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Roman"'>&nbsp;<o:p></o:p></span></p> </td> <td width=250 style='width:187.5pt;padding:0in 0in 0in 0in;border-color: currentcolor;min-height: 25px'> <p class=MsoNormal align=right style='text-align:right'><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman";color:white'>For Assistance: 800-842-7799</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </div> </td> </tr> <tr style='mso-yfti-irow:2'> <td width=654 colspan=2 style='width:480.0pt;background:#00B2CC;padding:0in 0in 0in 0in; border-color:currentcolor'> <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:465.0pt;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=370 style='width:277.5pt;padding:0in 0in 0in 0in;border-color: currentcolor;min-height: 25px'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><img border=0 id="_x0000_i1031" src="https://goldencareagent.com/docs/images/GC_White-eb_333x84.gif"><o:p></o:p></span></p> </td> <td width=250 style='width:187.5pt;padding:0in 0in 0in 0in;border-color: currentcolor;min-height: 25px'> <p class=MsoNormal align=right style='text-align:right'><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman";color:white;letter-spacing:-.5pt'>Our Most Popular Webinar Training<br> Compliance Information<br> Guest Need-For-LTC Article<br> Latest Industry News &amp; Changes<br> Previous Issues</span><span style='mso-fareast-font-family:"Times New Roman"; letter-spacing:-.5pt'><o:p></o:p></span></p> </td> </tr> </table> </div> <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> </td> </tr> <tr style='mso-yfti-irow:3'> <td width=654 colspan=2 style='width:480.0pt;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 0in 0in 0in;min-height:8px'> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:8.0pt;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: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'>December 9, 2019</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=3460495.50957.1.16b009320d311d6a85ed8c6308da006e" target="_blank">Update Your Contracts</a><br> OR<br> <a href="http://www.goldencareagentmail.com/c/45290?id=3460495.50958.1.62f3d2223bacc8073920dc59dcce2bc0" 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 3.60.0.0</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=3460495.50959.1.d0310294a070544fbf959ec73242de33" 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_i1035" 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=3460495.50960.1.0673cb27fad03a6dceba9d0f73f2280b" 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=3460495.50961.1.b75eb5a57bb742bf7b9206d2d87974e7" 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'>Avoid Delays &amp; Returned LTCi Applications</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><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Remember to use </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'>6Q</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> on the MutualCare Solutions Producer Statement to avoid commission problems. If you have made other arrangements to use another commission code, please use accordingly.</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:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>For questions, or to verify the code you're using is correct, please call 800-842-7799!</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><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> For all LTCi agents who took their initial 8-Hour Partnership Certification prior to </span><strong><u><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:Calibri'>December 2017</span></u></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> Producer requirements for training continuation states:<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;A four-hour refresher course must be completed every 2 years from the date the initial training was completed.&quot;</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> Please be sure you have completed the necessary ongoing training before submitting new long-term care business.<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=3460495.50962.1.3552bea5af8084d4ba8b324eb7a2db7a" target="_blank">Click Here</a> for each state's training requirements.<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, please call Licensing 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;Must-Know Statistics About Long-Term Care: 2019 Edition,&quot; by Christine Benz, </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'>Morningstar</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:5.0pt;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;To help you arrive at a plan for how you ll manage your own long-term care costs, I ve assembled a now-annual compendium of statistics on long-term care. How likely are you to need long-term care and for how long? What does long-term care cost, and what does it cost to insure against it? Who s providing care, and what toll is that taking on the caregivers? <br> </span><span style='font-size:5.0pt;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> Useful reminder.