With All Of
The Top Carriers
The "Industry Best"
illustration software for Custom
& Secure Solution was recently updated to:
Here to download
Remember, EVERYONE attending any
of the webinars on our calendar will earn AT
50 GoldenCare Reward
PLUS... one lucky attendee of each webinar will earn 500
What Are GoldenCare Rewards?
* Limit 1 Reward Code Per Unique Training Event. Points Are
Subject To Change. Restrictions May Apply. Visit http://www.goldencarerewards.com/
Current GoldenCare Promotions:
Watch for our
beginning March 1st!
Avoid Delays & Returned LTCi
Remember to use 6Q on the MutualCare
Solutions Producer Statement to avoid commission problems. If you have made
other arrangements to use another commission code, please use accordingly.
For questions, or to verify the
code you're using is correct, please call 800-842-7799!
REMINDER: Partnership Certification and 4-Hour Refresher
For all LTCi agents who took their initial 8-Hour Partnership Certification
prior to February 2016:
Producer requirements for training continuation states:
refresher course must be completed every 2 years from the date the initial
training was completed."
Please be sure you have completed the necessary ongoing training before
submitting new long-term care business.
Here for each state's training requirements.
If you have any questions, please call Licensing at 800-842-7799!
“Will This 1 Expense
Prevent You From Living Your Dream Retirement?,” by Maurie Backman, The Motley Fool
“Countless workers look forward to retirement and the carefree lifestyle with
which it's often associated. Unfortunately, 28% of today's seniors say life is worse in retirement, and part of that sentiment
boils down to financial woes. Of course, the fact that many seniors today are
struggling financially isn't shocking, especially given the number of folks
who entered retirement with inadequate savings. But while some of that is a
function of negligence and perhaps an overreliance on Social Security, a big reason why so many
retirees find themselves low on money is that they underestimate one major
“Another smart bet? Invest in long-term care insurance. A good 70% of seniors 65 and
over will end up needing some type of long-term care in their lifetime, and
having a policy to help pay for that expense could help alleviate a large
chunk of financial stress down the line. No matter what steps you take to
save for healthcare in retirement, don't make the mistake of remaining
ignorant about what could be the single greatest expense you'll face as a
senior. You deserve the comfortable retirement you've always wanted, but if
you're not careful, your health alone could destroy that dream in an
(from Stephen A. Moses,
President, Center for Long-Term Care Reform):
This article’s take-home message is responsible advice and a familiar
refrain: “Save, invest or insure” for your future long-term care/healthcare
needs in retirement.
Click Here to read the entire article.
Our Winter 2018
GoldenCare Gazette Is Now Available!
your portfolio for greater sales success!
Over the years, our portfolio has expanded to include supplemental product
lines — all in an effort to fill coverage gaps and help you make the most of
In this edition of the Gazette, we highlight supplemental policies and show
examples of when these plans really shine!
Check out our GTL Spring Promotion, beginning March 1st.
And view an invitation to a special training webinar with Harry Crosby - one of the
most successful insurance agents in the business! He shares his sales
strategy along with insight from 25 years in the industry.
Click Here to view the Winter 2018 Gazette.
To order a printed copy, call 800-842-7799!
Check out our website, www.goldencareagent.com and visit the News tab to keep
up-to-date on the Industry's News and Changes.
Training "Webinar" Presentations:
For The Week Of February 26, 2018
Click on the subject heading to
learn more about the topic.
Click the date/time to register for the presentation.
At the time of the webinar,
remember to dial in to our conference line
PIN / access code 8754#)
in order to listen to the audio part of the presentation.
Please check to see that you
meet the minimum system requirements and that you have the
equipment needed to attend
before downloading the latest version of GoToWebinar.
Here for more information.
Here for the Full Schedule of All Upcoming Webinars.
Here to Access a List Of All Our Agent Training Services!
2017 Kemper Production Standings
2017, GoldenCare was Kemper's largest producing MGA.
