Here’s a big benefit for your clients during these challenging times: Gerber Life makes it easy to obtain budget friendly insurance coverage to protect their loved ones. Our guaranteed issue1 products offer an easy application process and fast approval, with no medical exam necessary. Plus, your clients can find comfort and confidence in knowing they’re prepared for the future with a financially strong company that’s been providing insurance to families for more than 50 years. Here are some highlights of Gerber Life’s guaranteed issue1 products: Gerber Life Guaranteed Life — a great way to help counter the effects of inflation
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Inforce LTCi Rate Adjustments Effective November 1, 2022
Mutual of Omaha actively monitors our inforce long-term care business, filing rate adjustments when necessary to ensure we keep our promises to policyholders and remain competitive in the marketplace. We will be implementing the following inforce rate adjustments effective November 1, 2022: Impacted Policy Forms Impacted States LTC04G Mississippi, Wyoming LTC04I Mississippi, Washington, Wyoming LTC04I7 Mississippi, Washington, Wyoming LTC09M Mississippi, Washington, Wyoming LTC06UI Mississippi, Washington, Wyoming LTC09U Mississippi, Washington, Wyoming LT50, NH50, HCA, NHA & LTA North Carolina For details on yearly rate adjustment percentages, view the supplemental grid here. Policyholder Notification Process Policyholders will receive a letter notifying
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LTCi Advanced Markets Podcast
Listen to the latest Advanced Markets Podcast to hear Stephen Alloy and Corri Campbell discuss the long-term care insurance industry, our cost of care tools, and how we may be entering enter the Golden Age of LTC. Listen now. View the Tools Discussed here: Rising Costs of Long-Term Care Services → LTCi Conversations → If you have any questions, please contact your Mutual of Omaha’s Sales Support at (800) 693-6083 or email sales.support@mutualofomaha.com. LTCi Advanced Markets Podcast #goldencareagent #mutualofomaha
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Creating a Critical Advantage Cross-Sell
As you work with clients to create a custom life insurance solution, take advantage of the opportunity to position Mutual of Omaha’s Critical Advantage portfolio products. Learn how this portfolio acts as a complement to the client’s current coverage and how the products can help replace lost income, pay health insurance deductibles, and even cover the cost of household expenses. View the Offer Critical Advantage when Selling Life Insurance Sales Idea. If you have any questions, please contact your Mutual of Omaha’s Sales Support at (800) 693-6083 or email sales.support@mutualofomaha.com. Creating a Critical Advantage Cross-Sell #goldencareagent #mutualofomaha
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Four Truths about Long-Term Care
Four Truths about Long-Term Care In August, we are focusing on helping you have better proactive long-term care discussions with your clients. The Four Truths of Long-Term Care flyer is a consumer approved piece to introduce clients to the need to create an extended care strategy. Give this piece to clients to open the door for a conversation about their future care needs. State specific versions of this piece can be downloaded or ordered from www.tfltcstore.com. Download ICC version #goldencareagent #thrivent #ltc
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Just days remaining in our CareForward sales incentive
Earn an additional $150 for each qualifying CareForward contract* For each Thrivent CareForward application submitted between 6/1/22 and 9/1/22, and where the policy is paid and in-force by 12/1/22 you can earn an extra $150 per life. There is no cap to this incentive. This promotion is limited to the CareForward product. Sales of Thrivent’s traditional LTCi policies will not qualify. CareForward contracts that replace an existing LTCi policy will be excluded. * See the incentive flyer for complete rules. Incentive Flyer #goldencareagent #thrivent
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Upcoming Lumico Med Supp rate adjustment on 10/1
Upcoming rate adjustment for Med Supp Effective October 1, there will be a rate adjustment for our Med Supp policies underwritten by Lumico Life Insurance Company in Arkansas. Applications signed and received on or after 9/1, with a requested effective date on or after 10/1, will be subject to the new rate. Applications signed and received on or before 8/31, with a requested effective date on or after 10/1, will receive the current rate. Applications requesting an effective date prior to 10/1 will also continue to receive the current rate. NOTE: The rate adjustment on 10/1 applies to existing Med
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Get to Know Mutual Income Solutions Underwriting
Mutual Income Solutions℠ Underwriting Our goal is to provide the best possible offer of disability income insurance to help protect your client’s income. Each case is carefully evaluated based on three underwriting criteria: Occupation Depending on your client’s job duties, we’ll designate an occupational risk class. Health A health interview and medical tests may be required depending on the benefits applied for. Income Financial underwriting determines your client’s income in order to set the policy’s maximum monthly benefit. Learn more about Mutual Income Solutions Underwriting in this short video: You can also reach the Mutual Income Solutions Underwriting team for
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Understanding your Exposure with Telephone Solicitations
Telephone solicitations are an important aspect of insurance marketing. Unfortunately, this has become a high-risk endeavor. The Telephone Consumer Protection Act of 1991, better known as the TCPA, was enacted to protect consumers from unwanted telemarketing calls and faxes. It imposes liability in the form of regulatory fines and incentivizes private plaintiffs to pursue claims with statutory damages of $500 to $1,500 per call, with no limit. Attorneys’ fees for defending TCPA actions can easily reach hundreds of thousands of dollars and multi-million dollar settlements are, unfortunately, a common occurrence. Agents and brokers are expected, and contractually required, to act
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Sales Idea: Selling LTCi to Middle Market Clients
There are a variety of options available to help with long-term care planning. While each may have unique benefits for your client, when it comes to the middle market, standalone LTCi may make more sense. Understand the middle market buyers – their motivations, needs and hesitancies when it comes to LTCi by viewing the Sales Idea flyer below: Selling LTCi to Middle Market Clients Sales Idea: Selling LTCi to Middle Market Clients #goldencareagent #mutualofomaha
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