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April 9, 2018

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The "Industry Best" illustration software for Custom & Secure Solution was recently updated to:
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Remember, EVERYONE attending any of the webinars on our calendar will earn AT LEAST
50 GoldenCare Reward Points!*

PLUS... one lucky attendee of each webinar will earn 500 Points!
What Are GoldenCare Rewards?
Limit 1 Reward Code Per Unique Training Event. Points Are Subject To Change.  Restrictions May Apply.  Visit For Details.


Current GoldenCare Promotions:

GTL Spring Promo

Avoid Delays & Returned LTCi Applications
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:
"A four-hour 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.
Click Here for each state's training requirements.
If you have any questions, please call Licensing at 800-842-7799!


Guest Article:

“The Long-Term-Care 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.”
LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform):
This article offers level perspective and responsible advice regarding the LTCi dilemma.
Click Here to read the entire article.


Want More News?

Check out our website, and visit the News tab to keep up-to-date on the Industry's News and Changes.


Previous Issues:



Online Agent 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
(866-299-7945, 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.
Click Here for more information.

Click Here for the Full Schedule of All Upcoming Webinars.
Or Click 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 counties.
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.


Industry Updates:



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 in FL).

The Marketing Credits Program Just Got Better - More Ways to Earn
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 recently.

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 requirements.

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 services.
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 story.
    - Nearly 1.7 million new cases of cancer were diagnosed in 2016
    - 27.6 million Americans have been diagnosed with heart disease
    - Every 40 seconds someone in the U.S. has a stroke
    - Nearly 5 million Americans have Alzheimer’s disease

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 care provider.



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 million.
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 allowed.
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. 7-2017)
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 financial information.

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.


Medicare Supplement 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 UT
•  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






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