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style='width:187.5pt;padding:0in 0in 0in 0in;height:18.75pt'> <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'> <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' height=40> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:18.75pt'> <td width=370 style='width:277.5pt;padding:0in 0in 0in 0in;height:18.75pt'> <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" style='border-image: none;border-bottom-style:none;border-bottom-width: medium;border-left-style:none;border-left-width:medium;border-right-style: none;border-right-width:medium;border-top-style:none;border-top-width:medium'><o:p></o:p></span></p> </td> <td width=250 style='width:187.5pt;padding:0in 0in 0in 0in;height:18.75pt; valign: middle'> <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;height:6.0pt'> <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;height:6.0pt'> <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-family:"Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'>January 20, 2020</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=3 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_i1033" src="https://goldencareagent.com/docs/images/MartinLutherKingJr-image_155x197.gif" alt="Martin Luther King, Jr Day image"><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"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";color:#1A4C8A'>&quot;Injustice anywhere</span></strong><b><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";color:#1A4C8A'><br> <strong><span style='font-family:"Lato",sans-serif'>is a threat to</span></strong><br> <strong><span style='font-family:"Lato",sans-serif'>justice everywhere.&quot;</span></strong></span></b><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"'><br> </span><em><span style='font-size:9.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";color:#1A4C8A'>- Dr. Martin Luther King, Jr</span></em><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=3 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=3556013.52141.1.9a71bab4646772eb31fcf8f36cef1121">Update Your Contracts</a><br> OR<br> <a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52142.1.dc2f8037cdde93ae86628516342ec2fe">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=3 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 <strong><span style='font-family:"Lato",sans-serif'>Custom &amp; Secure Solution</span></strong> was recently updated to:</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><strong><i><span style='font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>Version 3.62.0.0</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=3556013.52143.1.4b7fe525a1fa55efe0bfd7fac1a17bb7">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=3 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_i1037" 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 <em><span style='font-family:"Lato",sans-serif'>AT LEAST</span></em><br> <strong><span style='font-family:"Lato",sans-serif'>50 GoldenCare Reward Points!*</span></strong></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><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=3556013.52144.1.739f608315974a7a8e5bfe4d060e0d41" target=null>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=3556013.52145.1.aea994874490b761a23dde3262f2ed11">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=3 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' height=47> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0in 0in 0in 0in;word-spacing:0pt'> <p class=MsoNormal align=center style='text-align:center'><b><span style='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"'>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=3 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"'>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 <strong><span style='font-family:"Lato",sans-serif'>6Q</span></strong> 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=3 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";color:#00B2CC'>REMINDER:</span></strong><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> 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 <strong><u><span style='font-family:"Lato",sans-serif'>January 2018</span></u></strong>:<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> <strong><span style='font-family:"Lato",sans-serif'>&quot;A four-hour refresher course must be completed every 2 years from the date the initial training was completed.&quot;</span></strong><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=3556013.52146.1.7dcc2798c4905d11ecfe21e0a708a17f" 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=3 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' height=27> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0in 0in 0in 0in;word-spacing:0pt'> <p class=MsoNormal align=center style='text-align:center'><b><span style='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> <strong><span style='font-family:"Lato",sans-serif'>&quot;Long-Term Care Insurance Benefits Payments Rise: AALTCI,&quot; by Allison Bell, </span></strong><em><b><span style='font-family:"Lato",sans-serif'>ThinkAdvisor</span></b></em><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;Long-term care insurance providers paid $11 billion in benefits to 310,000 claimants in 2019. The American Association for Long-term Care Insurance (AALTCI) is reporting those figures in a new batch of LTCI market data. The total amount of LTCI benefits paid was 6.8% higher in 2019 than in 2018. The number of claimants increased just 2.3%, to 310,000. The average amount of benefits paid per claimant increased 4.4%, to about $35,500. <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> <strong><span style='font-family:"Lato",sans-serif'>LTC Comment</span></strong> (<em><span style='font-family:"Lato",sans-serif'>from Stephen A. Moses, President, Center for Long-Term Care Reform</span></em>):<br> Private LTCI is significant, but slowing. Medicaid LTC is huge and growing. Both for the same reason: Easy access to Medicaid LTC after the insurable event occurs desensitized the public to LTC risk and cost leaving them uninsured and dependent on welfare.