With the hard work of our
agents, we reached our goal of taking the #1 spot! (In 2016, GoldenCare was the 2nd
largest Kemper producer)
GoldenCare's issued-policy count
was more than 4 times
that of the MGA in Kemper's #2 spot!
We want to thank all of our
agents for their hard work, for their business, and for helping make 2017
such as successful year!
Looking to become familiar with
the Kemper Home Health Care plan?
Join us for a live, in-depth product-training webinar
Wed, March 7, 2018 11:00 AM to 11:30 AM CST
Dental Product Rolls Out in New States
Effective February 23, 2018,
you may begin selling our Mutual Dental PreferredSM and Mutual
Dental ProtectionSM insurance policies with an optional vision care rider
underwritten by Mutual of Omaha Insurance Company in the following states: Alaska, Connecticut, Delaware,
Hawaii, Montana, North Dakota, New Hampshire, Rhode Island, Vermont
and Washington DC.
Dental E-App available February
For ease and convenience use the Dental e-App located on Sales Professional
Access (SPA) www.mutualofomaha.com/broker
under Sales Tools – Electronic Applications.
Coming Soon — New Format for Broker Compensation Statements
The Broker Compensation
Statements will soon be available in Excel format as well as in the current
PDF format you receive today. This change will enable you to use the Excel
format in a manner that fits into your business needs. We are currently
working on the final touches and will notify you when the new Excel format
is available. Stay tuned!
How Your Clients Can Save on LTCi Premiums
In order to make LTCi premiums
as affordable as possible, MutualCare Solutions policies offer a variety of
premium allowances. Your clients may qualify for one or more!
Long-Term Care Sales Ideas Book
Mutual of Omaha's LTCi Sales
Ideas book is full of ideas on speaking to clients about LTCi benefits and
advice on how to find new clients.
The book explains how to find
the right people to talk to, how to start the conversation, talking points
that address the need for LTCi, and even describes benefits offered in the
Update on LTC Rate Increase Quotes
Beginning March 1, 2018, we will
no longer be able to run updated quotes on policy forms LTC04I and LTC04G
due to rate increases. If your clients request an updated quote, have them
contact the LTC administration office at 800-921-9334.
This change will not affect rate
increases for policy LTC06U. You will still be able to run updated quotes
through the Assured Solutions software.
Jump on the Express
Our Express life insurance products offer
simplified underwriting and application processes, which means policies are
issued faster and you get paid quicker. Plus, you can easily track your
cases online anytime on our Sales Professional Access website (www.mutualofomaha.com/broker).
Protection for Young Superheroes
With our increased maximum face
amount, improved Guaranteed Insurability Rider and Waiver of Premium Rider,
CWL can do more than ever to protect your young superheroes.
Introducing a NEW Inflation Option for SecureCare in
Giving your clients more choices
for their long-term care protection, Securian now offers four inflation
options: 3% simple, 3% compound, 5% simple and 5% compound interest.1
See how SecureCare stacks up in
compound inflation scenarios.
Short-Term HHC Video and Infographic Now Available!
GTL's Short-Term Home Health
Care Insurance consumer-facing video and infographics are here!
Click to GTL's notification to
watch the video and view the infographic.
March 1 authentication nearing, Check your listed
Extra data protection beginning
March 1, Check your login email address today!
The first time you log into MyNGLIC.com after March 1, you will be asked to
authenticate your device.
To complete this easy
authentication process, you will be sent an authentication link to the
email address in your MyNGLIC.com profile. Verify you have access to
your current listed email so you will be able to authenticate your
Once you click on the link sent
to your email inbox your device is authenticated! You only have to
authenticate your devices once and you are all set and secure!
Updates to NGL's email encryption
Beginning Tuesday, February 13,
the first time you receive a secure, encrypted email from NGL you will need
to register to view that email. NGL sends secure emails if sensitive
information is included.
If you previously registered,
you will need to register again due to this being a new encryption
View NGL's announcement for
step-by-step instructions for the first time you open your secure email.
