“Older adults concerned about retirements, look to alternatives to pad portfolios: surveys”

June 23, 2020 | by | Comments Off on “Older adults concerned about retirements, look to alternatives to pad portfolios: surveys”

“Older adults concerned about retirements, look to alternatives to pad portfolios: surveys,” by Kimberly Bonvissuto, McKnight’s Senior Living Quote: “The top financial regret for Americans concerning COVID-19 is not having saved enough for emergencies (23%), followed by not having enough retirement savings (20%), too much debt (17%) and lack of income stability (14%). Only 7% cited living beyond their means as a top regret. Not enough retirement savings was the top regret for those aged more than 55 years. … Despite the number of seniors concerned about their futures, 89% said in April they were confident they had enough funds
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Categories: Clippings, Industry News, and Long-Term Care.

“Surprise: Unhealthy lifestyle tied to Alzheimer’s risk”

June 23, 2020 | by | Comments Off on “Surprise: Unhealthy lifestyle tied to Alzheimer’s risk”

“Surprise: Unhealthy lifestyle tied to Alzheimer’s risk,” by Alicia Lasek, McKnight’s LTC News Quote: “A combination of healthy lifestyle behaviors is tied to substantially lower risk for developing Alzheimer’s disease, finds a new study. … When compared to participants who followed only one or two of these behaviors [physical activity, not smoking, light-to-moderate alcohol consumption, a high-quality diet, and cognitive activities], risk was found to be 37% lower in participants who followed two to three behaviors. And risk was further reduced — by 60% — in those who reported adhering to at least four healthy lifestyle factors.” LTC Comment (from
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Categories: Clippings, Industry News, and Long-Term Care.

“Why the coronavirus has taken so many lives in US nursing homes”

June 23, 2020 | by | Comments Off on “Why the coronavirus has taken so many lives in US nursing homes”

“Why the coronavirus has taken so many lives in US nursing homes,” by Dylan Scott, Vox Quote: “America has done a poor job funding and overseeing long-term care for decades, and there had not been adequate emergency planning for a crisis like the US is experiencing now with the coronavirus. And once the virus got here, the lack of a national strategy to ramp up Covid-19 testing in nursing homes and to provide protective equipment to staff made it easier for the virus to spread in these densely populated settings. Some state-level policy decisions, particularly to transfer recently recovered Covid-19
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Categories: Clippings, COVID-19, Industry News, and Long-Term Care.

EssentialLTC now available in CA and new rate calculator launched

June 22, 2020 | by | Comments Off on EssentialLTC now available in CA and new rate calculator launched

EssentialLTC available in California The National Guardian Life Insurance Company (NGL) EssentialLTC Long Term Care insurance product is now available in California effective July 6, 2020. Click here to read the complete news release. “The comprehensive features available with NGL’s long term care product offer the residents of California another Long Term Care insurance option as they evaluate their coverage needs. Including an affordable Long Term Care insurance policy in their financial planning portfolio can provide peace of mind and help to protect families against the financial and emotional consequences of a long term care event,” said Joe Guyotte, NGL
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Categories: Industry News, Long-Term Care, and National Guardian Life.
Tags: EssentialLTC, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, and NGL.

LTC Issue Age Restriction Lifted in Select States

June 22, 2020 | by | Comments Off on LTC Issue Age Restriction Lifted in Select States

As the stay-at-home orders begin to lift and local businesses start to reopen, we are happy to announce that Mutual of Omaha is also lifting some restrictions on LTC applications where the ability to obtain face-to-face interviews has improved. With this good news, beginning June 15, 2020, Mutual of Omaha will accept LTC applications for clients age 65 and over in the following states: Alabama, Alaska, Arizona, Arkansas, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Iowa, Kansas, Louisiana, Maryland, Mississippi, Missouri, Montana, Nebraska, Nevada, North Dakota, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, West Virginia, Wisconsin and Wyoming. We
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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
Tags: Coronavirus, COVID-19, interview, Long-Term Care, long-term care insurance, LTC, LTCi, mutual of omaha, omaha, pandemic, Underwriting Guide, underwriting guidelines, Underwriting', and virus.