<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=3556013.52147.1.36c4b025b24ce9b8429fbf061be2b21f" 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=3 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' height=27> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0in 0in 0in 0in;word-spacing:0pt'> <p class=MsoNormal align=center style='text-align:center'><b><span style='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=3556013.52148.1.b8248cae8f1e7466747c3f7f1de92912" 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=3 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' height=27> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0in 0in 0in 0in;word-spacing:0pt'> <p class=MsoNormal align=center style='text-align:center'><b><span style='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' height=75> <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' height=50> <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'> <p class=MsoNormal><strong><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'>" &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=3556013.52149.1.7fff4827bd976a2fb209ff8d99c2f69c" target=null>January 6, 2020</a><br> <strong><span style='font-family:"Lato",sans-serif'>" &nbsp;</span></strong> <a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52150.1.768eb5e44f5436bfce4ed67b561f5302" target=null>December 23, 2019</a><br> <strong><span style='font-family:"Lato",sans-serif'>" &nbsp;</span></strong> <a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52151.1.0cd8c89325e3a1399dd9b92ab7bead96" target=null>December 9, 2019</a><br> <strong><span style='font-family:"Lato",sans-serif'>" &nbsp;</span></strong> <a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52152.1.0b6390be9ddc0a362ebbf6f365552e7a" target=null>November 18, 2019</a><br> <strong><span style='font-family:"Lato",sans-serif'>" &nbsp;</span></strong> <a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52153.1.b9ebf1d2a2afc2fddf41b24c3423f98d" target=null>November 4, 2019</a><br> <strong><span style='font-family:"Lato",sans-serif'>" &nbsp;</span></strong> <a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52154.1.63cf52f16442ea7b1c26f3d7ec07ba26" target=null>October 21, 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; 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' height=27> <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-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' height=75> <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";color:#1A4C8A'>For The Week Of January 20, 2020</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><i><span style='font-size:18.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";color:#00B2CC'>There are no planned webinars for this week.</span></i><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-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>Visit our <a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52155.1.38884a514771d6936a3f43113567c2bc" target="_blank"><strong><span style='font-family:"Lato",sans-serif'>Pre-Recorded Training Library</span></strong></a> to get<br> on-demand training for a variety of products &amp; topics!</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-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52156.1.f651080db6706232c3d19b84e3d8a1a0">Click Here</a> for the Full Schedule of All Upcoming Webinars.<br> Or <a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52157.1.fcd94baa3a73c70f661ccdb37f8dc363">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' height=27> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0in 0in 0in 6.0pt;word-spacing:0pt'> <p class=MsoNormal><b><span style='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' height=20> <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><u><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52158.1.39f7c9c402afde0ab574a2a130aa134a" target="_blank">Holiday Telephone Solicitation Bans for the Month of February 2020</a></span></u></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 holiday telephone solicitation bans for the month of February.<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:l0 level1 lfo1;tab-stops:list .5in'><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>On <strong><span style='font-family:"Lato",sans-serif'>Monday, February 17, 2020:</span></strong> Alabama, Louisiana, Mississippi, Pennsylvania, Rhode Island, and Utah prohibit unsolicited marketing calls to residents in observance of Presidents Day<o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l0 level1 lfo1;tab-stops:list .5in'><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>On <strong><span style='font-family:"Lato",sans-serif'>Tuesday, February 25, 2020:</span></strong> Alabama and Louisiana prohibit unsolicited marketing calls to residents in observance of Mardi Gras<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=3 width="100%" align=center> </span></div> <p class=MsoNormal><strong><u><span style='font-size:10.0pt;font-family: "Cabin",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52159.1.bb81dfb8718aeb276a1c03ccffce4348" target="_blank">Updated: NAIC Shopper's Guide to Long-Term Care</a></span></u></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"'>With the ever-growing popularity of linked-benefit insurance plans, or &quot;hybrid&quot; plans, the National Association of Insurance Commissioners (NAIC) has updated their consumer publication, <em><b><span style='font-family:"Lato",sans-serif'>A Shopper's Guide to Long-Term Care Insurance</span></b></em>.</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:#82D1B5;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in' height=27> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0in 0in 0in 6.0pt;word-spacing:0pt'> <p class=MsoNormal><b><span style='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' height=75> <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 style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> <left> <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:1.8pt;mso-table-rspace:5.0pt;margin-right:3.2pt; mso-table-anchor-vertical:paragraph;mso-table-anchor-horizontal:column; mso-table-left:left;mso-padding-alt:0in 0in 0in 0in' height=82> <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'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><img border=0 id="_x0000_i1045" src="https://goldencareagent.com/docs/images/eb-MOOLogo1_122x81.gif"><o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><strong><u><span style='font-size:10.0pt;font-family: "Cabin",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52160.1.6e121c5fc3150d80b453a4056e913f65" target="_blank"></left>Updated LTCi Tax Advantages Flyers</a></span></u></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"'>A unique advantage of traditional LTCi is the tax benefits it offers to your clients. The LTCi tax advantages flyers are now updated with the 2020 eligible deduction amounts.