<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=3460495.50963.1.fb6ba9f05ff8281241107a00a7783421" 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=3460495.50964.1.a92e8f0882bf230bf94d0e5a44f2964c" 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=3460495.50965.1.c4242e4532676098d36def397662c94a" target="_blank">November 18, 2019</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=3460495.50966.1.73f83ac2d8a9161b5ebd40ae3577b231" target="_blank">November 4, 2019</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=3460495.50967.1.c3d5db0014c677f9dae1208b69c7889c" target="_blank">October 21, 2019</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=3460495.50968.1.5632d973713b80f35097f3912475b732" target="_blank">October 7, 2019</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=3460495.50969.1.e9d989054dfc2eda0b006ff2ce9082e1" target="_blank">September 23, 2019</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=3460495.50970.1.46aaf708ae9cf286ab832a54fa93b821" target="_blank">September 9, 2019</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 December 9, 2019</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_i1042" src="https://goldencareagent.com/docs/images/eb-Kemper-2019logo_152x32.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=3460495.50971.1.44f97667068b1db13ccce61b7016106b" target="_blank"><b><i><span style='font-size:12.0pt;font-family:"Lato",sans-serif'>Near Guarantee Issue Home Health</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=3460495.50972.1.5a450b8e6d6e7d2afd1a1b15d1dbf3a5" target="_blank">Wed, Dec 11, 2019 11:00 AM&nbsp; to&nbsp; 11:30 AM CST</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"'><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_i1043" src="https://goldencareagent.com/docs/images/eb-HHC-FaceOff-image_152x65.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=3460495.50973.1.2fb8dbcb60b35c1b21a4652183c07abc" target="_blank"><b><i><span style='font-size:12.0pt;font-family:"Lato",sans-serif'>NEW!! Comparing Our Stand-Alone HHC Plans</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=3460495.50974.1.0471d6c91e35e8c70663a4611e73d1d4" target="_blank">Thurs, Dec 12, 2019 2:00 PM&nbsp; to&nbsp; 2:30 PM CST</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=3460495.50975.1.be9f97824368ec72bcfb1c678f8e754b" 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=3460495.50976.1.e9e015ac00d5cee9e319dc241245fc29" target="_blank">Click Here</a> for the Full Schedule of All Upcoming Webinars.<br> Or <a href="http://www.goldencareagentmail.com/c/45290?id=3460495.50977.1.ac8e5147fd7a1ba83dd40b0a55e4fbef" 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><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=3460495.50978.1.0884f75af5f4840921f25542566b05cb" target="_blank">Oklahoma Now a Pre-Appointment State</a></span></strong><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"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Effective November 1, 2019, the state of Oklahoma updated their state regulations to move Oklahoma to a pre-appointment state. This means that if you are writing business in the state of Oklahoma you will be required to have an effective appointment prior to taking an application.</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><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=3460495.50979.1.00976bd5a894d5f2717dd11edddb177f" target="_blank">Holiday Telephone Solicitation Bans for the Month of December 2019</a></span></strong><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"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Please be aware of the following holidays requiring a holiday telephone solicitation ban for the month of December.<o:p></o:p></span></p> <ul type=disc> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l1 level1 lfo3;tab-stops:list .5in'><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>On </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'>Tuesday, December 24, 2019:</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> Louisiana prohibits unsolicited marketing calls to residents in observance of a Governor declared holiday for Christmas Eve<o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l1 level1 lfo3;tab-stops:list .5in'><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>On </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, December 25, 2019:</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> Alabama, Louisiana, Mississippi, Pennsylvania, Rhode Island and Utah prohibit unsolicited marketing calls to residents in observance of Christmas<o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l1 level1 lfo3;tab-stops:list .5in'><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>On </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'>Tuesday, December 31, 2019:</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> Louisiana prohibits unsolicited marketing calls to residents in observance of a Governor declared holiday for New Year s Eve<o:p></o:p></span></li> </ul> <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=3460495.50980.1.2f935d23cc1dc2c0df527f2ebc9a4d84" target="_blank">Understanding your Exposure with Telephone Solicitations</a></span></strong><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"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>The Telephone Consumer Protection Act of 1991 (TCPA), was enacted to protect consumers from unwanted telemarketing calls and faxes. It imposes liability in the form of regulatory fines and incentivizes private plaintiffs to pursue claims with statutory damages of $500 to $1,500 per call, with no limit.