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src="http://assoctemp.goldencareusa.com/marketing/Icon-YouTube_32x32.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'></span></a></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:1;height:18.75pt'> <td width=654 colspan=2 style='width:480.0pt;background:#1A4C8A;padding:0in 0in 0in 0in; height:18.75pt'> <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=20> <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"'>&nbsp;<o:p></o:p></span></p> </td> <td width=250 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_i1032" src="http://assoctemp.goldencareusa.com/marketing/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"'>March 18, 2019</span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:2.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=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=2868098.41137.1.ee139f3f97be5debcc9da0598800f416">Update Your Contracts</a><br> OR<br> <a href="http://www.goldencareagentmail.com/c/45290?id=2868098.41138.1.4ee3a2a9a69b007a6343699054371209">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 3.58.0.0</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=2868098.41139.1.d780abb8bcff6ab65ba287c788ffc697">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_i1036" src="http://assoctemp.goldencareusa.com/marketing/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=2868098.41140.1.2cd56b6bf8baefd44e6206860bc0eae9" 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=2868098.41141.1.77d4ff9148c367724b040877abb98457">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><span style='font-size:10.0pt;font-family:"Segoe UI Symbol",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Segoe UI Symbol"; color:#FDB900'>&</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=2868098.41142.1.75d6ffe0f725f55f7fea38b6a7c04f95" target="_blank">Omaha: Bonus on Increased Production</a><br> <em><span style='font-family:"Lato",sans-serif'>Q4-2018 Producers</span></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"'><br> </span><span style='font-size:10.0pt;font-family:"Segoe UI Symbol",sans-serif; mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Segoe UI Symbol"; color:#FDB900'>&</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=2868098.41143.1.d57c4efb14316899346f8557d4c24166" target="_blank">March Madness Bonus</a><br> <em><span style='font-family:"Lato",sans-serif'>All other Agents</span></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> <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'>March 2017</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=2868098.41144.1.e7e9173fe4b3706dcf077c70cf38fabc" 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;More Consumers Are Counting on Help From LTCI: Bankers Life Arm,&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>  Insurers may be retreating from the U.S. private long-term care insurance market, but more older Americans are hoping LTCI will help them cover long-term care costs. The percentage of older, middle-income Americans who expect to use LTCI coverage to pay for long-term care has increased to 17% this year, from 13%, according to new survey data from a research arm of Bankers Life and Casualty Company. Hope that LTCI coverage will pay the bills has increased even though only 12% of the survey participants said they have purchased LTCI coverage. <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> Hope springs eternal.<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> <a href="http://www.goldencareagentmail.com/c/45290?id=2868098.41145.1.727766f11d5a8fa0b6b3699dc6269e28" 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=2868098.41146.1.26b71589eb69fe0580ee144b01e4a176" 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=2868098.41147.1.8949183ef818820c6accc870af1da701" target=null>March 4, 2019</a><br> <strong><span style='font-family:"Lato",sans-serif'>" &nbsp;</span></strong> <a href="http://www.goldencareagentmail.com/c/45290?id=2868098.41148.1.bd3828c37e70b01dbaebe67eeb05a3bb" target=null>February 18, 2019</a><br> <strong><span style='font-family:"Lato",sans-serif'>" &nbsp;</span></strong> <a href="http://www.goldencareagentmail.com/c/45290?id=2868098.41149.1.11f53e19baa486a8b0cc441af0c5918d" target=null>February 4, 2019</a><br> <strong><span style='font-family:"Lato",sans-serif'>" &nbsp;</span></strong> <a href="http://www.goldencareagentmail.com/c/45290?id=2868098.41150.1.ea3e777062f791cd2b4430409154d755" target=null>January 21, 2019</a><br> <strong><span style='font-family:"Lato",sans-serif'>" &nbsp;</span></strong> <a href="http://www.goldencareagentmail.com/c/45290?id=2868098.41151.1.9326dfc61f52178f1defdead5283f3b2" target=null>January 7, 2019</a><br> <strong><span style='font-family:"Lato",sans-serif'>" &nbsp;</span></strong> <a href="http://www.goldencareagentmail.com/c/45290?id=2868098.41152.1.54c4203e84bff6c26402b49ab1e2a42c" target=null>December 17, 2018</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 March 18, 2019</span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Click on the subject heading to learn more about the topic.<br> Click the date/time to register for the presentation.