Updated LTC Underwriting Guide

June 22, 2020 | by | Comments Off on Updated LTC Underwriting Guide

Announced in our select state age restriction lift communication, our process for face-to-face assessments has changed. Please see pages 57-58 for the detailed information:   If you have any questions, please contact Mutual of Omaha’s Sales Support at (800) 693-6083 or e-mail sales.support@mutualofomaha.com.   Updated LTC Underwriting Guide   #goldencareagent #mutualofomaha
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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
Tags: interview, Long-Term Care, long-term care insurance, LTC, LTCi, mutual of omaha, omaha, Underwriting Guide, underwriting guidelines, and Underwriting'.

Updated Next Steps Flyer

June 22, 2020 | by | Comments Off on Updated Next Steps Flyer

Your client has applied for a LTCi insurance policy and you want them to be aware of what will happen next before they can be approved for coverage. Use this Next Steps Flyer to go over what to expect in the LTCi application process with your clients, including when to expect a face-to-face assessment will be scheduled.   If you have any questions, please contact Mutual of Omaha’s Sales Support at (800) 693-6083 or e-mail sales.support@mutualofomaha.com.   Updated Next Steps Flyer   #goldencareagent #mutualofomaha
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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
Tags: interview, Long-Term Care, long-term care insurance, LTC, LTCi, mutual of omaha, omaha, and Underwriting'.

New Mexico requires “Coverage Options Flyer” | Updated Marketing Materials

June 22, 2020 | by | Comments Off on New Mexico requires “Coverage Options Flyer” | Updated Marketing Materials

New Mexico requires “Coverage Options Flyer” The state of New Mexico recently adopted a requirement for agents to provide the “Coverage Options Flyer” to all New Mexico applicants at time of application. The Coverage Options Flyer is available on the EssentialLTC Agent Resource Center under the New Mexico application documents. This can be accessed by selecting the “New Business” tab, then selecting the state of New Mexico from the “State-Specific Applications and Forms” drop down. You can alsoclick here to download the flyer. Updated marketing materials The Executive Carve Out flyer details benefits and advantages to implementing an executive carve
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Categories: Industry News, Long-Term Care, and National Guardian Life.
Tags: EssentialLTC, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, and NGL.

Good News | Take A Look! We’ve Improved Our Agent Website Training Pages

June 18, 2020 | by | Comments Off on Good News | Take A Look! We’ve Improved Our Agent Website Training Pages

  Refreshed, Modern Look To Our Website’s Training Pages We have heard your feedback and are pleased to announce enhancements to the training pages on our goldencareagent.com website! We’ve launched a new layout to improve functionality and ease of use, while incorporating an updated, modern design. We hope these changes allow you to more easily find and take advantage of our various training resources. Visit the site using the links below and let us know what you think! Upcoming Live Webinar Training Presentations Pre-Recorded Training Library Have a webinar topic you’d like covered? Send us your suggestions!   Join a
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Categories: GoldenCare News, Industry News, and Long-Term Care.

You’re Invited – Exclusive Training on GTL’s Heritage Plan

June 18, 2020 | by | Comments Off on You’re Invited – Exclusive Training on GTL’s Heritage Plan

Help Protect Your Client’s Loved Ones Does your client have a plan in place to help pay for their final expenses? Who will pay medical bills, unpaid credit card balances or funeral/burial expenses? Reserve Your Seat Now – Space Is Limited Click below to register: Tues, June 23, 2020 10:00 AM  to  10:45 AM CDT Attend for exclusive Heritage Plan product training with special guest, Greg Esposito from Guarantee Trust Life. Heritage Plan requires no medical exam, and utilizes a simple application. Whole life insurance accumulates cash value, plus premiums never increase! GTL’s Heritage Plan is available in all states
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Categories: GoldenCare News, Guarantee Trust Life, Industry News, and Long-Term Care.