</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"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Agents and brokers are expected, and contractually required, to act in full compliance with the law. Mutual of Omaha may recover any costs incurred in investigating, settling or litigating TCPA claims from agents, brokers, and their uplines.</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> </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_i1046" 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=3460495.50981.1.71ccc1b7ec6fd201fd0bc2dcfb2ca66c" target="_blank">Final Weeks To Qualify: Mutual of Omaha Incentive Trip for LTCi Producers</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"'>Mutual of Omaha is rewarding the top ten LTCi producers of 2019 with a new incentive travel opportunity  a 4-day getaway to the Ritz-Carlton Montreal, in June, 2020. Eligible business includes Mutual of Omaha's traditional LTCi products - MutualCare</span><sup><span style='font-size:8.5pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>®</span></sup><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'> Secure Solution and MutualCare</span><sup><span style='font-size:8.5pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'>®</span></sup><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> Custom Solution.</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"'>Make the most of these final weeks  </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'>the qualification period ends </span></em><strong><i><span style='font-size: 10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:Calibri'>December 31, 2019</span></i></strong><em><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman";mso-bidi-font-family:Calibri'>!</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=3460495.50982.1.d25bd101b84ac53a9c8063cf76b42178" target="_blank">Use This New LTC Consumer Videos To Keep The Momentum Going</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"'>Put this new LTC consumer video to work for you! Mutual of Omaha is excited to debut something you've been asking for: a new consumer video designed to help you introduce the need for LTCi.</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=3460495.50983.1.782eeba12f00370730e20490fef07c9a" target="_blank">Custom and Secure Brochures Now Available in California</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 redesigned MutualCare</span><sup><span style='font-size:8.5pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>®</span></sup><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'> Custom and Secure consumer brochures are now available for the state of California.</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=3460495.50984.1.14bf7676c7fd9ddefe4733acdb6cee67" target="_blank">LTC Partnership Approved in New Mexico</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"'>Partnership has been approved in </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'>New Mexico on November 12, 2019</span></strong><span style='font-size:10.0pt; font-family:"Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'>. LTC13 applications signed in New Mexico on or after November 12, 2019 will determine Partnership qualification based on the new guidelines. Illustration software and new business policy issue kits are in the process of being updated.</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=3460495.50985.1.11b77f2610062067f1cabda5aa7390ff" target="_blank">Rate Adjustments Effective February 2020</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"'>Mutual of Omaha will be implementing rate adjustments in </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'>Florida</span></strong><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'>February 1, 2020</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>.</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"'>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 sent by </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'>December 1, 2019</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> to ensure policyholders in the approved states receive notification of their </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'>February 1, 2020</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> premium rate increase.</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=3460495.50986.1.8cc87f9e21dcac31551e9f1922ab7dce" target="_blank">Rate Adjustments Effective March 2020</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"'>Mutual of Omaha will be implementing rate adjustments in </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'>Maine</span></strong><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'>March 1, 2020</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>.</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"'>Policyholders will receive a letter notifying them at least 90 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 sent by </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'>December 1, 2019</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> to ensure policyholders in the approved states receive notification of their </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'>March 1, 2020</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> premium rate increase. </span><span style='font-size: 1.5pt;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><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=3460495.50987.1.66cf8c428b1ece76d7d29ccd542ea1e1" target="_blank">Email Submission for Paper Applications</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:4.5pt;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> Mutual of Omaha is pleased to announce paper applications can now be submitted via email. This update is effective immediately and available for all Life products and Health products, </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'>excluding</span></em><span style='font-size: 10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'> Medicare Supplement, Medicare Advantage, Prescription Drug Plans and Long Term Care.