Protect your clients from the Medicare myth

The retirement red flag you don’t want to miss A red flag in many retirement plans? Counting on Medicare to help pay for potential long-term care costs. Many clients don’t understand that Medicare does not pay for the type of care they’d need during an extended health care event. But if you don’t talk to clients about how they plan to pay for care, it’s a red flag you’ll never see – and an opportunity you’ll miss. We can help you have the long-term care conversation with clients and take the first step toward presenting them with solutions that address
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Categories: Industry News, Linked Benefit/Hybrids, and Minnesota Life.

OneAmerica — Care Solutions News: November 2018

Year-end Reminders OneAmerica holiday hours Review our 2018 holiday schedule to see when we’re closed. The schedule also includes holiday hours for LTCG, our Care Solutions interview vendor.   Year-end processing deadlines Review important deadlines to help help ensure a successful year end and make your cases count for 2018 production.   2018 required minimum distribution (RMD) deadlines Review our guidelines to ensure timely year-end processing of RMDs from OneAmerica policies. Operations updates REMINDER: Use ticket application and improved policy issue process to finish 2018 strong Throughout 2018, we’ve continued to streamline our new business submission process for Care Solutions
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Categories: Industry News, Linked Benefit/Hybrids, and OneAmerica.

Securian 2018 Year-End guidelines

Thank you for your continued business this past year. As we approach the end of 2018, please keep in mind the following dates and guidelines to ensure that all your business processes in a smooth and timely manner. Deadlines December 14 Recommended last day for Tele-UW and Medical Requirements December 21 Last day to process business for 2018 compensation; all missing requirements, including money, must be received in good order by 3 p.m. CT December 24 Securian Financial closed at 12:00 p.m. CT December 25 Securian Financial closed December 26 Last day to overnight requirements, communicate product changes on pending
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Categories: Industry News, Linked Benefit/Hybrids, and Minnesota Life.

Use ticket application and improved policy issue process to end 2018 strong

Reminder: Use ticket application and improved policy issue process to end 2018 strong   Throughout 2018, we’ve continued to streamline our new business submission process for Care Solutions products. As we rolled out in August, utilizing the new ticket application combined with the new policy issue process is the fastest way to get paid and end the year strong.   Beginning Dec. 3: COD will be on request only When using our ticket application and following the streamlined process, agents now submit premium prior to policy issue/delivery. Once the premium is received, new business issues and pays the policy, which
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Categories: Industry News, Linked Benefit/Hybrids, and OneAmerica.

SecureCare multi-pay now available in DC and SD!

SecureCare multi-pay now available in DC and SD! Thanks to our enhanced SecureCare Universal Life, your long-term care (LTC) conversation just got easier. Now you can offer a long-term care insurance option that gives your clients the flexibility, simplicity and freedom they deserve. Our new-and-improved SecureCare is now available in Washington D.C. and South Dakota, and boasts enhanced features and benefits, including: Cash indemnity benefits Single and multi-pay options Reduced-paid up benefit1 Learn more   1   Reduced paid-up benefit refers to the reduced paid-up nonforfeiture benefit that purchases paid-up insurance in the event of premium lapse.   SecureCare multi-pay
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Categories: Industry News, Linked Benefit/Hybrids, and Minnesota Life.

Securian – November Life Lines

Long-Term Care Awareness Month! November is Long-Term Care Awareness Month! This is the perfect time to help your clients learn more about long-term care insurance and help them find affordable solutions to their long-term care needs. Of course, the first step to finding a solution is understanding the problem. That’s why we’ve spent our Long-Term Care Awareness Month educating both advisors and consumers about the importance of long-term care: We published an article in the November issue of Broker World magazine about the world of caregiving. If you missed the article, you can read it below. Three interview segments about
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Categories: Industry News, Life Insurance, Linked Benefit/Hybrids, and Minnesota Life.

Don’t Let Their Gap Become Your Gap

The Great Retirement Income Gap campaign is back! The refreshed Great Retirement Income Gap (GRIG) campaign is running now through November. Use the GRIG message to promote National Long-Term Care Awareness Month and National Alzheimer’s Disease Awareness Month. Be sure to consult our recommended marketing calendar to plan your campaign.   OneAmerica® in the news A recent article in the Indianapolis Business Journal explains how OneAmerica sailed through the financial crisis of 2008. Scott Davison reflects on the lessons we learned. Download the reprint »   Care Solutions rate calculator Our Care Solutions rate calculator quotes Annuity Care® II and
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Categories: Industry News, Linked Benefit/Hybrids, and OneAmerica.

GILICO Introduces Exciting AnnuiCare Changes

Not Your Father’s Long-Term Care Insurance The Evolution of AnnuiCare®! GILICO is excited to announce a new generation of AnnuiCare® underwriting is here! Over the next few months, we will introduce multiple enhancements to the qualification process, which will make it easier to know if your client is a good prospect for AnnuiCare®. Phase 1 – Effective Immediately Introducing a Prescreen Form — No more Rapid Response Form! Based on the answers to the questions on the Prescreen Form you will know immediately whether or not you should take application. If you client answers “no” to all the questions, the
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Categories: Guaranty Income, Industry News, and Linked Benefit/Hybrids.

Growing together: A message from Tracey Edgar

Growing Together TRACEY EDGAR, ONEAMERICA® CARE SOLUTIONS DISTRIBUTION LEADER As we near the end of 2018, we at OneAmerica have a lot to be grateful for. Your business and continued collaboration have made this a banner year, and we’re proud to call each of you our customer. Together, we’ve given a record number of Americans access to long-term care protection – and the knowledge that, no matter what the future holds, we’ll be there when they need us most.   Sustaining this shared success means we must stay committed to excellence and improvement, both for you and for our policyholders.
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Categories: Industry News, Linked Benefit/Hybrids, and OneAmerica.

SecureCare – Now Available in Arizona

SecureCare – Now Available in Arizona Expand your book of business with a long-term care insurance alternative that’s within reach for more clients. SecureCare Universal Life Insurance is now available in Arizona. It has a fresh look plus enhanced features and benefits, including: Death Benefit Cash indemnity benefits Single and multi-pay options Reduced-paid up benefit1 Transition rules: SecureCare Universal Life with multi-payment enhancements and long-term care replacements will be available in Arizona August 20, 2018. To accommodate these changes, we now offer a new application. We will continue accepting applications for the original product until October 19, 2018. If a
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Categories: Industry News, Linked Benefit/Hybrids, and Minnesota Life.