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Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:4'> <td width=170 valign=top style='width:120.0pt;border-top:none;border-left: solid #969696 1.0pt;border-bottom:none;border-right:solid #969696 1.0pt; mso-border-left-alt:solid #969696 .75pt;mso-border-right-alt:solid #969696 .75pt; background:white;padding:0in 2.25pt 0in 2.25pt'> <p class=MsoNormal align=center style='text-align:center'><strong><span style='font-size:12.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman";mso-bidi-font-family:Calibri'>April 20, 2020</span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:2.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:2.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55186.1.e1c680b51cfa081d26be8d7e5d3caf83" target="_blank">Update Your Contracts</a><br> OR<br> <a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55187.1.61eafbdb329cf6d1c5fa595b6e4397f7" target="_blank">Appoint With All Of<br> The Top Carriers</a></span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:2.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:2.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>The &quot;Industry Best&quot; illustration software for </span><strong><span style='font-size:10.0pt; font-family:"Lato",sans-serif;mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:Calibri'>Custom &amp; Secure Solution</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> was recently updated to:</span><span style='mso-fareast-font-family: "Times New Roman"'><br> </span><strong><i><span style='font-size:12.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'>Version 3.62.0.0</span></i></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:3.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55188.1.235aa237f20edcfe25c8771676c7baee" target="_blank">Click Here to download</a></span><span style='mso-fareast-font-family: "Times New Roman"'><br> </span><span style='font-size:2.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:2.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> <img border=0 id="_x0000_i1034" src="https://goldencareagent.com/docs/images/GCR-GiftSeal_145x101.gif"></span><span style='font-size:3.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Remember, EVERYONE attending any of the webinars on our calendar will earn </span><em><span style='font-size: 10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:Calibri'>AT LEAST</span></em><span style='font-size: 10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'>50 GoldenCare Reward Points!*</span></strong><span style='mso-fareast-font-family: "Times New Roman"'><br> </span><span style='font-size:3.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><u><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>PLUS</span></u><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>... one lucky attendee of each webinar will earn 500 Points!</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:3.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:7.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55189.1.e09c49531132b3d0c164ab3c3cdfd513" target="_blank">What Are GoldenCare Rewards?</a></span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>*&nbsp;</span><span style='font-size:7.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>Limit 1 Reward Code Per Unique Training Event. Points Are Subject To Change.&nbsp; Restrictions May Apply.&nbsp; Visit <a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55190.1.e42812399d56b46e135d570066dc1df7" target="_blank">http://www.goldencarerewards.com/</a> For Details.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:2.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:2.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='width:120.75pt;mso-cellspacing:0in;background:#1A4C8A;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0in 0in 0in 0in;border-color:currentcolor;word-spacing: 0pt'> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:12.0pt;font-family:"Cabin",sans-serif;mso-fareast-font-family: "Times New Roman";color:white'>Current GoldenCare Promotions:</span></b><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:5.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><em><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'>Check back soon!</span></em><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:3.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:2.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri; color:#00B2CC'>REMINDER:</span></strong><strong><span style='font-size:10.0pt; font-family:"Lato",sans-serif;mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:Calibri'> Partnership Certification and 4-Hour Refresher</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'><br> </span><span style='font-size:3.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><br> Currently writing Long-Term Care insurance? Be certain you are compliant on Partnership Certification training </span><em><u><span style='font-size:10.0pt; font-family:"Lato",sans-serif;mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:Calibri'>prior to taking an application</span></u></em><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>!<br> </span><span style='font-size:3.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55191.1.113d62a3b8a6c99f1032daad4b6be04b" target="_blank">Click Here for Mutual of Omaha's Partnership Training guide</a></span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'><br> </span><span style='font-size:3.