With All Of
The Top Carriers
The "Industry Best"
illustration software for Custom
& Secure Solution was recently updated to:
Here to download
Remember, EVERYONE attending any
of the webinars on our calendar will earn AT
50 GoldenCare Reward
PLUS... one lucky attendee of each webinar will earn 500
What Are GoldenCare Rewards?
* Limit 1 Reward Code Per Unique Training Event. Points Are
Subject To Change. Restrictions May Apply. Visit http://www.goldencarerewards.com/
Current GoldenCare Promotions:
Check Back Soon!
Avoid Delays & Returned LTCi
Remember to use 6Q on the MutualCare
Solutions Producer Statement to avoid commission problems. If you have made
other arrangements to use another commission code, please use accordingly.
For questions, or to verify the
code you're using is correct, please call 800-842-7799!
REMINDER: Partnership Certification and 4-Hour Refresher
For all LTCi agents who took their initial 8-Hour Partnership Certification
prior to January 2017:
Producer requirements for training continuation states:
refresher course must be completed every 2 years from the date the initial
training was completed."
Please be sure you have completed the necessary ongoing training before
submitting new long-term care business.
Here for each state's training requirements.
If you have any questions, please call Licensing at 800-842-7799!
Retirement: 10 Years Away" by Eileen Ambrose and Sandra Block, Kiplinger
“You could pay the bills out of pocket (in other words, self-insure) if you
have the assets. Or consider long-term-care insurance. Consumers often worry
that premiums will skyrocket over time or that they will buy the insurance
and never use it, says John Ryan, a CFP with Ryan Insurance Strategy
Consultants in Greenwood Village, Colo. People who bought policies decades
ago were shocked to see steep increases later. But today’s policies are more
accurately priced—meaning premiums are higher—than those issued back then,
and actuaries are not forecasting severe premium hikes in the future, says
(from Stephen A. Moses,
President, Center for Long-Term Care Reform):
Take this message—that “actuaries are not forecasting severe premium hikes in
the future”—to clients and prospects with Kiplinger as a trustworthy source.
Click Here to read the entire article.
Check out our website, www.goldencareagent.com and visit the News tab to keep
up-to-date on the Industry's News and Changes.
Training "Webinar" Presentations:
For The Week Of January 7, 2019
Click on the subject heading to
learn more about the topic.
Click the date/time to register for the presentation.
At the time of the webinar,
remember to dial in to our conference line
PIN / access code 8754#)
in order to listen to the audio part of the presentation.
Please check to see that you
meet the minimum system requirements and that you have the
equipment needed to attend
before downloading the latest version of GoToWebinar.
Here for more information.
Here for the Full Schedule of All Upcoming Webinars.
Here to Access a List Of All Our Agent Training Services!
No Current News In The Issue...
LTC Claims Materials
If clients go on claim, there is
a good chance they may be calling you for help. Mutual of Omaha has
provided materials that will help you and your client through the claims
LTCi Tax Advantages Flyer Updates
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 2019 eligible deduction
Let your clients know buying a
traditional long-term care insurance policy from Mutual of Omaha offers tax
advantages. Also, if you have clients that are small business owners, there
may be significant tax savings if they use business dollars to purchase
long-term care insurance.
Mutual of Omaha is Invested in Long-Term Care Solutions
From rolling out a Long-Term
Care rider for life policies to improving the claims process, we had a lot
going in 2018. To see what we have accomplished this past year (with your
help), read our wrap-up letter.
We appreciate all the business
you placed with us in 2018 and look forward to more success in 2019.
LTCi Underwriting Process Improvement
Starting on January 20, 2019,
your clients can use the new online scheduling portal to schedule their
telephone interview if it is needed from underwriting.
The online scheduling portal
works like this:
- Application is received by Mutual of Omaha that
includes an email address
- An email is sent out within 24 hours to the
- Email contains a link to an online telephone
interview schedule request
- Applicant selects the time and date of the
- Interview is scheduled, and confirmation sent out
If your clients do not respond
to the online email option or don’t provide an email address, the usual
process of outbound call scheduling will take place.