</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=3 width="100%" align=center> </span></div> <p class=MsoNormal><strong><u><span style='font-size:10.0pt;font-family: "Cabin",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52161.1.5783c80e3f8c75de28c385015742a1ac" target="_blank">Errors and Omissions Insurance</a></span></u></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 and its affiliates (United of Omaha and United World) require Errors and Omissions Insurance in the amount of $1 million (per claim) prior to selling several insurance products, including Long-Term Care, Disability Income, Critical Illness, Medicare Advantage, Prescription Drug Plans, and more.</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=3 width="100%" align=center> </span></div> <p class=MsoNormal><strong><u><span style='font-size:10.0pt;font-family: "Cabin",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52162.1.e463e07cd7bb6e54a3781ff013d64040" target="_blank">Automated Underwriting for TLE is Here</a></span></u></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"'>Effective January 4, 2020, Automated Underwriting, our instant decision tool, was added to Term Life Express e-Applications. Now all your TLE e-Apps will receive an instant underwriting decision after the health questions are completed.</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=3 width="100%" align=center> </span></div> <p class=MsoNormal><strong><u><span style='font-size:10.0pt;font-family: "Cabin",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52163.1.02a4ae817130408d2d9efe4585efc93a" target="_blank">Prepaid Debit Card Refresher</a></span></u></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"'>Some clients request to use a prepaid debit card or account to pay for their life insurance policy. While these cards can be convenient for the client, they can be tricky when processing recurring premium payments.</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=3 width="100%" align=center> </span></div> <p class=MsoNormal><strong><u><span style='font-size:10.0pt;font-family: "Cabin",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52164.1.5cf6f24afee49c0927d9cdf278fab107" target="_blank">Our IUL Philosophy: Simplicity and Transparency</a></span></u></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"'>One of the things that sets our Life Protection IUL and Income Advantage IUL products apart are their simplicity of design. At United of Omaha, we do not believe that you need fancy (<em><span style='font-family:"Lato",sans-serif'>and oftentimes confusing</span></em>) crediting strategies in order to offer your clients upside potential.</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"'>At United of Omaha, we also have a goal to be as transparent as possible in our IUL renewal rate setting process. We continue to provide you with our historical index interest rates, as well as our renewal participation rates and caps.</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=3 width="100%" align=center> </span></div> <p class=MsoNormal><strong><u><span style='font-size:10.0pt;font-family: "Cabin",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52165.1.2a01052bb56c2ba1e0579154050689ee" target="_blank">New Replacement Notice for DI and Critical Advantage Products (LA)</a></span></u></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"'>A replacement form is now required for your customers in <strong><span style='font-family:"Lato",sans-serif'>Louisiana</span></strong> who wish to replace their existing Disability Income or Critical Advantage coverage with a policy from Mutual of Omaha. Please see the chart within the announcement for important effective dates.</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=3 width="100%" align=center> </span></div> <p class=MsoNormal><strong><u><span style='font-size:10.0pt;font-family: "Cabin",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52166.1.86dd3f56df3b278ea5f23ba65afc6fbf" target="_blank">Updated Critical Advantage® Portfolio Material is Coming</a></span></u></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"'>It s a new year! To celebrate we ve redesigned marketing material for the Critical Advantage Portfolio which will be available on <u>January 21st, 2020</u>.</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=3 width="100%" align=center> </span></div> <p class=MsoNormal><strong><u><span style='font-size:10.0pt;font-family: "Cabin",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52167.1.ff6bd7bcd11384c98d731e0704c3f246" target="_blank">Update on Policy Delivery for your Critical Advantage Customers</a></span></u></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"'>Good News! We are happy to announce effective January 20, 2020, applications for your Critical Advantage clients will include an option for the policy to be mailed directly to your customers.</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"'>This will eliminate the need for you to use your time and expense on policy delivery. It can also ensure accurate and faster policy delivery for your customers.</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' height=75> <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 style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> <left> <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:1.8pt;mso-table-rspace:5.0pt;margin-right:3.2pt; mso-table-anchor-vertical:paragraph;mso-table-anchor-horizontal:column; mso-table-left:left;mso-padding-alt:0in 0in 0in 0in' height=41> <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'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><img border=0 id="_x0000_i1053" src="https://goldencareagent.com/docs/images/eb-Securian18-Logo_152x43.gif"><o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><strong><u><span style='font-size:10.0pt;font-family: "Cabin",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52168.1.9a13497e990371e131e7824d0bef2783" target="_blank"></left>Now more of your clients can qualify. Here s why.