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><br> Note: Training requirements may differ among various LTCi carriers.<br> </span><span style='font-size:3.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><br> If you have any questions or need to verify compliance, call our Licensing Team at 800-842-7799!<br> </span><span style='font-size:2.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:2.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;background:#00B2CC;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0in 0in 0in 0in;border-color:currentcolor;word-spacing: 0pt'> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:12.0pt;font-family:"Cabin",sans-serif;mso-fareast-font-family: "Times New Roman";color:white'>Guest Article:</span></b><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:3.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'>&quot;How Much More Than Medicare Do Private Insurers Pay? A Review of the Literature,&quot; by Eric Lopez, Tricia Neuman , Gretchen Jacobson, and Larry Levitt, </span></strong><em><b><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: Calibri'>Kaiser Family Foundation</span></b></em><span style='font-size:10.0pt; font-family:"Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:8.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><br> &quot;</span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'>Key Findings</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:2.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><br> " Private insurers paid nearly double Medicare rates for all hospital services (199% of Medicare rates, on average), ranging from 141% to 259% of Medicare rates across the reviewed studies.<br> </span><span style='font-size:2.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><br> " The difference between private and Medicare rates was greater for outpatient than inpatient hospital services, which averaged 264% and 189% of Medicare rates overall, respectively.<br> </span><span style='font-size:2.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><br> " For physician services, private insurance paid 143% of Medicare rates, on average, ranging from 118% to 179% of Medicare rates across studies.&quot; <br> </span><span style='font-size:8.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'>LTC Comment</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'> (</span><em><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman";mso-bidi-font-family:Calibri'>from Stephen A. Moses, President, Center for Long-Term Care Reform</span></em><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>):<br> What would the consequences be of dragging the entire health system down to Medicare s level?<br> </span><span style='font-size:3.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><br> <a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55192.1.2200b5f42b32ba95e3af20916029ab53" target="_blank">Click Here</a> to read the entire article.<br> </span><span style='font-size:2.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:2.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;background:#72D0B6;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0in 0in 0in 0in;border-color:currentcolor;word-spacing: 0pt'> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:12.0pt;font-family:"Cabin",sans-serif;mso-fareast-font-family: "Times New Roman";color:white'>Want More News?</span></b><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:3.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><br> Check out our website, <a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55193.1.53f1b858eff419c1a83d5868248ec07b" target="_blank">www.goldencareagent.com</a> and visit the News tab to keep up-to-date on the Industry's News and Changes.<br> </span><span style='font-size:2.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:2.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;background:#1A4C8A;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0in 0in 0in 0in;border-color:currentcolor;word-spacing: 0pt'> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:12.0pt;font-family:"Cabin",sans-serif;mso-fareast-font-family: "Times New Roman";color:white'>Previous Issues:</span></b><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:6.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='width:112.5pt;mso-cellspacing:0in;background:white;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='border:solid #72D0B6 1.5pt;padding:0in 0in 0in 0in;word-spacing: 0pt'> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:4.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='width:108.75pt;mso-cellspacing:0in;mso-yfti-tbllook:1184; mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=145 style='width:108.75pt;padding:0in 0in 0in 7.5pt;border-color: currentcolor'> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: Calibri'>" &nbsp;</span></strong><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'> <a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55194.1.99662e8fa57270f95ce6ada58b587a73" target="_blank">April 6, 2020</a><br> </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'>" &nbsp;</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> <a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55195.1.5068a15c8124766a5f87ea5c0f349515" target="_blank">March 23, 2020</a><br> </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'>" &nbsp;</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> <a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55196.1.823f875b3a060b6cf7ad336d7450957d" target="_blank">March 9, 