“5 Long-Term Care Hybrid Perspectives,” by Allison Bell, ThinkAdvisor

“U.S. insurers already sell annuities that offer long-term care benefits, and life insurance policies that offer long-term care benefits, or similar benefits. The Long Term Care Innovations Subgroup, a panel of regulators at the National Association of Insurance Commissioners, has talked about the possibility of encouraging the creation of other types of hybrids. The subgroup has suggested that an insurance policy could protect consumers against death or disability when they are young, then turn into long-term care insurance once the insureds are old.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): We have different needs at
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Categories: Industry News and Long-Term Care.

“Cognitive decline after surgery tied to brain’s own immune cells,” by Jeff Norris, ScienceDaily

“After undergoing surgery, elderly patients often experience cloudy thinking that can last for weeks or even months. At one time researchers thought this cognitive decline might be caused by anesthesia, but mounting evidence suggests that heightened inflammation in the brain following surgery is the more likely cause.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): Take away: If you’re applying for LTCI, schedule your Minnesota Cognitive Acuity Screen (MCAS) and/or Enhanced Mental Skills Test (EMST) before, not after, your surgery. Cognitive decline after surgery tied to brain’s own immune cells #goldencareagent
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Categories: Industry News and Long-Term Care.

“We May Be About To See A Big Change In How Long-Term Care Insurance Is Priced,” by Howard Gleckman, Forbes

“Genworth, the biggest seller of stand-alone long-term care insurance, is about to ask state insurance regulators for permission to fundamentally revise the way it structures premiums. Instead of holding premiums flat for several years followed by big double-digit rate hikes, it wants to be able to revise premiums annually. In this design, unfortunately called the Annual Rate Sufficiency Model, buyers of new policies would likely see modest, single-digit rate hikes each year or two. If Genworth thinks it is likely to pay fewer claims than expected or if investment income is higher than projected, consumers might even see small rate
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Categories: Genworth, Industry News, and Long-Term Care.

Good News | LTC CEO Office, Home and Internet Selling Tools Software

Latest Update Now Available: (Version 8) LTC CEO Office, Home and Internet Selling Tools Software GoldenCare is excited to announce the latest update to our exclusive LTC CEO Office, Home and Internet Selling Tools software. This is the complete sales toolkit, loaded with the most powerful sales and training tools to help you succeed in selling Long-Term Care insurance and other Perfect Portfolio products. What is included in the LTC CEO? Find out how you can get the LTC CEO free of charge. Don’t miss this opportunity to see huge sales success this year! Read Full Good News Article  
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Categories: GoldenCare News, Guarantee Trust Life, Industry News, Long-Term Care, Mutual of Omaha (& Affiliates), and Uncategorized.

GoldenCare Newsletter | April 10, 2017

In this GoldenCare Newsletter Edition From GoldenCare: Join us for Mutual of Omaha and CareShield  in-depth product training! Don’t miss our Guest Article “Falls Are Taking a Huge and Rising Toll on Elderly Brains,” by Mike Stobbe, Associated Press. Click Here for our full schedule. Industry Updates: Mutual of Omaha has several updates and announcements. Did you know LTCi quotes can be run quickly on any Apple or Android device?  See the Newsletter for details on Quotes on the Go. Sales Professional Access now has a search feature to make it easier to find the information you need! As of
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Categories: Genworth, GoldenCare News, Guarantee Trust Life, Industry News, Life Insurance, Long-Term Care, Medicare Supp./Adv., and Mutual of Omaha (& Affiliates).

Medicare Supplement News – Omaha Family of Companies

Upcoming Rate Adjustments Please review information on upcoming rate adjustments in DC, GA, ID, KS, MI, MD, NE, OH, OK, SD, TN, TX, and WY. •  In-Force Only Rate Adjustment – KS, OH, SD, TN, and TX •  Modernized Rate Adjustment – DC, ID, MD, and WY •  Standardized Rate Adjustment – DC, GA, ID, KS, MI, MD, NE, OH, OK, TN, TX, and WY #goldencareagent #mutualofomaha
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Categories: Industry News, Medicare Supp./Adv., and Mutual of Omaha (& Affiliates).

Medicare Supplement News – Omaha Family of Companies

New Underwriting Guide Available The current underwriting guide has been updated to reflect Utah moving to Omaha Insurance Company. Washington Household Discount Change As of March 17, 2017, on new Medicare supplement business sales, the Washington Department of Insurance no longer permits us to offer a household discount to our United of Omaha Medicare supplement policyholders who reside with a Mutual of Omaha Medicare supplement policyholder. SELECT Provider Directory Updates Wagoner Community Hospital has been added to the United World Medicare SELECT Provider Directory for the state of Oklahoma. #goldencareagent #mutualofomaha
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Categories: Industry News, Medicare Supp./Adv., and Mutual of Omaha (& Affiliates).

Search Feature Now Available on SPA

It just got easier to find the information you need. Sales Professional Access (SPA) now has a search feature. Just click on the magnifying glass icon at the top. (Note: On small devices, look in the main navigation menu for “Search.”) Search with keywords and you’ll receive links to information related to the topic. If you don’t see what you’re looking for, scroll down to the bottom of the page to see other suggested ways to search. Let us know what you think of your new search function. As always, we would like to know your ideas to improve Sales
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Categories: Industry News and Mutual of Omaha (& Affiliates).

Massachusetts Training Notice

Effective immediately, the Massachusetts LTCi training requirements have been amended to no longer require producers to complete Mutual of Omaha’s company specific LTC product training. Therefore, it is no longer necessary to submit the completed Training Certification & Acknowledgement form in order sell Mutual of Omaha’s LTC products in Massachusetts. All other Long-Term Care education requirements must be completed prior to soliciting LTC insurance products. Massachusetts Training Notice #goldencareagent #mutualofomaha
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Categories: Industry News and Mutual of Omaha (& Affiliates).

U.S. Holiday Telephone Solicitation Bans for the Month of April 2017

Please be aware of the following U.S. holiday telephone solicitation bans for the month of April. On Friday, April 14, 2017: Louisiana prohibits unsolicited marketing calls to residents in observance of Good Friday On Sunday, April 16, 2017: Louisiana prohibits unsolicited marketing calls to residents in observance of Easter, however, state law already prohibits telephone solicitations on Sundays On Monday, April 24, 2017: Alabama and Mississippi prohibit unsolicited marketing calls to residents in observance of Confederate Memorial Day U.S. Holiday Telephone Solicitation Bans for the Month of April 2017 #goldencareagent #mutualofomaha
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Categories: Industry News and Mutual of Omaha (& Affiliates).