</a></span></u></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 recently enhanced underwriting guidelines for individuals with type 2 diabetes, pre-diabetes or a history of gestational diabetes. Family history guidelines have also been updated, and applicants with sleep apnea can now be eligible for better than standard rates.</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=3 width="100%" align=center> </span></div> <p class=MsoNormal><strong><u><span style='font-size:10.0pt;font-family: "Cabin",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52169.1.fd4df382c539dc57ecd6a8692e0be981" target="_blank">Securian Financial Expanded Hours Of Service</a></span></u></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"'>At Securian Financial, we are always looking for ways to better serve you and your clients. That s why we are happy to announce that our Enterprise Contact Center for Individual life and annuity is expanding its hours of service, beginning January 2, 2020!</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=3 width="100%" align=center> </span></div> <p class=MsoNormal><strong><u><span style='font-size:10.0pt;font-family: "Cabin",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52170.1.ea18c4578542df10213d628fa120fb28" target="_blank">NEW! Flex pay fee now removed</a></span></u></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 excited to announce that effective January 2, 2020, we will no longer be charging clients a fee, to make a life insurance payment over the phone or on the eService Center.</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' height=75> <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 style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> <left> <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:1.8pt;mso-table-rspace:5.0pt;margin-right:3.2pt; mso-table-anchor-vertical:paragraph;mso-table-anchor-horizontal:column; mso-table-left:left;mso-padding-alt:0in 0in 0in 0in' height=41> <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'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><img border=0 id="_x0000_i1056" src="https://goldencareagent.com/docs/images/eb-GTL-Logo_152x40.gif"><o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><strong><u><span style='font-size:10.0pt;font-family: "Cabin",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52171.1.e7811c9c344753ca95f5524ede7bcd01" target="_blank"></left>2020 New Year s Resolution: Follow Up</a></span></u></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"'>If you presented your clients a health plan with co-pays, do they have the resources to pay for the potential out-of-pocket costs?</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 it your resolution to follow up with your Medicare Advantage and Health Insurance clients and present them a way to help minimize their exposure, with GTL's Advantage Plus Hospital Indemnity Insurance.</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=3 width="100%" align=center> </span></div> <p class=MsoNormal><strong><u><span style='font-size:10.0pt;font-family: "Cabin",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52172.1.fa3baf5d02b464824666f494c0c5a2ca" target="_blank">Attention All New Jersey Agents | Important Notice</a></span></u></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"'>Due to regulatory requirements, effective immediately we are temporarily suspending Medicare Supplement Sales in New Jersey. We will notify you when the suspension has been lifted.</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' height=75> <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 style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> <left> <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:1.8pt;mso-table-rspace:5.0pt;margin-right:3.2pt; mso-table-anchor-vertical:paragraph;mso-table-anchor-horizontal:column; mso-table-left:left;mso-padding-alt:0in 0in 0in 0in' height=41> <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'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><img border=0 id="_x0000_i1058" src="https://goldencareagent.com/docs/images/eb-Kemper-2019logo_152x32"><o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><strong><u><span style='font-size:10.0pt;font-family: "Cabin",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52173.1.6b58e0ef0c60b9d92cd70c9d7996e7f2" target="_blank"></left>Kemper Senior Solutions Product Discontinuation Announcement</a></span></u></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"'>After thoughtful review and consideration, Kemper has made the decision to discontinue new business sales within the Kemper Senior Solutions market segment. Be assured, all existing in-force business will continue to receive the same high standard of service they have come to expect.</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"'>This change will take effect <strong><span style='font-family:"Lato",sans-serif'>January 1, 2020, for Life products</span></strong>. All applications for Life products received prior to December 31, 2019, with effective dates on or before December 31, will be accepted and processed.</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"'>We will continue to take business on the <strong><span style='font-family:"Lato",sans-serif'>Home Health Care product</span></strong> through <strong><span style='font-family: "Lato",sans-serif'>March 31, 2020</span></strong>.