The Next Steps flyer has been
updated to reflect this new way to schedule the telephone interview.
The New LTC Rider is Now Approved in Indiana
On January 1, agents selling in Indiana will now have
an additional option to help meet clients’ long-term care planning needs. The new Long-Term Care Rider will be
available for you on our Income Advantage and Life Protection Advantage
Indexed Universal Life (IUL) insurance policies.
LTC Rider Brochure Now Available in Florida
On November 1, we announced the
Florida approval of the new LTC Rider on Income Advantage IUL and Life
Protection Advantage IUL. At that time, we were still awaiting approval in
Florida on the LTC Rider client brochure.
This brochure has now been
approved and a state specific version is available for agents selling in the
state of Florida.
Did You Hear the News?
The Life Product Review has
awarded the WYSIWYG Award to both of our IUL products – Income Advantage
and Life Protection Advantage. This is an award that Mutual of Omaha is
honored to receive, as it aligns with our IUL philosophy.
Accelerated Underwriting for TLA
Our Accelerated Underwriting
program for Term Life Answers is easy — Submit a Speed eTicket (drop ticket),
ExamOne contacts the client — we take care of the rest. The best part?
We'll provide an underwriting decision in 48-72 hours!
Critical Advantage Rate Decrease for Existing Policyholders
We announced earlier in 2018 the
Critical Advantage rate decrease of 20% for new customers. Now the rate
decrease will be in effect for current policyholders starting on February 1, 2019.
The rate cut for current
policyholders will be in effect in the states below on February 1, 2019:
AL, AR, CT, HI, IA, KS, KY, MD, MI, NE, NH, NJ, ND, OK, PA, SD, TN, TX, WY
Critical Advantage Rate Decrease for Existing Policyholders
We announced last month the
Critical Advantage rate decrease of 20% for current policyholders for a
handful of states. Effective March
1, 2019, the following states can be added to that list:
AZ, DE, GA, ID, IL, LA,
ME, MS, MO, NV, NM, VT and WI
More States Approved for the Critical Advantage Rate
Great news! DC, MN, NC and SC can
offer the products in the Critical Advantage℠
portfolio with a 20% rate cut starting January 1, 2019! Your clients will get
the same great coverage for less money, which could mean more sales for
The New and Improved Critical Advantage Application Now in
We announced improvements to the
Critical Advantage application in July last year. Now the new app will be
approved in Michigan
starting January 1,
Use the Critical Advantage Needs Flyer
Most of us know someone who has
had cancer, a heart attack or a stroke. The products in the Critical
AdvantageSM Portfolio cover all of these conditions. The Critical
Advantage needs flyer gets this message to clients and gets sales leads for
SecureCare multi-pay now available in IN, DE and NJ!
Thanks to our enhanced
SecureCare Universal Life, your long-term care (LTC) conversation just got
Now you can offer a long-term
care insurance option that gives your clients the flexibility, simplicity
and freedom they deserve. Our new-and-improved SecureCare is now available
in Indiana, Delaware
and New Jersey.
Consistently Competitive Med Supp Rates
GTL's Medicare Supplement
Insurance has been rated in the top 5
for overall rate competitiveness by CSG Actuarial now for the past five reports!
GTL's Medicare Supplement
Insurance plans are currently available in 27 state, with more coming soon!
Rate Action Announcements
As part of the strategy for our
long-term care insurance business, we continue pursuing initiatives to
improve the risk and profitability profile of our business, including
premium increases on our in-force policies, as needed.
— Privileged Choice® and Classic Select®
Arkansas AARP — Privileged Choice® and
New Jersey — Choice 1 with Stable
Premium Option (Alabama Group Trust Certificates)
Servicing agents will receive a
list of their impacted policyholders in this state one week prior to the
start of policyholder notifications. Policyholder notifications will begin January 15, 2019 and
will continue throughout the next year. Impacted policyholders will be
notified at least 60 days in advance of their billing anniversary dates.
Medicare News -
Mutual of Omaha and Affiliates: