With All Of
The Top Carriers
The "Industry Best"
illustration software for Custom
& Secure Solution was recently updated to:
Here to download
Remember, EVERYONE attending any
of the webinars on our calendar will earn AT
50 GoldenCare Reward
PLUS... one lucky attendee of each webinar will earn 500
What Are GoldenCare Rewards?
* Limit 1 Reward Code Per Unique Training Event. Points Are
Subject To Change. Restrictions May Apply. Visit http://www.goldencarerewards.com/
Current GoldenCare Promotions:
★ GTL Spring Promo
Avoid Delays & Returned LTCi
Remember to use 6Q on the MutualCare
Solutions Producer Statement to avoid commission problems. If you have made
other arrangements to use another commission code, please use accordingly.
For questions, or to verify the
code you're using is correct, please call 800-842-7799!
REMINDER: Partnership Certification and 4-Hour Refresher
For all LTCi agents who took their initial 8-Hour Partnership Certification
prior to April 2016:
Producer requirements for training continuation states:
refresher course must be completed every 2 years from the date the initial
training was completed."
Please be sure you have completed the necessary ongoing training before
submitting new long-term care business.
Here for each state's training requirements.
If you have any questions, please call Licensing at 800-842-7799!
Insurance Dilemma,” by Kimberly Lankford, Kiplinger's Personal Finance
“One of the most effective ways to protect your retirement savings from the
high price of assisted living, in-home care or a stay in a nursing home is a
long-term-care insurance policy. But recent premium hikes have many baby
boomers worried that coverage is no longer affordable.
“Don't drop your policy if you're faced with an increase; new coverage will
cost a lot more. Although Ashley's annual premiums increased by more than
75%, he's 19 years older and his daily benefit has grown by 5% a year. A new
policy for a 71-year-old with similar features and coverage would cost at
least $9,000 a year. If you can't afford the higher premiums, your insurer
will generally give you several options. For example, you may be able to
minimize the rate increase if you cut future inflation protection from 5% to
2.5% or 3%, says Claude Thau, an insurance consultant in Overland Park, Kan.”
(from Stephen A. Moses,
President, Center for Long-Term Care Reform):
This article offers level perspective and responsible advice regarding the
Click Here to read the entire article.
Check out our website, www.goldencareagent.com and visit the News tab to keep
up-to-date on the Industry's News and Changes.
Training "Webinar" Presentations:
For The Week Of April 9, 2018
Click on the subject heading to
learn more about the topic.
Click the date/time to register for the presentation.
At the time of the webinar,
remember to dial in to our conference line
PIN / access code 8754#)
in order to listen to the audio part of the presentation.
Please check to see that you
meet the minimum system requirements and that you have the
equipment needed to attend
before downloading the latest version of GoToWebinar.
Here for more information.
Here for the Full Schedule of All Upcoming Webinars.
Here to Access a List Of All Our Agent Training Services!
Indiana Severe Weather and Flooding
Indiana recently issued an
Emergency Bulletin, which impacts clients living in the following counties,
affected by the recent severe storms and heavy rains:
Benton, Carroll, Clark,
Crawford, Dearborn, Elkhart, Floyd, Fulton, Gibson, Harrison, Jackson,
Jasper, Jefferson, Kosciusko, LaGrange, LaPorte, Lake, Marshall, Newton,
Noble, Ohio, Perry, Porter, Posey, Pulaski, Spencer, St. Joseph, Starke,
Switzerland, Vanderburgh, Vermillion, Wabash, Warren, Warrick, and White
To assist our mutual individual
life and annuity clients living in these Indiana counties and to fully
comply with the Emergency Bulletin, we have implemented temporary changes
to our normal procedures. Click the link above for details.
Anti-Money Laundering (AML) Refresher Training
As required by federal
regulation, all producers writing permanent life or annuity products are
required to complete Anti-Money Laundering (AML) training on an on-going
basis. All producers who completed a LIMRA AML training course prior to
January 1, 2018 are required to complete the 2018 AML renewal training.
Click above to view the deadline and other details.
LTCi Claims Material Update
The claims paying ability at
Mutual of Omaha reflects our strong financial position. It means we can
keep our promises to your clients for many years to come.
The consumer claims piece has
been updated to show the most current claims information available. Showing
your clients our strong claims paying history may help feel more confident
in their decision to buy long-term care insurance.
Click here to see the most updated version of the
flyer. It is available through all normal ordering channels (not available
The Marketing Credits Program Just Got Better - More Ways
Marketing Credits can already be
earned for the LTCi and Medicare Supplement applications agents place with
Mutual of Omaha and its Affilates. Here's where it gets even better.
Mutual of Omaha now pays
marketing credits on many of the collateral products customers may need,
including Critical Illness, Cancer, Heart Attack/Stroke, and Priority
Income Protection® (Disability Income).
Try the LTC e-App on your next sale
Advisors who have used the LTC
e-App agree it’s the best way to submit LTC applications. In fact, it’s one
of the easiest in the industry. Click the link above to find more
advantages to the e-App!