2020</a><br> </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'>" &nbsp;</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> <a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55197.1.5264ef474127e68217766b51b403a0e9" target="_blank">February 17, 2020</a><br> </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'>" &nbsp;</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> <a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55198.1.f14e9c2bba88b5cb9139d3e718138067" target="_blank">February 3, 2020</a><br> </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'>" &nbsp;</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> <a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55199.1.4cb6b86fcdcd41d9e0f623f2dcb81ddb" target="_blank">January 20, 2020</a></span><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:2.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'> <o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal align=center style='margin-bottom:12.0pt;text-align:center'><span style='font-size:2.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]></span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> <td width=484 valign=top style='width:5.0in;border-top:none;border-left:solid #969696 1.0pt; border-bottom:none;border-right:solid #969696 1.0pt;mso-border-left-alt:solid #969696 .75pt; mso-border-right-alt:solid #969696 .75pt;background:white;padding:0in 0in 0in 4.5pt; border-color:currentcolor;word-spacing:0pt'> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='width:355.5pt;mso-cellspacing:0in;background:#1A4C8A;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0in 0in 0in 6.0pt'> <p class=MsoNormal><b><span style='font-size:12.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";color:white'>Online Agent Training &quot;Webinar&quot; Presentations:</span></b><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:6.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='width:354.75pt;mso-cellspacing:0in;background:white;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='border:solid #82D1B5 1.5pt;padding:0in 0in 0in 0in;word-spacing: 0pt'> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:2.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <p class=MsoNormal align=center style='text-align:center'><strong><span style='font-size:14.0pt;font-family:"Cabin",sans-serif;mso-fareast-font-family: "Times New Roman";mso-bidi-font-family:Calibri;color:#1A4C8A'>For The Week Of April 20, 2020</span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Click on the subject heading to learn more about the topic.<br> Click the date/time to register for the presentation.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:6.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=3 cellpadding=0 width=0 style='width:351.0pt;mso-cellspacing:1.5pt;mso-yfti-tbllook:1184; mso-padding-alt:0in 5.4pt 0in 5.4pt'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=163 style='width:120.0pt;padding:.75pt .75pt .75pt .75pt; border-color:currentcolor;word-spacing:0pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'><img border=0 id="_x0000_i1040" src="https://goldencareagent.com/docs/images/eb-Aetna-vs-GTL_150x49.jpg"><o:p></o:p></span></p> </td> <td width=305 style='width:231.0pt;padding:.75pt .75pt .75pt 0in; border-color:currentcolor;word-spacing:0pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55200.1.2a1553499fc6e4af148d7c26609b518c" target="_blank"><b><i><span style='font-size:12.0pt;font-family:"Lato",sans-serif'>NEW!! Aetna's Recovery Care vs GTL's Recover Cash</span></i></b></a><br> </span><span style='font-size:3.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55201.1.fd0a22cfd24d4f1af3e3dbbe866de900" target="_blank">Wed, Apr 22, 2020 11:00 AM&nbsp; to&nbsp; 11:30 AM CDT</a></span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:6.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><em><span style='font-size:8.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'>Please check to see that you meet the minimum system requirements and that you have the</span></em><i><span style='font-size:8.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'><br> </span></i><em><span style='font-size:8.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'>equipment needed to attend before downloading the latest version of GoToWebinar.</span></em><i><span style='font-size:8.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'><br> </span></i><em><span style='font-size:8.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55202.1.b18b3382d3bcbe345eac5b9777cd4820" target="_blank">Click Here</a> for more information.</span></em><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:12.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55203.1.3f112450307c79e75c8be1e517cd5e59" target="_blank">Click Here</a> for the Full Schedule of All Upcoming Webinars.<br> Or <a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55204.1.c1d25de4eee88d5df54a88a56a675118" target="_blank">Click Here</a> to Access a List Of All Our Agent Training Services!</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:3.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:18.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='width:355.5pt;mso-cellspacing:0in;background:#00B2CC;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0in 0in 0in 6.0pt;border-color:currentcolor;word-spacing: 0pt'> <p class=MsoNormal><b><span style='font-size:12.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";color:white'>Compliance:</span></b><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:6.