<br> </span><span style='font-size:1.5pt;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><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=3460495.50988.1.d9c7eedfd7b13817747b1338b206e189" target="_blank">Upcoming Changes to Our Life Product Portfolio</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:4.5pt;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> 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'>January 1, 2020</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>, we will be making changes to our life product portfolio, including discontinuing our Guaranteed Universal Life product, repricing our Level and Graded Living Promise Whole Life final expense products, repricing our Term Life Express Non-ROP product and discontinuing our Term Life Express 20-Year ROP product.<br> </span><span style='font-size:1.5pt;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><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=3460495.50989.1.07cf5fefe17410d2b33fbc2afe2de6d9" target="_blank">2020 Life Product Changes: Transition Rules</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:4.5pt;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> With the upcoming changes to our Life Product portfolio effective January 1, 2020, click above for a summary of the transition rules, with a link to Frequently Asked Questions.<br> </span><span style='font-size:1.5pt;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><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=3460495.50990.1.af8c615c4d2d1f1c2ba9be0bc175f3cc" target="_blank">Get Up to Speed on the IUL Express Process</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:4.5pt;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> Omaha's new IUL Express Process Video will take you through the step-by-step process for determining a premium, completing the application packet, understanding the underwriting process, and delivering the policy.<br> </span><span style='font-size:1.5pt;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><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=3460495.50991.1.0090273504faa134d54486c6263f50f1" target="_blank">Learn the Basics: Living Promise</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:4.5pt;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> United of Omaha has created a quick, informative video to teach you about the features and some of the selling points of Living Promise (Final Expense) Whole Life Insurance.<br> </span><span style='font-size:1.5pt;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><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=3460495.50992.1.01b3ef29948af40befcee9afafb9a828" target="_blank">External Replacement Guidelines</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:4.5pt;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> Since 9/1/2015, United of Omaha has not accepted external replacements on simplified issue life insurance applications in Kentucky, Kansas or West Virginia. Please make sure you are aware of the following external replacement guidelines.<br> </span><span style='font-size:1.5pt;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><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=3460495.50993.1.c8a219298d00c0bed9002cd70a865e84" target="_blank"><em><span style='font-family:"Cabin",sans-serif;mso-bidi-font-family: Calibri'>Real Win</span></em>- Why Choose Mutual of Omaha for DI?</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:4.5pt;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> Read about Margaret, a married 30-year-old working as a nursing practitioner, as she plans for the unexpected with Mutual of Omaha's DI Choice Long-Term Disability Coverage.<br> </span><span style='font-size:2.5pt;font-family:"Lato",sans-serif; 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_i1059" src="https://goldencareagent.com/docs/images/eb-Securian18-Logo_152x43.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=3460495.50994.1.b76aa4ad494c0f2bd33766148e975888" target="_blank">Coming soon! Two new IUL options</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"'>Securian Financial is launching two competitive Indexed Universal Life (IUL) solutions your clients can depend on - whether their goal is accumulation or protection.</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"'>Available </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'>December 14, 2019:</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> Eclipse Accumulator IUL (accumulation focused), and Eclipse Protector II IUL (protection focused).</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_i1060" src="https://goldencareagent.com/docs/images/eb-GTL-Logo_152x40.