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December 17, 2018

Merry Christmas!
The GoldenCare Office
will be closed
Mon, December 24th &
Tues, December 25th, for
the Christmas Holiday.


Update Your Contracts
Appoint With All Of
The Top Carriers


The "Industry Best" illustration software for Custom & Secure Solution was recently updated to:
Click Here to download

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:

The Year Is Winding Down
Promo Ends 12/31!

Holiday LTC Sales Promotion

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 December 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!



Mark Randall:
The LTC Industry mourns the loss of one of its great leaders.

Mark-Randall obituary-image
GoldenCare is sorry to announce the loss of Mark Randall, an innovative voice in the Long-Term Care Insurance industry, a key leader, excellent teacher, and close friend. His influence continues today having trained many thousands of agents. Not only did he work with insurance companies to develop new products to address consumer needs, he also developed one of GoldenCare’s premier agent training and sales software kits, the LTC CEO. Mark was also instrumental in bringing his two brothers, Jon Randall and Tom Randall, into the industry.
Mark’s passion and driving force to help people continues to inspire everyone who knew him. We are saddened by the news and offer our condolences to his family. We too have lost a beloved member of our family.
Click Here to read Mark's obituary.


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 December 17, 2018
Click on the subject heading to learn more about the topic.
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No Current News In The Issue...


Industry Updates:



Holiday Office Closings
As a reminder, Mutual of Omaha and its affiliates (United of Omaha and United World) will be closed on the following days:
Monday, December 24th, Tuesday, December 25th, Monday, December 31st, and Tuesday, January 1, 2019.

From everyone at Mutual of Omaha, we wish you happy holidays and safe travels!

LTC Partnership Approved in Illinois
Great news! The MutualCare® Solutions products, underwritten by Mutual of Omaha, have been approved for Partnership status in the state of Illinois effective January 1, 2019!

Set Target Premium with MutualCare Solutions Software
Using the MutualCare Solutions software Set Target Premium feature, you can provide your clients with the valuable LTCi coverage they need, with a premium that fits their budget.

New Option for LTCi Claim Payments
Now your clients have another option for receiving long-term care benefits. Benefit payments can now be sent via EFT (electronic funds transfer). This will allow customers or their providers to receive claim payments faster by electronically transferring benefit payments direct to their bank accounts.

(Legacy) Rate Adjustments Effective March 1, 2019 (IL, NM)
Mutual of Omaha will be implementing rate adjustments in Illinois & New Mexico, effective March 1, 2019.
Policyholders will receive a letter notifying them at least 60 days prior to the premium rate increase. The effective date of the premium rate increase will be listed in this notification. Notification to all affected policyholders will be mailed by January 1, 2019 to ensure policyholders in the approved states receive notification of their March 1, 2019 premium rate increase.

New Email Notifications for Clients on Direct Bill
Beginning Thursday, December 13th, we will begin sending email notifications when a renewal premium is due for individual life and individual health customers on direct bill.

Continuous Improvements to New Amazon Connect Phone System
In late November, we announced our new implementation of our Amazon Connect phone system for Life and Health Service and Claims. Overall, we have been pleased with the deployment of the new phone system and have received positive feedback.
As with any change, we have also received constructive feedback. One of the major benefits of the Amazon Connect phone system is that we are able to quickly adjust the system and correct issues as they arise.

Earn An Elegant Getaway - We're Taking LTCi Producers to Montreal!
A Mutual of Omaha Incentive Trip for Long-Term Care (LTC) Producers
It's a new incentive travel opportunity just for LTCi producers. We'll reward the top 10 LTCi producers of 2019 with a 4-day getaway to the Ritz-Carlton Montreal in June, 2020. Eligible business includes Mutual of Omaha's traditional LTCi products - MutualCare® Secure Solution and MutualCare® Custom Solution. Qualification begins January 1st, so start planning your 2019 Sales Strategies now!

Right Up Your Alley: New Term Life Answers Rates
Effective December 1, 2018, we knocked down our Term Life Answers rates AND reduced our monthly modal factor to .086 – saving your clients money on their monthly premium payments.

