Producers, In observance of the 4th of July, ManhattanLife’s Houston and Voluntary Benefits offices will close early at 2:00pm CST on Wednesday, July 3, 2024. All ManhattanLife locations will stay closed Thursday, July 4th and Friday, July 5th for the holiday. We will return to normal business hours on Monday, July 8th. We hope you have a wonderful time celebrating with your friends and family! Thank you, Sales & Marketing #goldencareagent #manhattanlife #mac
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Upcoming Fourth of July Office Closing
Reminder that Mutual of Omaha and its affiliates (United of Omaha and United World) will be closed on Thursday July 4th and Friday, July 5th & in honor of the Independence Day holiday. Below are the cut-off dates and times and the adjusted pay schedules. Holiday Pay Calculation Schedule Med Supp E-App & All Life Cutoff 3:00 PM Health Cutoff 3:00 PM Long Term Care Cutoff 3:00 PM Direct Deposit (EFT) Available Independence Day, Thursday & Friday 7/04/24 – 7/05/24 Monday 7/01/2024 Monday 7/01/2024 Friday 6/28/2024 Friday 6/28/2024 Friday 7/05/2024 Weekly and holiday pay schedules are also available on
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Accident Insurance, Critical Illness, Disability Income Insurance, Industry News, Life Insurance, Long-Term Care, Medicare Supp./Adv., and Mutual of Omaha (& Affiliates).
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Understanding the Benefits of LTCi vs Medicare and Medicaid
Many people think that Medicare and Medicaid are synonymous with long-term care insurance. However, relying on either of these government-run programs will most likely leave your clients and prospects without the level of care they need or expect. Help your clients make informed decisions about their future health plans by knowing the advantages of a private LTCi policy over Medicare and Medicaid. Check out this sales idea flyer to learn more. If you have any questions, please contact Mutual of Omaha’s Sales Support at (800) 693-6083 or e-mail sales.support@mutualofomaha.com. Understanding the Benefits of LTCi vs Medicare and Medicaid
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Attention: Illumifin Experiencing Phone Health Interview Delays
Our vendor, Illumifin, has notified the Mutual of Omaha team that they are currently experiencing delays in scheduling of Phone Health Interviews (PHI). Currently, they are experiencing significant application volumes, and the recent holidays — Memorial Day, Juneteenth, and the upcoming 4th of July — have further impacted interviewer availability. Illumifin is taking steps to address the delays and anticipate returning to normal operations by mid-July. However, at present, we are seeing interviews backed up by approximately three weeks. We appreciate your patience and understanding during this time. Please feel free to reach out if you have any questions or
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Medicare Solutions – Omaha Family of Companies
Medicare Supplement: Minimizing Potential Underwriting Delays in the e-App Storefront Follow a few underwriting tips to avoid processing delays in the auto decision and underwriting stages. Where to Find an Authorization Number on an e-Application So, you finished an e-Application, but where is the Authorization number that is needed for the applicant to sign the app? Upcoming Rate Adjustments View upcoming rate adjustments for various states. Dental: How to Complete a Stand-Alone Dental e-Application Writing a stand-alone dental policy is easy in our e-application storefront. Prescription Drug Plans: PDP Payment Processing System Updates Mutual of Omaha
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Action required: Update your email notification settings
Action required: Update your email notification settings Your agent website alerts are now real-time Notifications. We’ve enhanced the updates you receive about your business to help you make more timely informed decisions. IMPORTANT: We are discontinuing the previous email alerts, so you will need to choose the email notifications you want to receive, as your previous selections do not carry over. To view your Notifications, sign in to the secure agent side of AetnaSeniorProducts.com. You’ll see a summary of your New Notifications at the top of the page. Just click the number beside the notification type to view more
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Understanding Middle Market Buyers: Their Profile and the Necessity of Long-Term Care
The definition of what it means to be “middle market” is a moving target. It depends on where you live and which numbers are used at the top and the bottom of the scale. Generally speaking, middle market buyers fall into the $50k to $150k annual income per household category. They may not live paycheck to paycheck; however, may be reluctant to pay large annual premiums or lump sum payments. These middle market buyers need long-term care solutions that are affordable and manageable. Traditional LTCi is customizable to fit the needs of each individual based on their needs and financial
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Inforce LTCi Rate Adjustments Effective September 1, 2024
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 September 1, 2024: Indiana Policy Forms Impacted 2024 Overall Rate Increase LTC04G 18.00% LTC04I 18.71% LTC04I7 16.22% LTC09M 10.06% LTC06UI 19.01% LTC09U 12.50% Oregon Policy Forms Impacted 2024 Overall Rate Increase 2025 Overall Rate Increase 2026 Overall Rate Increase LTC04G 36.69% 17.67% 23.09% LTC04I 36.16% 3.71% 23.22% LTC04I7 38.00% 16.75% 22.89% LTC09M 36.58% 6.29% 18.49% LTC06UI 20.47% 5.00% 20.95%
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Thrivent licensing reminder: States requiring pre-appointment or a fraternal license before selling
Licensing reminder—Plan ahead for states requiring preappointment or a fraternal license While Thrivent has just in time appointment for most states, there are three states where an agent must be appointed before taking an app. There are also four states that require an advisor to have a fraternal license to sell Thrivent products. Appointments: Thrivent currently requires pre-appointments in GA, PA and WI. Fraternal Licenses: Four states (CT, DE, MA and NM) require a Fraternal License prior to being appointed with Thrivent. Obtaining a fraternal license is relatively easy and requires only a nominal fee. Please allow for additional time
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Documenting A Written Strategy For Extended Care (New Resource)
Documenting a written strategy for extended care As you may know, long-term care insurance isn’t the plan—insurance might help pay for the plan. This new worksheet can help clients think through and document their long-term care wishes. It can help discuss where care would be received and who would provide the care. This worksheet should be completed no matter what the funding source. This is the family’s roadmap. We encourage couples to complete the worksheet individually and then compare notes. This tool can help you, the financial advisor, to customize a funding plan as the client documents their concerns, family
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