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='width:355.5pt;mso-cellspacing:0in;background:white;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='border:solid #82D1B5 1.5pt;padding:0in 0in 0in 6.0pt;word-spacing: 0pt'> <p class=MsoNormal><span style='font-size:4.0pt;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>No Current News In The Issue...</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:18.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='width:355.5pt;mso-cellspacing:0in;background:#82D1B5;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0in 0in 0in 6.0pt;border-color:currentcolor;word-spacing: 0pt'> <p class=MsoNormal><b><span style='font-size:12.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";color:white'>Industry Updates:</span></b><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:6.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='width:355.5pt;mso-cellspacing:0in;background:white;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='border:solid #82D1B5 1.5pt;padding:0in 0in 0in 6.0pt;word-spacing: 0pt'> <p class=MsoNormal><span style='font-size:4.0pt;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 align=left width=0 style='width:97.5pt;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-table-lspace:2.25pt;margin-left:.45pt;mso-table-rspace:2.25pt; margin-right:.45pt;mso-table-anchor-vertical:paragraph;mso-table-anchor-horizontal: column;mso-table-left:left;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=130 style='width:103.5pt;padding:0in 0in 0in 0in;border-color: currentcolor'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><img border=0 id="_x0000_i1041" src="https://goldencareagent.com/docs/images/eb-MOOLogo1_122x81.gif"><o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55205.1.0889faa0d8e96dbcb1a1afface94efcc" target="_blank">Important LTC Underwriting Update</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Effective </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman";mso-bidi-font-family:Calibri'>Thursday, April 16, 2020</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>, we are implementing a </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman";mso-bidi-font-family:Calibri'>temporary</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> change. We will not be accepting LTC applications for individuals age 65 and older. All LTC cases not already approved or issued will be postponed and processed as an incomplete application.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:1.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55206.1.17613ba0b79245ca3ba403747516dc10" target="_blank">LTC Underwriting Issue Age FAQ</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>We have received questions regarding our temporary underwriting guideline changes effective April 16, 2020. In response, we have developed a Frequently Asked Questions document.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:1.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55207.1.04f12d69f3daef666332781b119d59d5" target="_blank">LTC e-Application Training Video</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Producers who have used the LTC e-App agree it s the easiest way to submit LTC applications. Read on to learn the advantages of the LTCi e-App.</span><span style='mso-fareast-font-family: "Times New Roman"'><br> </span><span style='font-size:1.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55208.1.1ae3e5a635f4b2cc57f16bef6d5e53b8" target="_blank">Using Inflation Protection to Reach Desired Premium</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>The cost of everything from gas to groceries is certain to be higher down the road. The same is true for long-term care services. That s an important reason to recommend your clients purchase a long-term care policy and that they include an inflation protection rider for an added measure of security.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:1.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55209.1.6d5634f09b27095ecf8632d1bf93d047" target="_blank">Prospecting Material Can Help You Reach Your Clients</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Personalized prospecting materials are available for ordering with your contact information so clients can contact you directly to help them with the coverage they need. Click the links within the announcement to see the all prospecting material available.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:1.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55210.1.ca63e4c7bd7e2a27b84b4ccccac731cb" target="_blank">Important information from Distribution Compensation</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Effective immediately, if you need to contact broker compensation for any reason, please call 1-800-475-4465 or email <a href="mailto:broker.compensation@mutualofomaha.com">broker.compensation@mutualofomaha.com</a>. </span><em><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'>We are no longer able to receive or process any faxes.</span></em><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:1.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55211.1.9e87a442e517fb8bad26b17360cf302e" target="_blank">Email Address on Submitted Applications</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Please fill-out your client s applications completely before submitting for all Mutual of Omaha products. This includes capturing the customer s email address.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:1.