</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' height=75> <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 style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character:line-break'> <![endif]><o:p></o:p></span></p> <left> <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:1.8pt;mso-table-rspace:5.0pt;margin-right:3.2pt; mso-table-anchor-vertical:paragraph;mso-table-anchor-horizontal:column; mso-table-left:left;mso-padding-alt:0in 0in 0in 0in' height=68> <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'> <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-Trans-Logo_150x63.gif"><o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><strong><u><span style='font-size:10.0pt;font-family: "Cabin",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52174.1.a5ad0425c07d12d81d7dd25568d9bb98" target="_blank"></left>New, Rebranded Transamerica Assets Now Available</a></span></u></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"'>We have new, rebranded agent-use and consumer-facing assets available on online! The rebrand includes headlines that pop, lively images, and eye-catching call outs.</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=3 width="100%" align=center> </span></div> <p class=MsoNormal><strong><u><span style='font-size:10.0pt;font-family: "Cabin",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52175.1.5041d2e77e7bbf308794428da36f7fda" target="_blank">New minimums apply for partnership policies for 2020</a></span></u></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><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Connecticut Partnership:</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> Daily Minimum Benefit of $291 for TransCare II.<br> For older plans, it is $291 for Nursing Home Benefit, $145.50 for Home and Community Based Benefit.</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><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Indiana Partnership:</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> Daily Minimum is still $115, Pool of Money Minimum of $409,537 in order to earn total asset protection.</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' height=27> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0in 0in 0in 6.0pt;word-spacing:0pt'> <p class=MsoNormal><b><span style='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' height=30> <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><u><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52176.1.634c32bb1309adafed20e5fe57b0f8a8" target="_blank">Upcoming Rate Adjustments</a></span></u></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 FL, MO, NE, and NV.</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><u><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52177.1.ae098f1befe4d3628f2e427bd9d4e437" target="_blank">Plan D and High Deductible G Now Available in New Jersey</a></span></u></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 1/1/20, two new plans are available for Medicare supplement sales in New Jersey.</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><u><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52178.1.67e3281b193f10c9121e9e6c543b2302" target="_blank">Medicare Advantage and PDP Bits and Pieces</a></span></u></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"'>Review the latest updates regarding, comp, case monitoring and contact information for our Medicare Advantage and PDP products.</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><u><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52179.1.32484c524c55041c155c7620810547b2" target="_blank">Upcoming Rate Adjustments-March 2020</a></span></u></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 IL, IA, MI, SD and WV.</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><u><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52180.1.10a385975cdce6daa873ac831176da38" target="_blank">Spotlight on Dental- The Need</a></span></u></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"'>If you are not selling dental to your Medicare supplement clients, you may be missing the opportunity to help meet one of their important healthcare needs.</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><u><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52181.1.8bc7c29c77e8f8166da7cfcc1e1691ed" target="_blank">2020 Marketing Credits Program</a></span></u></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"'>Learn how you can earn extra cash for your Medicare supplement and dental sales.</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><u><span style='font-size:10.0pt;font-family:"Cabin",sans-serif; mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52182.1.fb63b9ef1efd2e674b0380a489dfca2a" target="_blank">MA/PDP Reminders</a></span></u></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"'>Some reminders regarding comp, case monitoring and contact information for our Medicare Advantage and PDP products.</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;height:6.0pt'> <td width=654 colspan=2 style='width:480.0pt;background:#00B2CC;padding:0in 0in 0in 0in; height:6.0pt'> <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> </td> </tr> <tr style='mso-yfti-irow:6;height:18.75pt'> <td width=654 colspan=2 style='width:480.0pt;background:#1A4C8A;padding:0in 0in 0in 0in; height:18.75pt'> <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;height:22.5pt'> <td width=654 colspan=2 style='width:480.0pt;padding:0in 0in 0in 0in; height:22.5pt'> <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' height=189> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:18.75pt'> <td width=324 style='width:239.25pt;padding:0in 0in 0in 0in;height:18.75pt'> <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;height:18.75pt'> <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";color:#00B2CC;letter-spacing:-.5pt'>Your Success Is Our Priority</span></strong><span style='mso-fareast-font-family:"Times New Roman"; 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height:22.5pt'> <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' height=49> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:22.5pt'> <td width=424 style='width:318.0pt;padding:0in 0in 0in 0in;height:22.5pt'> <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'>G<span style='font-variant:small-caps'>olden</span>C<span style='font-variant:small-caps'>are</span>&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=3556013.52184.1.b10f89429e30d3d2868f3ab1248e970b"><span style='color:#969696'>www.goldencareagent.com</span></a>&nbsp;&nbsp;&nbsp;|&nbsp;&nbsp;&nbsp;<a href="http://www.goldencareagentmail.com/c/45290?id=3556013.52185.1.60170006315ee1b57da74ae77b231956"><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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