Could legacy long-term care (LTC) blocks be the next wave of M&A deals?

September 26, 2023 | by | Comments Off on Could legacy long-term care (LTC) blocks be the next wave of M&A deals?

“Could legacy long-term care (LTC) blocks be the next wave of M&A deals?,” by Mike Bergerson and Prannoy Chaudhury, Milliman “Given the convergence of LTC blocks with growing credible experience data, pressure on insurers around legacy blocks (especially insurers that are publicly traded), and buyers considering the next area of focus, we would certainly say it is time for a closer value evaluation of LTC blocks by sellers and buyers in preparation for transactions in the very near future.” LTC Comment, Stephen A. Moses, President, Center for Long-Term Care Reform: Excellent analysis of “What went wrong in the LTC market?”
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Categories: Clippings and Industry News.

Understanding the Stages of Dementia: A Compassionate Guide for Families and Caregivers

September 26, 2023 | by | Comments Off on Understanding the Stages of Dementia: A Compassionate Guide for Families and Caregivers

“Understanding the Stages of Dementia: A Compassionate Guide for Families and Caregivers,” by Jacob Maslow, Streetwise Journal “Navigating the emotional, physical, and financial intricacies of dementia can be an overwhelming experience. This comprehensive guide aims to illuminate the journey through each stage of the disease, offering insight, resources, and strategies to help families and caregivers manage challenges with resilience and compassion.” LTC Comment, Stephen A. Moses, President, Center for Long-Term Care Reform: What to expect if you’re expecting dementia.     Subscribe to GoldenCare News  
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Categories: Clippings and Industry News.

It’s that time of year again!

September 25, 2023 | by | Comments Off on It’s that time of year again!

It’s that time of year again! As we approach the 4th quarter, be sure you’re following up on your conversations with business owners and key decision makers at employer groups now. Take a look at our Tax Summary for additional information on how businesses large or small may get a tax deduction for purchasing plans on their owners or their employee and their spouse, too! Get their LTCi plans in place as soon as possible so they can get their premiums paid in 2023 for 2023 tax deduction for the business. Submitting applications now will help you have as much
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Categories: Industry News, Long-Term Care, and National Guardian Life.
Tags: EssentialLTC, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, National Guardian Life Insurance Company, NGL, point of sale, and Sales Team.

How LTCi Impacts People’s Lives

September 25, 2023 | by | Comments Off on How LTCi Impacts People’s Lives

At age 80, Marilyn was living alone. Chronic knee pain made it hard for her to get around. As Marilyn’s knee pain worsened, her daughter Melinda urged her mother to see a doctor. Her orthopedic doctor recommended a total knee replacement. She underwent the surgery but decided against inpatient rehabilitation. Instead, she opted to receive post-op physical therapy at home, which meant she required the services of a home health care provider. Check out Marilyn’s full story of how her Mutual of Omaha long-term care insurance policy was able to assist her with the care she needed as she focused
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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
Tags: cash, cash benefit, insurance, Long-Term Care, long-term care insurance, LTC, LTC Awareness, LTCi, mutual of omaha, Mutual of Omaha Insurance Company, omaha, real life stories, and stories.

Medicare Solutions – Omaha Family of Companies

September 25, 2023 | by | Comments Off on Medicare Solutions – Omaha Family of Companies

Medicare Supplement: Upcoming Rate Adjustments View upcoming rate adjustments for various states.   Get More Cash For Your Med Supp Apps Learn more information about a temporary cash increase for the broker bonus program.   ANOC Communication Update for 2024 Members will be receiving their ANOC letters by October 1, 2023.   Increased Medicare Supplement Auto-Decision Rate Get your underwritten applications issued quickly with our e-Application Storefront.   Upcoming Rate Adjustments View upcoming rate adjustments for various states.   e-App Storefront Enhanced Functionality We have updated our e-App storefront with an additional functionality.   Dental: Coming Soon – Additional States
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Categories: Industry News, Medicare Supp./Adv., and Mutual of Omaha (& Affiliates).
Tags: insurance, Med Supp, medicare, Medicare Solutions, Medicare Supplement, Medicare Supplements, Medigap, mutual of omaha, Mutual of Omaha Insurance Company, omaha, Omaha Insurance, Omaha Supplemental Insurance Company, and OSIC.