If you like Fast and Convenient, Check This Out
Genworth now offers ePolicy Delivery as part of our eSuite of new business
ePolicy Delivery makes the sales
experience even faster and more convenient for you and your clients!
ePolicy Delivery reduces cycle times from policy approval to delivery from
weeks to days so your
clients get covered sooner and you get paid faster.
Genworth to Suspend Sales of Long Term Care Insurance in
Effective April 1, 2018,
Genworth will temporarily suspend sales of individual long term care
insurance in Florida. Genworth is working on innovative new products in
long term care insurance, life insurance and annuities, and, in
consultation with the State of Florida, will seek to re-enter the Florida
market in the future.
This change will not affect
In order to effect a smooth
transition, please note the detailed transition rules and remember that all
licensing and continuing education requirements must be met prior to
submitting new business. It is critical to follow the transition rules, as
we will not be able to make any exceptions.
Reissues – Delivery Requirements and Delivery Period
When there is a change in
benefits requested at policy delivery, the policy should not be accepted,
delivery requirements should not be signed, and money should not be
collected if premium is due. Simply notify New Business via email or phone.
We will reissue the policy with
all delivery requirements needed, including an amendment for the requested
change(s), Part II, Policy Delivery Acknowledgement or Delivery Receipt and
premium, if due.
This will replace the existing
process of completing a Coverage Change Request form or requiring an
updated and initialed Coverage Selection form prior to reissue of the
REMINDER: Underwriting Process Change for all Applicants
Effective February 26, 2018, all
applicants ages 65 and over will no longer have to complete a phone
underwriting interview. Starting February 26th, these applicants will
complete Part 2 of the application during their Paramed exam.
The TrueView Underwriting℠ material will be updated to reflect these changes.
Why Wealth + Health Works
Understanding the connection
between financial health and personal wellbeing can elevate your approach
to clients and forge stronger relationships for life — and generations to
These resources can help
illustrate the relationship between wealth + health, which can lead to
deeper client conversations with mutual benefits.
Next Round of In-force Rate Action Notifications to
Take Place in Late December
In late March, we will begin
policyholder notifications on the next round of John Hancock and Fortis
policies impacted by the in-force rate actions, which will have an
effective date beginning with anniversaries on or after July 1, 2018.
Partnership eligibility for Performance LTC (PLTC)
policyholders in Virginia
The Virginia Insurance Department
has changed the criteria for Partnership eligibility. As a result,
Performance Long-Term Care policyholders with issue ages under age 61, and
annual 3% Compound Inflation protection will now be eligible for
Partnership under the Virginia Partnership for Long-Term Care Program, as
long as the policyholder continues with the annual 3% increases.
We will be communicating to
these policyholders next week, informing them of this change, and providing
them with a Partnership Disclosure Notice to keep with their records.
Performance LTC (PLTC) declared crediting rate change
Effective March 1, 2018 the
declared crediting rate for inforce PLTC policies will change. For national
PLTC policies the declared rate will reduce from 6.00% to 5.70%. PLTC
policyholders’ Annual Statement will reflect this change.
News - Mutual of Omaha and Affiliates:
New Med Supp Product Release
Effective February 23, 2018,
you may begin selling our new competitively priced Medicare supplement in Illinois, Iowa, Nebraska
and West Virginia
underwritten by United World Life Insurance Company, an affiliate of Mutual
NE United World Outline Correction
The Nebraska United World
outline has been corrected and the app book has been updated.
2018 Rate Adjustments
View April 2018 Rate Adjustments
for United Nebraska, Oklahoma and Texas Medicare supplement.
Upcoming Med Supp Rate Adjustments
View upcoming rate adjustments
for NC, NE and PA.
• 2010 Modernized Rate Adjustment - NE
• 2010 Modernized In force Only Rate Adjustment - NC and PA
March Med Supp Rate Release
View March 2018 Rate Adjustments
on new and in-force business for 2010 Modernized Medicare supplement in Mississippi
and South Dakota.
Med SELECT Directory Update
Updates have been made to the
Mutual of Omaha, United World, United of Omaha and Omaha Insurance Company
Medicare SELECT Provider directories for the state of Texas.