GoldenCare Newsletter | October 22, 2019

In this GoldenCare Newsletter Edition Read Full GoldenCare Newsletter, October 22, 2019 Edition   From GoldenCare:   Indiana Agents:  Your invited!  Thursday! Join us for a complimentary Dynamic Sales Workshop at the Hilton Garden Inn See Full Invitation and Reserve Your Seat   Diversify your portfolio for greater sales success! Join us for product and sales live and prerecorded training.  Stay up-to-date on all the latest and greatest in the industry.    For a list of current topics and to get in on the discussion Click Here. Update Your Contracts LTCCEO Updates: Be sure you’ve got the latest version!  Double click
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Categories: GoldenCare News, Guarantee Trust Life, Industry News, Long-Term Care, Mutual of Omaha (& Affiliates), National Guardian Life, and Securian.

Committed to Income Protection Since 1910

Disability income insurance should be considered primary in the asset protection market. It should always be on a producer’s mind when it comes to sound financial planning. Use this handy fact finder tool when visiting with clients to help ask the right questions and uncover the need for disability income insurance. View the Disability Income Insurance Fact Finder byclicking here or by clicking the image to the left.   Committed to Income Protection Since 1910   #goldencareagent #mutualofomaha
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Categories: Disability Income Insurance, Industry News, and Mutual of Omaha (& Affiliates).

Turn DI Objections into Sales

Whether you’re a new or seasoned producer selling disability income insurance you should be aware of reasons people think they don’t need this essential coverage. The key is to be prepared for anything a prospective client might say. Objection: “Nothing will happen to me. I don’t need DI.” It’s probably human nature to think like this. However, clients who raise this objection simply are not facing reality of losing their income. If your client missed three months’ worth of income, how would they pay their expenses? As an insurance professional looking out for your client’s best interests, it’s your job
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Categories: Disability Income Insurance, Industry News, and Mutual of Omaha (& Affiliates).

Holiday Telephone Solicitation Bans for the Month of November 2019

Please be aware of the following holidays requiring a holiday telephone solicitation ban for the month of November. On Friday, November 1, 2019: Louisiana prohibits unsolicited marketing calls to residents in observance of All Saints’ Day On Monday, November 11, 2019: Alabama, Louisiana, Mississippi, Rhode Island and Utah prohibit unsolicited marketing calls to residents in observance of Veterans’ Day On Thursday, November 28, 2019: Alabama, Louisiana, Mississippi, Rhode Island and Utah prohibit unsolicited marketing calls to residents in observance of Thanksgiving On Friday, November 29, 2019: Louisiana prohibits unsolicited marketing calls to residents in observance of Acadian Day Holiday Telephone
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Categories: Industry News and Mutual of Omaha (& Affiliates).

Medicare News – Omaha Family of Companies

Medicare Supplement: Upcoming Med Supp Rate Adjustments Please view the upcoming Med supp rate adjustments in KY, LA and MO.   Upcoming Med Supp Rate Adjustments Please view the upcoming Med supp rate adjustments in GA, MT and NM.   November Modernized Rate Release Please view the upcoming November Modernized Rate Release in KS, MT, NY, and OR.   2019 Marketing Credits Redemption Deadline November 30, 2019 deadline for reimbursement of 2019 marketing credits.   Mutually Well- Marketing Materials Available Mutually Well consumer flier now available in several states.   Medicare Advantage and Prescription Drug Plans: 2020 CMS Plan Finder
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Categories: Industry News, Medicare Supp./Adv., and Mutual of Omaha (& Affiliates).

Rate Adjustments Effective January 2020

Long-Term Care insurance (LTCi) is a core product for Mutual of Omaha, and we intend to remain a key player in this market for years to come. To fulfill this commitment, we actively monitor emerging industry trends and make any adjustments necessary that enable us to keep our promises to policyholders and remain competitive in the marketplace. For this reason, we will be implementing the following rate adjustments effective January 1, 2020: Block of Business Impacted States LTC04G Delaware, West Virginia LTC04I Delaware, District of Columbia LTC06UI Alaska, District of Columbia, Mississippi, North Dakota, West Virginia   For a complete
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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).

Advance Notice: End of Year Pay Schedule

As the holiday season quickly approaches, it’s easy to forget important dates with all the hustle and bustle. That’s why we are giving you early notice of our key end of year pay dates. Take a look and keep a copy with you to ensure you have the right dates. Mutual of Omaha and its affiliates (United of Omaha and United World) will be closed on the following days: Thanksgiving: Thursday, November 28, 2019 and Friday, November 29, 2019 Christmas: Wednesday, December 25, 2019 New Year’s Day: Wednesday, January 1, 2020 The past pay cutoff in 2019 for Life is
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Categories: Critical Illness, Disability Income Insurance, Industry News, Life Insurance, Long-Term Care, Medicare Supp./Adv., and Mutual of Omaha (& Affiliates).

Disability Income Conversation Starters

One of the biggest mistakes some producers can make when selling disability income insurance is trying to sell the product. Instead, focus on the need. To connect with your clients (and make sales) help them understand the need of income protection and how disability income can help mitigate the consequences of the unexpected. Here are some ways to do this: Use a question to start the conversation. To the convey the need to your client, you need to understand their motivation. Ask questions like: What is important to you? What are your dreams and goals? How do you spend your
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Categories: Disability Income Insurance, Industry News, and Mutual of Omaha (& Affiliates).

MutualCare Solutions Portfolio (LTC13) E-App Enhancements

Effective October 12, 2019, MutualCare Solutions (LTC13) applications submitted using the e-application platform through Paperless Solutions Group will now feature an automatic submit process after both the producer and client have signed. During the email signature process If the client signs first, an email will be sent to the producer and marketer that the client signatures are complete. The producer will then need to sign the application and once complete, the application will automatically submit If the producer signs first, an email will be sent to the client to complete their signature. Once the client signs the application, it will
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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).

Critical Advantage Portfolio E-App Enhancements

Effective October 12, 2019, Critical Advantage applications submitted using the e-application platform through Paperless Solutions Group will now feature an automatic submit process after both the producer and client have signed. During the email signature process If the client signs first, an email will be sent to the producer and marketer that the client signatures are complete. The producer will then need to sign the application and once complete, the application will automatically submit If the producer signs first, an email will be sent to the client to complete their signature. Once the client signs the application, it will be
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Categories: Critical Illness, Industry News, and Mutual of Omaha (& Affiliates).