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=3460495.50995.1.771ba0305ec3df06b83649b9f9432266" target="_blank">There's still time to earn some extra holiday cash!</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"'>Remember, GTL's 4th Quarter Bonus Programs are still taking place, through December 31, 2019! Qualified Hopsital Indemnity, Precision Care Cancer Insurance &amp; Medicare Supplement business counts!</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:3.0pt;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=3460495.50996.1.0a5315cbff8134ba12fd584f0f6f02de" 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"'>Upcoming rate adjustments for IL and MO.</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=3460495.50997.1.48e3820ebfbabb01eff99200b2a83334" target="_blank">PDP Application Clarification</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"'>See clarification regarding Mutual of Omaha RX Enrollment Form.</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=3460495.50998.1.a4863af75818e8f18bf328c0b1fb12e9" 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 for Mississippi and Virginia.</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=3460495.50999.1.d61a9c0e6affe29afcab7dbdf44258b0" target="_blank">One Company/One State-MT and VA</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"'>Effective January 1, 2020, only applications underwritten by Mutual of Omaha for Montana and Virginia will be accepted for new business and conversions.</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=3460495.51000.1.c3724e56ba08d186c7bbf43aea3d8ed2" target="_blank">AEP is Over- What Next?</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"'>While AEP May be Over, There's Still Work to Do. Understanding Rapid Disenrollments and Special Enrollment Periods.</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; border-color:currentcolor;min-height: 25px'> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:10.0pt;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:7;mso-yfti-lastrow:yes'> <td width=654 colspan=2 style='width:480.0pt;padding:0in 0in 0in 0in; border-color:currentcolor;min-height: 30px'> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='width:487.5pt;mso-cellspacing:0in;mso-yfti-tbllook:1184;mso-padding-alt: 0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td width=324 style='width:239.25pt;padding:0in 0in 0in 0in'> <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> &nbsp;&nbsp;&nbsp;<img border=0 id="_x0000_i1061" src="https://goldencareagent.com/docs/images/GC-Black-img-eb_287x71.png"><o:p></o:p></span></p> </td> <td width=326 style='width:239.25pt;padding:0in 0in 0in 0in;border-color: currentcolor;min-height: 25px'> <p class=MsoNormal align=center style='text-align:center'><strong><span style='font-size:14.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman";mso-bidi-font-family:Calibri;color:#00B2CC;letter-spacing: -.5pt'>Your Success Is Our Priority</span></strong><span style='mso-fareast-font-family: "Times New Roman";letter-spacing:-.5pt'><br> </span><span style='font-size:4.0pt;mso-fareast-font-family:"Times New Roman"; letter-spacing:-.5pt'>&nbsp;</span><span style='mso-fareast-font-family: "Times New Roman";letter-spacing:-.5pt'><br> </span><span style='font-size:14.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";letter-spacing:-.5pt'>Not Yet Contracted?<br> <a href="http://www.goldencareagentmail.com/c/45290?id=3460495.51001.1.742cb8fcf15a23ae7d4066f103341aec" target="_blank">Click here to get started!</a></span><span style='mso-fareast-font-family:"Times New Roman";letter-spacing:-.5pt'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1'> <td width=650 colspan=2 style='width:478.5pt;padding:0in 0in 0in 0in; border-color:currentcolor;min-height: 25px'> <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_i1062" src="https://goldencareagent.com/docs/images/GC-Brand-DIVIDER_639x13.jpg"><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:2;mso-yfti-lastrow:yes'> <td width=650 colspan=2 style='width:480.0pt;padding:0in 0in 0in 0in; border-color:currentcolor;min-height: 30px'> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='width:478.5pt;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=424 style='width:318.0pt;padding:0in 0in 0in 0in'> <p class=MsoNormal><span style='font-size:3.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";letter-spacing:-.5pt'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman";letter-spacing:-.5pt'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";color:#969696;letter-spacing: -.5pt'>GoldenCare&nbsp;&nbsp;&nbsp;|&nbsp;&nbsp;&nbsp;10700 Old County Road 15, Ste 450&nbsp;&nbsp;&nbsp;|&nbsp;&nbsp;&nbsp;Plymouth, MN 55441<br> Toll-Free: 800-842-7799&nbsp;&nbsp;&nbsp;|&nbsp;&nbsp;&nbsp;Fax: 866-863-8608&nbsp;&nbsp;&nbsp;|&nbsp;&nbsp;&nbsp;Local: 763-525-1111<br> <a href="http://www.goldencareagentmail.com/c/45290?id=3460495.51002.1.27b656bee2a17b473aa5e0b98fe0f232" target="_blank"><span style='color:#969696'>www.goldencareagent.com</span></a>&nbsp;&nbsp;&nbsp;|&nbsp;&nbsp;&nbsp;<a href="http://www.goldencareagentmail.com/c/45290?id=3460495.51003.1.6b215c0706461046822681ef3658fd27" target="_blank"><span style='color:#969696'>www.goldencare.com</span></a></span><span style='mso-fareast-font-family:"Times New Roman";letter-spacing:-.5pt'><o:p></o:p></span></p> </td> <td width=214 valign=top style='width:160.5pt;padding:0in 0in 0in 0in; 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