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55212.1.4b9a218a12b19335f1630316b26d936a" target="_blank">Important Life Underwriting Update</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Effective </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman";mso-bidi-font-family:Calibri'>Wednesday, April 15, 2020</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>, we are implementing temporary postponements due to international travel, and postponements due to insured's issue age for life insurance underwriting. These changes apply to all fully-underwritten life insurance cases that are not already approved or issued. This includes any newly submitted and pending in-house cases, whether formal or informal.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:1.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55213.1.4f8a37e72e1946b5a37dafae7cc1d73e" target="_blank">IUL Express Keeps Getting Faster  For Apps and Illustrations</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Allowing the signing and submission of IUL Express paper applications electronically has had a substantial impact on how quickly the application process occurs. And this week we ve unveiled a new technology improvement in WinFlex Web that will make your IUL Express illustrations run significantly faster.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:1.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55214.1.876e618ca8696a7e2d83b8044ac690e4" target="_blank">Automated Underwriting  Our Instant Decision Solution</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Term Life Express and Living Promise Whole Life Insurance require no medical exam and only a few health questions. Omaha's instant decision solution provides you an underwriting decision in minutes, if not seconds, while you are completing the application with your client.</span><span style='mso-fareast-font-family: "Times New Roman"'><br> </span><span style='font-size:1.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55215.1.63a8455ba4eb11264abbd336ed477495" target="_blank">Life Underwriting Updates: Accelerated Underwriting and Statements of Good Health</a></span></strong><span style='mso-fareast-font-family: "Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Effective immediately, the maximum face amount limit is increasing to $2 million for United of Omaha's Accelerated Underwriting Program for Life Insurance. And Fully Underwritten Life products will require a signed Statement of Good Health from the customer.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:1.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55216.1.291e896380ae5ba5a28acaf87d0042de" target="_blank">NEW IUL Express Electronic Submission Training Videos</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>To help you transition to the new electronic submission process for applications, we created two new producer training videos.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:1.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55217.1.656aedea4e4a99128e540345e261a4a3" target="_blank">Important Information on DI, CI and AD Policy Output Procedures</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>It is increasingly difficult to know which of our distribution partners have the ability to maintain back office support for policy receipt and delivery. Therefore, </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman";mso-bidi-font-family:Calibri'>as an interim solution</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>, we will begin mailing all Disability, Critical Illness and Accidental Death insurance policies direct to our customers effective April 11, 2020.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:1.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55218.1.800bc83f4f43137ae2cdbeed2116c916" target="_blank">See How Life Protection Advantage IUL Compares</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Count on United of Omaha to help clients get the protection they need, premiums that are competitive  and extras that help set this product apart.</span><span style='mso-fareast-font-family: "Times New Roman"'><br> </span><span style='font-size:1.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55219.1.59f92754ccdec7f479c250d1b671cd38" target="_blank">Increased Simplified Underwriting Amounts for Disability Income</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Effective immediately, Mutual of Omaha is increasing the maximum monthly benefit from $3,000 to $6,000 on simplified underwriting of the individual DI.</span><span style='mso-fareast-font-family: "Times New Roman"'><br> </span><span style='font-size:1.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55220.1.dba8b124d442b2597dedf69854e53836" target="_blank">Protecting One s Largest Investment</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>By providing up to $4,000 in monthly disability income insurance benefits, it s perfect for middle-income clients. And an easy quote e-application, the application process couldn t be simpler.</span><span style='mso-fareast-font-family: "Times New Roman"'><br> </span><span style='font-size:1.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55221.1.c49ded113170d708a18ee94218fb6c2f" target="_blank">Quick and Easy Underwriting with Critical Advantage</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Did you know your clients may be eligible for coverage even if they have been diagnosed in the past for cancer, heart attack or stroke? Check out the great underwriting features for all the Critical Advantage products.