Sales Idea: Supplementing Employee Benefit Plans

Workers who are fortunate to have a competitive benefits package from their employers might not know what kind of coverage they have. Do your clients know if disability income insurance is part of their plan at work? Or if they have disability income insurance, do they understand their group coverage? Help your clients understand the disability income insurance benefits they receive from their employers, and if necessary, recommend additional coverage to supplement their employee benefits. View the Supplementing Employee Benefit Plans Sales Idea Video for more information on this concept!   Sales Idea: Supplementing Employee Benefit Plans   #goldencareagent #mutualofomaha
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Categories: Disability Income Insurance, Industry News, and Mutual of Omaha (& Affiliates).

GTL’s Hospital Indemnity Insurance vs The Competition

GTL’s new Advantage Plus® Elite Hospital Indemnity Insurance has a potent one-two punch! Couple GTL’s fast, transparent claim processing with over 16 years of developing innovative hospital indemnity benefits, and it’s clear that Advantage Plus Elite continues the champion legacy in the senior hospital indemnity industry! See below for details on how GTL’s Advantage Plus Elite knocks out the competition: Base Benefits Advantage = GTL   FEATURES GTL SIMILAR COMPETITOR OFFERINGS Daily Hospital Confinement 1-Day Benefit Period $1,000 – $2,500 ($10 Increments) 6 – 10, 21 or 31 Day Benefit Period $100 – $600 ($25 Increments) 3 – 10, 15
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Categories: Guarantee Trust Life, Hospital Indemnity Plan, and Industry News.

Payment options built for your clients

Find the right financial fit for a wide variety of your clients with NGL EssentialLTC’s unique payment options and features. Joint Pricing Structure and Shared Benefit Rider Learn how EssentialLTC helps couples with the Joint Pricing Structure and Shared Benefit Rider. When combined, they give a premium for two insureds that can be comparable to a premium for one individual and a third pool of money if one or both insureds exhaust their benefits. For more details about these two features, download the Joint/Shared Benefit Brochure today.   Flexible Payment Options There are several payment term options that can fit
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Categories: Industry News, Long-Term Care, and National Guardian Life.

Good News | Struggling With Declines? Here Are Pro Tips To Increase Placement

Pro Tips To Boost Your LTCi Placement Rates When you’re ready to submit a completed Long-Term Care insurance application, give yourself a pat on the back! But don’t celebrate too soon. Your work is not done! It is very important to manage client expectations regarding the health interview, length of time to collect APS records (if needed), and explain potential underwriting outcomes. Here are some pro tips & resources to help: • Refer to Uninsurable Health Conditions/Medications Lists • Share the Next Steps in the Application Process Piece • Complete the “ARI” Authorization Form inside the app • And always
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Categories: GoldenCare News, Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).

Take Our Survey! We Want Your Input

Answering Objections Suggestions We value your opinion and YOUR expertise. Please fill out the survey below.   If we feature one of your suggestions on any of our webinars, we’ll give you a 1,000 GoldenCare Reward points worth a $50 Amazon Gift Card!   Overcoming Objections:  Client Hesitancy Our LTCi Sales Expert has collaborated with a panel of other successful insurance producers, in addition to his own 25 years of experience… And we’re ready to share some valuable tips and strategies. Wed, Apr 13, 2022 2:00 PM  to  2:45 PM CDT         Questions or help registering? Call
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Categories: GoldenCare News, Industry News, and Long-Term Care.

“Cognitive decline rates more than double over 10 years: study”

“Cognitive decline rates more than double over 10 years: study,” by Alicia Lasek, McKnight’s LTC News Quote: “The incidence of cognitive decline more than doubled between 2009 and 2018 among seniors, according to a study published Thursday. … In 2009, physicians recorded 1 new case of cognitive decline for every 1,000 patients observed. This number rose to 3 new recorded cases per 1,000 by 2018. The number of patients reporting concerns about memory remained stable during the study period. … Full findings were published in the journal Clinical Epidemiology.”   LTC Comment, Stephen A. Moses, President, Center for Long-Term Care Reform: Is
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Categories: Clippings and Industry News.

“Where Long-Term Care Insurance Is Heading”

“Where Long-Term Care Insurance Is Heading,” by Margie Barrie, ThinkAdvisor Quote: “One major theme at the ILTCI Conference was the need to use technology better. Another major theme was finding ways to keep long-term care insurance holders in their homes longer. A venture capital firm sponsored a competition for firms with ideas about how to use technology to promote aging in place.”   LTC Comment, Stephen A. Moses, President, Center for Long-Term Care Reform: ILTCI conference news.               Subscribe to GoldenCare News  
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Categories: Clippings and Industry News.

“Opinion: The imperative of equality in long-term care”

“Opinion: The imperative of equality in long-term care,” by Kathleen D. Hayes and Anna Doroghazi, CTPost Quote: “As we age, long-term care needs threaten the financial stability we aim to achieve. To cover the exorbitant costs of care, many couples turn to Medicaid Title 19.  … Without financial protections in place, families are forced into a mad spending dash, purchasing furniture; renovating the home; purchasing prepaid funerals — in essence, throwing money out the window for the sake of expediting eligibility for vital supports and services. The same vital supports and services that upper middle-class families access with $137,400 of
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Categories: Clippings and Industry News.

“Time Is on Group Long-Term Care Insurance Sellers’ Side”

  “Time Is on Group Long-Term Care Insurance Sellers’ Side,” by Margie Barrie, ThinkAdvisor Quote: “Many workers are now caregivers. They are hungry for ideas about how to pay for their own care. Text messaging is the new email.”   LTC Comment, Stephen A. Moses, President, Center for Long-Term Care Reform: ILTCI conference news.               Subscribe to GoldenCare News  
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Categories: Clippings and Industry News.

“COVID-19 and Long-Term Care Insurance Operations”

  “COVID-19 and Long-Term Care Insurance Operations,” by Margie Barrie, ThinkAdvisor Quote: “Facilities have a hard time keeping employees. Insurers have trouble getting the information they need to handle claims and appeals. Fraud investigators have trouble getting a good, in-person look at the people they want to see.”   LTC Comment, Stephen A. Moses, President, Center for Long-Term Care Reform: ILTCI conference news.               Subscribe to GoldenCare News  
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Categories: Clippings, COVID-19, and Industry News.