Mutual Ranked Best in Customer Service for DI Insurance
At Mutual of Omaha, we strive for a positive customer experience. Our service was recently ranked by Newsweek magazine.



Coming Soon: Minimum Payment Implementation for 2019
Beginning January of 2019, a twenty-five dollar minimum compensation payment will be implemented. What this means is, if your payment does not reach the minimum at the end of the pay period, that payment will carry over and pay out when your balance reaches twenty-five dollars. If you do not accumulate the minimum over a 12 month payment period, the balance forward amount will be released on or before December 31st.



Advantage Plus Upgrade Now Available in Maine and Oregon!
GTL's Advantage Plus Hospital Indemnity Insurance upgrade is now available in Maine and Oregon!
Available on paper only — e-App coming soon!



2019 Partnership Minimum Benefit Requirements for CA, CT, IN and NY
Each year, the original Partnership states (CA, CT, IN and NY) revisit minimum benefit requirements to qualify for their Partnership programs. Within the announcement, we've outlined the changes for 2019.

In-Force Rate Action Announcement: Alabama Trust Group Master Policy (Pre-PCS, PCS I, PCS II)
Alabama has now allowed the requested increase for certificates issued under a group master policy issued in AK, AR, AZ, CT, DC, DE, GA, HI, ID, KY, MA, MI, MO, MS, MT, ND, OK, PA, SC, SD, TN, VA and WY.
This rate increase was filed and approved in accordance with the laws and regulations of Alabama in which these certificates were issued.
Servicing agents will receive a list of their impacted policyholders in these states one week prior to the start of policyholder notifications. Policyholder notifications will begin December 18, 2018 and will continue throughout the next year. Impacted policyholders will be notified at least 60 days in advance of their billing anniversary dates.

REMINDER: Commissions: 1099-MISC 2018 Tax Information
Important information about 1099-MISC (miscellaneous income) tax forms:

  • A 1099-MISC will be filed for each person who is paid at least $600 in commissions in 2018. This includes all product lines.
  • Some payments are not required to be reported on this form, although they may be taxable to the recipient. For example, commissions paid to a corporation are not required to be reported via a 1099-MISC. Therefore, a 1099 MISC will not be created for corporations.

REMINDER: December 19, 2018: Deadline for Long Term Care New Business Requirements
As the year comes to a close, to optimize your 2018 placed production, please keep in mind the year-end cutoff for new business is December 19, 2018.
Genworth's final commission cycle will be on December 28, 2018 for all Long Term Care Insurance.
Click the link above for the requirements for Final Commission Payment and Commission Payment Cycle Dates



TransQuote Illustration Tool Expires December 13, 2018
The TransQuote illustration tool will be decommissioned from further use at 5:00 p.m. CT on December 13, 2018. All links to TransQuote from the Agent Resource Center will be removed at that time. After TransQuote is decommissioned, saved quotes in TransQuote will no longer be available. Versions of TransQuote on smartphones, tablets, and computers will also cease to function at this time.



United Security Assurance - Changes in Family Dynamics
Changes in demographics and social values have reduced the number of family members available to care for impaired elderly relatives for many reasons. The burdens and responsibilities of middle-aged Americans are increasing as many struggle with caring for their children and elderly parents at the same time.


Medicare News - Mutual of Omaha and Affiliates:


Upcoming Med Supp Rate Adjustments
Please view the upcoming Med supp rate adjustment in HI, MS.
January 1, 2019 Med Supp Release
View the January 1, 2019 rate adjustment for Mutual New Hampshire and United New Mexico.
2019 Med Supp Marketing Credits Program
Earn credits in 2019 for your Med supp business and redeem them for your Med supp business expenses.
2019 Copay and Deductible Marketing Materials Available
Medicare supplement marketing materials containing the 2019 copay and deductible information are now available to order.
First Quarter 2019 Broker Bonus Program
You can make even more bucks on your Medicare supplement and SELECT underwritten business through our 2019 1st Quarter Broker Bonus Program.





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