The new Critical Advantage marketing material is here! Time for you to kick the year off right and start selling now. Not only does the marketing material have a new look, it’s been updated to be more customer friendly and have the latest statics and product details. The Critical Advantage products; Critical Illness insurance, Cancer insurance & Heart Attack/Stroke insurance, pay the expenses health insurance does not cover. Things like copays, deductibles and any other out-of-pocket expense. To view the new material, click here for Sales Professional Access. You can also order the new material through your normal ordering channels.
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You’re Invited! Special Introductory Training on a New LTC Alternative
GoldenCare now offers True Freedom Home Care Plans as an LTC alternative! These are field-issue plans available in all 50 states! All True Freedom Home Care Plans feature: 1-Question Field Issue | No Medical Underwriting | Available Nationwide | No Age Limit | No Elimination Period | No ADL Requirements | No Claim Forms Nationwide Home Care Plans with No Medical Underwriting Register Now To Reserve Your Space! Click below to register: Thurs, Feb 6, 2020 2:00 PM to 2:45 PM CST Questions? Call the GoldenCare Marketing Team at 800-842-7799! Don’t forget to subscribe to our News Digest
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Important Announcement from United Security Assurance
January 28, 2020 As many of you are aware, United Security entered into a reinsurance treaty in 2016 in order to improve its financial results and risk-based capital, which had been affected by blocks of business purchased in the past. During an Examination of United Security Assurance Company, the Pennsylvania Department of Insurance (“PA DOI”) determined that the Reinsurer’s assets, which back the policyholder reserves for the business transferred to the reinsurer, were substantially invested in subsidiaries and affiliates of a large private company. The PA DOI and the Company have concerns about the Reinsurer’s assets and would like them
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Good News | Coming 2/23/2020: LTCi Apps Will No Longer Require Premium!
Coming Soon: No More Premium With Omaha LTCi Applications Effective February 23, 2020, premium will no longer be accepted at time of application. Monthly EFT drafts will begin on the date of issue rather than upon receipt of the application. Total premium is due 60 days from issue. Other important changes, related to Post-Issue Requirements and timing of compensation payments, will also take effect February 23rd. Click below for full details: Updates to LTC Policy Dating Process and Commission Timing Questions? Call the GoldenCare Marketing Team at 800-842-7799! Don’t forget to subscribe to our News Digest for all
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“Living near major roads linked to risk of dementia, Parkinson’s, Alzheimer’s and MS”
“Living near major roads linked to risk of dementia, Parkinson’s, Alzheimer’s and MS,” Science Daily Quote: “Researchers from the University of British Columbia analyzed data for 678,000 adults in Metro Vancouver. They found that living less than 50 metres from a major road or less than 150 metres from a highway is associated with a higher risk of developing dementia, Parkinson’s, Alzheimer’s and MS — likely due to increased exposure to air pollution.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): Besides, the road noise will drive you nuts anyway.
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Clippings, Industry News, and Long-Term Care.
A Fresh New Look for Our IUL Materials
Our IUL products provide your clients with life insurance protection while also offering upside potential by linking the product’s accumulation value to the upside performance of a market index. On Life Protection Advantage, our protection-focused product, the accumulation value can help extend the death benefit beyond the no-lapse protection period. On Income Advantage, our accumulation-focused product, the cash value can help provide future supplemental income for retirement, college funding, or other expenses. We have just updated our IUL materials with a fresh, new look for the new year! The new materials are available for download on the Sales Professional Access
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Express Reference Guide, Life Insurance Products
United of Omaha’s Express Life Products Reference Guide can provide you with the underwriting requirements – such as the height and weight chart as well as examples of ineligible conditions – on our Simplified Issue products. United of Omaha Simplified Underwriting products include: Term Life Express, Guaranteed Universal Life Express, Indexed Universal Life Express, Living Promise Final Expense, Children’s Whole Life, and Guaranteed Advantage. This is a great piece to download and keep with you to use as a reference guide! If you have any questions, please contact your Mutual of Omaha’s Sales Support at (800) 693-6083 or email
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“Burnout generation gap: Gen X healthcare workers fare worse than millennials, boomers”
“Burnout generation gap: Gen X healthcare workers fare worse than millennials, boomers,” by Hailey Mensik, HealthCareDive Quote: “Physicians ages 40 to 54, or those belonging to Generation X, experience burnout at a higher rate than their older and younger coworkers, according to a new report from Medscape. Nearly 48% of Gen X physicians reported burnout, compared with 38% of millennials and 39% of baby boomers. Among all generations, bureaucratic tasks including charts and paperwork were cited most frequently as a factor for professional dissatisfaction and burnout, followed by long hours. … Half of all physicians surveyed said they would take a
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Clippings, Industry News, and Long-Term Care.
“39% of adults in their 70s view Social Security as ‘a lifeline’”
“39% of adults in their 70s view Social Security as ‘a lifeline’,” by Lois A. Bowers, McKnight’s Senior Living Quote: “Thirty-nine percent of respondents to a new survey who were aged 70 to 79 said they plan to rely on Social Security in retirement ‘a lot, as a lifeline to keep me afloat,’ suggesting both challenges and opportunities ahead for senior living operators. An additional one-third (33%) in that age group who participated in TD Ameritrade’s ‘Road to Retirement Survey’ said they plan to rely on Social Security ‘some,’ and 27% said ‘a little, as a cushion when I need it.’
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Clippings, Industry News, and Long-Term Care.
“How to Survive as a Caregiver: Six Essential Tips”
“How to Survive as a Caregiver: Six Essential Tips,” by Dorothy Kelley, Today’s Caregiver Quote: “Have you ever found yourself thrust into a job that you would never have applied for, and for which you didn’t have the background or training? For which you felt you were unsuited in so many ways? And for which you are not allowed to quit or retire? That scenario might be the stuff of most people’s nightmares, but for millions of Americans, it is the reality of life as a caregiver.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): Anyone who
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Clippings, Industry News, and Long-Term Care.