New Senior Assessment Underwriting Requirement
Effective April 1, 2018, a
Senior Assessment will be required in certain age/face parameters on fully
underwritten life products. It will be completed at the time of the
paramedical examination. This testing will assess a client’s cognitive
ability, memory functions, mobility testing and ability to perform
Activities of Daily Living.
Now Available: New Underwriting Guide
A new April 2018 version of the
United of Omaha Life Underwriting Guidelines booklet is now available,
including the new Senior Assessement underwriting requirement announced
Accelerated Underwriting for TLA is Here!
Our brand new Accelerated
Underwriting program uses data that can quickly be obtained to eliminate
lab testing and exams for Standard, Standard Plus, Preferred and Preferred
Plus applicants who qualify based on age, personal history, and face amount
Virginia Approves CWL Product Modifications
Effective April 9, 2018, the
new Children’s Whole Life product modifications are available for your
clients in Virginia. The CWL product modifications are now available in all
states, except Washington.
Critical Illness to the Rescue
Mutual of Omaha Critical Illness
policy: Covered conditions include cancer, stroke and Alzheimer's disease —
many of the same conditions that lead people to need long-term care
Mutual of Omaha's CI includes a
built-in return of premium benefit, lifetime coverage issued up to age 64,
and no reduction in benefits at age 65. Best of all, benefits are paid
directly to policyholders to use however they choose.
Why should you sell Critical Advantage insurance?
Why should you sell the products
in the Critical Advantage Portfolio to your clients? The numbers tell the
- Nearly 1.7 million new cases of cancer were
diagnosed in 2016
- 27.6 million Americans have been diagnosed with
- Every 40 seconds someone in the U.S. has a stroke
- Nearly 5 million Americans have Alzheimer’s
The products in the Critical
Advantage Portfolio pay a lump-sum benefit upon diagnosis for all of these
conditions and the money is sent directly to your client, not the health
CareShield: Underwriting Experience Now Enhanced
To improve the underwriting
experience for our clients, we've removed the APS (Attending Physician
Statement) requirement for clients up to age 60 and face amounts up to $2
In addition, the EKG is no
longer an age/amount requirement.
Please note: Regardless of age,
an APS may still be needed on CareShield business depending on the health
history provided in the completed application.
New ROP Rider for Short-Term Home Health Care!
GTL is pleased announce the
availability of a new Return of Premium rider on the Short-Term Home Health
Care Insurance plan!
With the new Return of Premium
rider, it will return all premiums paid minus the sum of all benefits paid
in the event of a policyholder's death prior to attaining age 86.*
In-Force Rate Action Announcement: New Stable Premium
Option for Choice 1 Policyholders
To help mitigate the impact of
current and future planned premium increases, we are providing an
additional coverage option for most of our Choice 1 policyholders to
consider when faced with a premium increase. Beginning on April 9, 2018, the
new Stable Premium
Option Endorsement will be available in states where it's
This option provides a guarantee
that the new premium
associated with the Stable Premium Option will not increase until at least
2028, along with a specific set of benefits.
Click the link above for benefit
specifics and frequently asked questions.
Reminder: Use Latest Revision of IRS Form 4506T-EZ (Rev.
Recently, the IRS updated Form
4506T-EZ. The latest version of the form is "Form 4506T-EZ (Rev.
7-2017)." The IRS will not accept any prior versions of the form.
Form 4506T-EZ is required for
all Transamerica life products that have face amounts greater than $2.5
million, and at underwriter discretion for lower amounts, to verify
The Best of Wealth + Health at Your Fingertips
At Transamerica, our commitment
to service doesn't end with just one conversation. We're dedicated to
bringing you the tools and resources to help your clients live better today
and worry less about tomorrow.
As you engage with clients,
remember that wealth + health comes down to balance. After all, what good
is one without the other?
LifeSecure's Long Term Care Insurance for the Worksite
In June, we will release our
next-generation Long Term Care Insurance to existing worksite groups.
Enrollment for new worksite groups will open in October with effective
dates starting Jan. 1, 2019.
Click above for additional
details, including key dates & procedures.
News - Mutual of Omaha and Affiliates:
Upcoming Rate Adjustments
View upcoming rate adjustments
in ID, GA, ID, LA, MD, MO, MS, ND, OK, OH, OR, SD TN, TX, UT, WV, and WY:
• 2010 Modernized Rate Adjustment - ID, LA, and MD
• 2010 Modernized In Force Only - OH, OR, SD, TN, TX and
• 1990 Standardized Rate Adjustment - GA, ID, LA, MD, ND,
OK, OH, TN, TX, WV, and WY
• Plan N Rate Adjustment - MO, and MS
SELECT Directory Updates
Updates have been made to the
Mutual of Omaha, United World, United of Omaha and Omaha Insurance Company
Medicare SELECT Provider directories for Arkansas and Ohio.
Note: Due to extremely low ordering volumes, the SELECT
Provider Directories will no longer be available for ordering through our
normal ordering system.
Upcoming Rate Adjustments
View upcoming rate adjustments
for AK, KS, MT and TN.
• 2010 Modernized Rate Adjustment - AK
• 2010 Modernized In force Only - KS
• 1990 Standardized Rate Adjustments - AK, KS, MT, TN