</span><span style='mso-fareast-font-family: "Times New Roman"'><br> </span><span style='font-size:2.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:6.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='width:355.5pt;mso-cellspacing:0in;background:white;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='border:solid #82D1B5 1.5pt;padding:0in 0in 0in 6.0pt;word-spacing: 0pt'> <p class=MsoNormal><span style='font-size:4.0pt;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 align=left width=0 style='width:120.0pt;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-table-lspace:2.25pt;margin-left:.45pt;mso-table-rspace:2.25pt; margin-right:.45pt;mso-table-anchor-vertical:paragraph;mso-table-anchor-horizontal: column;mso-table-left:left;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=160 style='width:120.0pt;padding:0in 0in 0in 0in;border-color: currentcolor'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><img border=0 id="_x0000_i1058" src="https://goldencareagent.com/docs/images/eb-GTL-Logo_152x40.gif" alt="Mutual of Omaha Logo"><o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55222.1.b3a1f095dfb5b0059748bab6ce62bf2f" target="_blank">Important Message For Our Customers (COVID-19)</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>As you might imagine, the past couple weeks have been very eventful at Guarantee Trust. We have lots of moving pieces and heightened levels of activity to support a very thorough plan of operations. We have done a truly good job at shifting the entire way we work in a very short period of time.</span><span style='mso-fareast-font-family: "Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>We will provide you updates as appropriate but please know we are open for business and look forward to serving your interests and those of your clients.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:1.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55223.1.e01f21f0a19c21fe2e37e1e38504bdc8" target="_blank">Emergency Grace Period Information</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'>Emergency Billing Grace Periods for Non-Payment of Premium May Be Extended</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'><br> To assist policy owners experiencing hardship as a result of the COVID-19 health emergency, GTL is committed to keeping policies in force and extending the timeframes to pay overdue premium in accordance with state regulations.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>GTL's website will be updated regularly and will provide information on time extensions that have been granted by the agency regulating insurance in your state. States which currently have time extensions and /or other provisional allowances are listed.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:1.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55224.1.57e829abd6fb5157860951df28553566" target="_blank">New Advantage Plus Presentation Now Available</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>GTL has developed a short presentation to help assist you in selling Advantage Plus during your client presentations! This 16 slide presentation was made to easily work with video conferencing and screen sharing programs such as Zoom or Skype for your clients to follow along.</span><span style='mso-fareast-font-family: "Times New Roman"'><br> </span><span style='font-size:2.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:6.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='width:355.5pt;mso-cellspacing:0in;background:white;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='border:solid #82D1B5 1.5pt;padding:0in 0in 0in 6.0pt;word-spacing: 0pt'> <p class=MsoNormal><span style='font-size:4.0pt;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 align=left width=0 style='width:120.0pt;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-table-lspace:2.25pt;margin-left:.45pt;mso-table-rspace:2.25pt; margin-right:.45pt;mso-table-anchor-vertical:paragraph;mso-table-anchor-horizontal: column;mso-table-left:left;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=160 style='width:120.0pt;padding:0in 0in 0in 0in;border-color: currentcolor'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><img border=0 id="_x0000_i1061" src="https://goldencareagent.com/docs/images/eb-NGL-2020Logo-color_152x44.jpg" alt="NGL Logo"><o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55225.1.f5a1b1943964baa6d2bb2ae06093d3e7" target="_blank">New Partnership policy states and updated marketing materials</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'>EssentialLTC now available as Partnership policy in four additional states</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'><br> We are pleased to announce effective April 17, 2020, National Guardian Life Insurance Company's (NGL) EssentialLTC is now available as a Partnership policy in Maryland, New Mexico, Pennsylvania and Virginia.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Click above for more information and a list of new or additional application forms required for these states. The forms for each state will be available on the Agent Resource Center on Friday, April 17.</span><span style='mso-fareast-font-family: "Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'>Updated marketing materials</span></strong><span style='font-size:10.0pt; font-family:"Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><br> Newly updated marketing materials are now available and ready for you to download from the Agent Resource Center. We will continue to share materials as new ones are created or existing ones are updated with the new NGL logo.