Get Your Copy Of Our Brand-New STC Agent Playbook Spearheading Integrity’s STC Initiative, we’re ready to unveil yet another Short-Term Care insurance agent resource – our brand-new STC Agent Playbook! This quick-reference guide includes product availability, STC & HHC Battle Cards for three of our top carriers, plus quick-rates for OmniFlex STC and HHC Select plans with ManhattanLife. Download Your Copy Now! #goldencareagent #manhattanlife #mac
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Protected: 2025 LTC Incentive Trip and Crown Club Perks
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NGL Welcomes Michael Simenstad as Regional Vice President
Michael Simenstad joins NGL as Regional Vice President, Individual Products National Guardian Life Insurance Company (NGL) is pleased to announce Michael Simenstad has joined the company as Regional Vice President, Individual Products. With three decades of experience as a territory manager and financial services wholesaler, Simenstad is passionate about creating awareness for the value of Long Term Care insurance and creating authentic relationships. In his new role at NGL, Simenstad will focus on maintaining and developing strategic partnerships with current and potential Long Term Care (LTC) marketing organizations and agents. As a member on the Individual Products team, he will
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Thrivent LTC now offers lifetime renewals
Effective 1/1/24, lifetime renewals on new business In recognition of our strong results in independent distribution, and our desire to grow this business, Thrivent has enhanced our competitive compensation for you as of January 1, 2024. Going forward, Thrivent has moved from a 10-year renewal cap to lifetime renewals on life-pay policies. This is yet another reason for making Thrivent a regular part of your LTCi offerings. In addition to this competitive compensation, Thrivent offers: Multiple Solutions with our traditional LTCi and linked-benefit solution (CareForward™) A benefit-rich traditional LTCi solution offering competitive features and pricing More ages to insure (18-79
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LTCi Inforce Rate Increases Effective April 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 April 1, 2024. Impacted Forms Impacted States LTC04I Hawaii LTC09M Hawaii LTC09U Hawaii LT50, NH50, HCA, LTA, and NHA Vermont For details on yearly rate adjustment percentages, view the supplemental grid here. Policyholder Notification Process Policyholders will receive a letter notifying them at least 60* days prior to the premium rate increase effective date as outlined above. Along with the
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Updated LTCi Consumer Tax Guide
Tax tools to enable more proactive extended care conversations There are many reasons why clients should create a long-term care strategy. One message that has resonated well with consumers, is on the tax advantages of planning with long-term care insurance. Premiums might be deductible, claims are paid tax-free and some states offer tax incentives for LTCi policyholders. These tools are designed to help you share news on these tax advantages with your clients. LTCi Tax Deductibility Guide Updated with 2024 amounts Many clients are not aware that LTC benefits are paid 100% tax-free, but some or all of the premiums
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Kicking The New Year Off With The Right Conversations
Long-term care insurance is a critically important product line for clients who like to plan ahead. Knowing who those individuals are is key information to help you in your search for new clientele. Here are some things to look for when prospecting new clients: Demographics: 45-65 years old, family-oriented, and members who are exposed to friend or family member who has needed LTC services. Triggers to buy: Planning for retirement, birth of a grandchild, or a love one needing care. How people educate themselves: Family & Friends, their employer, insurance brochures. Use this flyer as a quick reference tool to
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GoldenCare Newsletter | January 8, 2024
Read Full GoldenCare Newsletter, January 8, 2023 Edition In this GoldenCare Newsletter Edition Introducing GoldenCare’s Decline Placement Program! We said we were bringing it in 2024 and here we go! To kick it off, we’re introducing our brand-new sales-saving service! Let’s flip those declines, get your clients coverage, and put more money in your pocket! Join us Thursday morning to learn just how easy it is to save more sales! Thurs, Jan 11, 2024 10:00 a.m. Central Time Guest Article: “Fines suspended for nursing homes that violate minimum staffing law,” byJosh Henreckson, McKnight’s LTC News Diversify your portfolio for greater sales
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Good News: A New ManhattanLife 2024 Sales Incentive Kicked Off Monday
ManhattanLife’s 1st Production Contest of 2024! Starting Monday, January 8th, ManhattanLife is excited to announce their first sales contest for 2024! Contest Period: January 8 – February 23. Products: Home Health Care / HHC Select, and OmniFlex™ Short-Term Care. A minimum of 5 HHC(S)/STC apps are required to qualify for double trip credits. View ManhattanLife’s Incentive Flyer for full details Be on the lookout for updated Tax Deductibility pieces – coming soon! #goldencareagent #manhattanlife #mac
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2024 Long-Term Care Tax Guides
As we transition into 2024, we have updated our long-term care tax guides to reflect the most current tax data. In the individual tax advantages guide it discusses the per day limitations, along with the 2024 eligible premium guidelines your client can deduct. There may also be several tax advantages for business owners who purchase a long-term care policy depending on how your client structures their business. Be sure to check out Sales Professional Access for a complete list of all 2024 long-term care tax guides that are available. If you have any questions, please contact Mutual of Omaha’s
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