Thrivent media campaign raising brand awareness

September 25, 2023 | by | Comments Off on Thrivent media campaign raising brand awareness

New marketing campaign features clients telling their stories The Follow Your Heart marketing campaign celebrates clients who are having a positive impact in their communities, thanks to Thrivent’s differentiated offerings. Video: Dr. Artika Tyner, a law professor and author who promotes diversity in books and childhood literacy. Six Thrivent clients are featured in our new Follow Your Heart marketing campaign to drive awareness of Thrivent. It’s the first time we’ve put real clients at the center of an advertising campaign. Each client story features Thrivent’s holistic advice and financial products, plus stories about clients engaging with our generosity programs. The
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Categories: Industry News, Long-Term Care, and Thrivent.
Tags: fraternal benefit society, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, Thrivent, Thrivent Financial, and Thrivent Financial for Lutherans.

Upcoming Lumico Med Supp rate adjustment on 11/1

September 25, 2023 | by | Comments Off on Upcoming Lumico Med Supp rate adjustment on 11/1

Upcoming rate adjustment for Med Supp Effective November 1, there will be a rate adjustment for Med Supp policies underwritten by Lumico Life Insurance Company (Lumico) and Elips Life Insurance Company (Elips Life). For Lumico states (IL and TN) No new policies will be underwritten by Lumico in IL and TN. Policies in these states will continue to be underwritten by Elips Life. For Elips Life states (IL) New policies will continue to be underwritten by Elips Life in IL. Please note the following cut off dates: Applications signed on or after 10/1/23, with a requested effective date on or
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Categories: Industry News, Lumico, and Medicare Supp./Adv..
Tags: insurance, Lumico, Lumico Medigap Solutions, Med Supp, medicare, Medicare Supplement, Medigap, Medigap Solutions, supplemental coverage, and Swiss RE.

Revamped: Living Promise Record Keeper

September 25, 2023 | by | Comments Off on Revamped: Living Promise Record Keeper

The Living Promise Record Keeper now has a fresh new look. This workbook is intended for your clients to use to keep all their important contact information, documentation and end of life decisions in one place. It’s a great piece to provide your Living Promise clients with so they can get their affairs in order for their loved ones. The booklet can also be customized with your contact information on the back page. To order with your information on the back cover contact Mutual of Omaha’s Sales Support at 1-800-693-6083.   Revamped: Living Promise Record Keeper   #goldencareagent #mutualofomaha
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Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).
Tags: express, Express Underwriting, indexed universal life, insurance, IUL, IULE, Life Insurance, mutual of omaha, Mutual of Omaha Insurance Company, omaha, simplified underwriting, Term Life Express, and United of Omaha.

Premium Draft Updates for Simplified Issue

September 25, 2023 | by | Comments Off on Premium Draft Updates for Simplified Issue

Due to a variety of reasons, there are times when we are unable to successfully draft initial premiums. To limit potential impacts and fees that may occur for clients, we will now limit the number of premium draft attempts to three for our simplified issue products to place coverage in force. If we are unsuccessful in drafting the initial premium after three attempts, the policy will be canceled. The proposed insured may reapply for coverage with updated bank information or once any challenges with their account have been resolved. We want to continue to be a good partner and are
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Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).
Tags: express, Express Underwriting, indexed universal life, insurance, IUL, IULE, Life Insurance, mutual of omaha, Mutual of Omaha Insurance Company, omaha, simplified underwriting, Term Life Express, and United of Omaha.

The Cost of Long-Term Care Services Per State

September 25, 2023 | by | Comments Off on The Cost of Long-Term Care Services Per State

The average cost of care is changing annually. To assist individuals in gaining a clear understanding of the anticipated expenses for long-term care, we provide information on the average cost of services offered per state. Check out the flyer below for cost breakdowns on: Home Health Aide LPN RN Assisted Living Facility Nursing Home The Cost of Long-Term Care Services – 2023 Update flyer   The Cost of Long-Term Care Services Per State   #goldencareagent #mutualofomaha
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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
Tags: insurance, Long-Term Care, long-term care insurance, LTC, LTC insurance, LTCi, Mutual Income Solutions, mutual of omaha, Mutual of Omaha Insurance Company, and omaha.