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Compliance Information
Guest Need-For-LTC Article
Latest Industry News & Changes
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February 26, 2018

Update Your Contracts
Appoint With All Of
The Top Carriers


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

Remember, EVERYONE attending any of the webinars on our calendar will earn AT LEAST
50 GoldenCare Reward Points!*

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


Current GoldenCare Promotions:

Watch for our
GTL Spring Promotion,
beginning March 1st!


Avoid Delays & Returned LTCi Applications
Remember to use 6Q on the MutualCare Solutions Producer Statement to avoid commission problems. If you have made other arrangements to use another commission code, please use accordingly.
For questions, or to verify the code you're using is correct, please call 800-842-7799!

REMINDER: Partnership Certification and 4-Hour Refresher
For all LTCi agents who took their initial 8-Hour Partnership Certification prior to February 2016:
Producer requirements for training continuation states:
"A four-hour refresher course must be completed every 2 years from the date the initial training was completed."
Please be sure you have completed the necessary ongoing training before submitting new long-term care business.
Click Here for each state's training requirements.
If you have any questions, please call Licensing at 800-842-7799!


Guest Article:

“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 expense: healthcare.
“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 instant.”
LTC Comment (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.


GoldenCare Gazette

Our Winter 2018 GoldenCare Gazette Is Now Available!
Diversify 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 every meeting!
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!


Want More News?

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


Previous Issues:



Online Agent Training "Webinar" Presentations:



For The Week Of 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
(866-299-7945, PIN / access code 8754#)
in order to listen to the audio part of the presentation.



Please check to see that you meet the minimum system requirements and that you have the
equipment needed to attend before downloading the latest version of GoToWebinar.
Click Here for more information.

Click Here for the Full Schedule of All Upcoming Webinars.
Or Click Here to Access a List Of All Our Agent Training Services!





U.S. Holiday Telephone Solicitation Ban for the Month of March 2018
Please be aware of the following U.S. holiday telephone solicitation ban for the month of March.

  • On Friday, March 20, 2018: Louisiana prohibits unsolicited marketing calls to residents in observance of Good Friday


Industry Updates:



2017 Kemper Production Standings
Great News!  In 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 23, 2018
For ease and convenience use the Dental e-App located on Sales Professional Access (SPA) 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 policy.

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 (

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 New Jersey!
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 email
Extra data protection beginning March 1, Check your login email address today!
The first time you log into 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 profile. Verify you have access to your current listed email so you will be able to authenticate your devices.
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 provider.
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 tools.
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 Florida
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 existing policyholders.
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 policy.

REMINDER: Underwriting Process Change for all Applicants Ages 65+
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 come.
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.


Medicare Supplement 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 of Omaha.
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.





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