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:2.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:6.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='width:355.5pt;mso-cellspacing:0in;background:white;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='border:solid #82D1B5 1.5pt;padding:0in 0in 0in 6.0pt;word-spacing: 0pt'> <p class=MsoNormal><span style='font-size:4.0pt;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 align=left width=0 style='width:120.0pt;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-table-lspace:2.25pt;margin-left:.45pt;mso-table-rspace:2.25pt; margin-right:.45pt;mso-table-anchor-vertical:paragraph;mso-table-anchor-horizontal: column;mso-table-left:left;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=160 style='width:120.0pt;padding:0in 0in 0in 0in;border-color: currentcolor'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><img border=0 id="_x0000_i1062" src="https://goldencareagent.com/docs/images/eb-Thrivent-Logo_152x39.jpg" alt="Thrivent Logo"><o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55226.1.f7148027578079fcf7650b6db7125c5c" target="_blank">Thrivent's LTC e-App just got better!</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'>Zoom's remote-control function for iPipeline eApp</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>  Following certain conditions, Thrivent will now allow the use of Zoom s remote-control functionality for use with new business electronic applications. This enables a process similar to the applicant signing in person.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:2.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:18.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='width:355.5pt;mso-cellspacing:0in;background:#1A4C8A;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0in 0in 0in 6.0pt;border-color:currentcolor;word-spacing: 0pt'> <p class=MsoNormal><b><span style='font-size:12.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";color:white'>Medicare News - Mutual of Omaha and Affiliates:</span></b><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:6.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='width:355.5pt;mso-cellspacing:0in;background:white;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='border:solid #82D1B5 1.5pt;padding:0in 0in 0in 6.0pt;word-spacing: 0pt'> <p class=MsoNormal><span style='font-size:4.0pt;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55227.1.184c01d8ad1a4ba0e747cd73209e930d" target="_blank">Upcoming Rate Adjustments</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>View upcoming Rate Adjustments.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55228.1.4d59ec1714a25f9642b008d93d00257c" target="_blank">2020 Med Supp Buyer s Guide</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>You may begin ordering the 2020 Med supp Buyer's Guide on Monday, April 13.</span><span style='mso-fareast-font-family: "Times New Roman"'><br> </span><span style='font-size:4.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55229.1.43f82b5ffe4ae3e5281dfd4a4ebd3c25" target="_blank">Operating Business in the New Environment</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Mutual has solutions to help you adapt to the new normal in the time of social distancing.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55230.1.0acc49b1ce9a2b13a5fd7437b8f10b98" target="_blank">Change in Policy Output Delivery</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>In response to the Covid-19 virus and its impact to businesses, effective April 10 Mutual of Omaha will begin mailing all Medicare supplement and dental insurance policies direct to customers.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55231.1.d73a5f7595c0a5e94e346ff132a25c14" target="_blank">Upcoming Rate Adjustments</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>View upcoming Med supp rate adjustments in Connecticut, Missouri and Nebraska.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55232.1.53b5ca3126810ecb3c6f09fde64b3840" target="_blank">May Rate Releases</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>View new Med supp rates effective May 1, 2020 in Colorado, Florida and Maryland.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55233.1.2b932365821a5200fe1744bcd5edd103" target="_blank">2020 Marketing Credits Program</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Learn how you can earn credits to pay for business expenses that help build your Medicare supplement and dental business.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'><a href="http://www.goldencareagentmail.com/c/45290?id=3736336.55234.1.061e2fe6e4942457c5ce2bb0f4de5f3c" target="_blank">Policyholder Rerate Letter Update</a></span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Medicare supplement policyholder rerate letters now provide for customer service contact for individuals impacted by Covid-19 to discuss their premium payment options.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:6.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:5'> <td width=654 colspan=2 style='width:480.0pt;background:#00B2CC;padding:0in 0in 0in 0in; border-color:currentcolor;min-height: 8px'> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:2.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:6'> <td width=654 colspan=2 style='width:480.0pt;background:#1A4C8A;padding:0in 0in 0in 0in; 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