaha
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Mutual Income Solutions – Get to Know the Consumer Product Brochure
You know that a solid financial plan starts with your clients’ ability to earn an income. That’s why their income is likely to be their most valuable asset – even more so than their house, car or savings – and why it’s so important to help them protect their income. The Consumer Product Brochure is a simple way to help explain the concept of disability income insurance to your clients. It provides a brief overview of the need for disability income insurance, contains a ‘benefits for you’ worksheet and gives a high-level breakdown of what the Mutual Income Solutions product
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Making Holiday Small Talk About Big LTC Decisions
Making Holiday Small Talk About Big LTC Decisions — InsuranceNewNet article Thrivent’s Vice President of Health Insurance Products, Steve Sperka, discusses why it’s critical that Financial Advisors provide guidance to their clients on how to have extended care discussions. This article shares three key guidelines to help advisors encourage these family conversations. Read Article #goldencareagent #thrivent #ltc
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