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size: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=3 cellpadding=0 width=0 style='width:351.0pt;mso-cellspacing:1.5pt;mso-yfti-tbllook:1184' height=40> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=162 style='width:120.0pt;padding:.75pt .75pt .75pt .75pt; border:currentColor;border-image: none;word-spacing:0pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'><img border=0 id="_x0000_i1043" src="http://goldencareagent.com/docs/images/eb-MOOLogo1_122x81.gif"><o:p></o:p></span></p> </td> <td width=306 style='width:231.0pt;padding:.75pt .75pt .75pt 0in; border:currentColor;border-image: none;word-spacing:0pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=2868098.41153.1.10c56ab337a41f98503486b31c57560a" target=null><b><i><span style='font-family:"Lato",sans-serif'>Mutual of Omaha LTCi Product &amp; Software Combo Training</span></i></b></a><br> </span><span style='font-size:3.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=2868098.41154.1.5d0674232acb2bf49dab7e61148d8b34">Wed, March 20, 2019 2:00 PM&nbsp; to&nbsp; 2:30 PM CDT</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: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=3 cellpadding=0 width=0 style='width:351.0pt;mso-cellspacing:1.5pt;mso-yfti-tbllook:1184' height=40> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=163 style='width:120.0pt;padding:.75pt .75pt .75pt .75pt; border:currentColor;border-image: none;word-spacing:0pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'><img border=0 id="_x0000_i1044" src="http://goldencareagent.com/docs/images/Post-It-Note-RSVP-2_152x143.jpg"><o:p></o:p></span></p> </td> <td width=305 style='width:231.0pt;padding:.75pt .75pt .75pt 0in; border:currentColor;border-image: none;word-spacing:0pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=2868098.41155.1.d0c7fa8505ece293723f3e903877c2f6" target=null><b><i><span style='font-family:"Lato",sans-serif'>NEW!! Mutual of Omaha LTCi e-App Demonstration</span></i></b></a><br> </span><span style='font-size:3.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=2868098.41156.1.a46c721bae2d1785413aac119bb74bbb">Thurs, March 21, 2019 2:00 PM&nbsp; to&nbsp; 2:30 PM CDT</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:1.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><em><span style='font-size:8.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Please check to see that you meet the minimum system requirements and that you have the</span></em><i><span style='font-size:8.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'><br> <em><span style='font-family:"Lato",sans-serif'>equipment needed to attend before downloading the latest version of GoToWebinar.</span></em><br> <em><span style='font-family:"Lato",sans-serif'><a href="http://www.goldencareagentmail.com/c/45290?id=2868098.41157.1.425b257962d26aa8735b9afd8bb7217f">Click Here</a> for more information.</span></em></span></i><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=2868098.41158.1.a8e26cdfa56998644c63e270e9df2415">Click Here</a> for the Full Schedule of All Upcoming Webinars.<br> Or <a href="http://www.goldencareagentmail.com/c/45290?id=2868098.41159.1.7019ca048fd1c71eddde4f6b276cbd33">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=2868098.41160.1.5474ca934c21b1416476b6e9cdd8c06b" target="_blank">Holiday Telephone Solicitation Bans for the Month of April 2019</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 holiday telephone solicitation bans for the month of April 2019.<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'>Friday, April 19, 2019:</span></strong> Louisiana prohibits unsolicited marketing calls to residents in observance of Good Friday<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'>Sunday, April 21, 2019:</span></strong> Louisiana prohibits unsolicited marketing calls to residents in observance of Easter<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'>Monday, April 22, 2019:</span></strong> Alabama prohibits unsolicited marketing calls to residents in observance of Confederate Memorial 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'>Monday, April 29, 2019:</span></strong> Mississippi prohibits unsolicited marketing calls to residents in Observance of Confederate Memorial Day<o:p></o:p></span></li> </ul> </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:97.5pt;padding:0in 0in 0in 0in'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><img border=0 id="_x0000_i1045" src="http://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=2868098.41161.1.a56c609e7cec6d3edcf67c4fb4da9955" target="_blank"></left>New Long-term Care Product and Underwriting Guides</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"'>Did you know our newly redesigned LTC marketing materials include new Product and Underwriting Guides? No longer one combined, the new LTC Product and Underwriting Guides are split into smaller sized, standalone booklets so you can take them with you while in the field.</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=2868098.41162.1.8ab3790ccde7c6e2d5301c8048a2c96c" target="_blank">The Power of Care Coordination Benefit</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"'>Once an insured files a claim, a care coordinator may be assigned to help manage their long-term care needs. The care coordinator becomes the point of contact to help arrange services and ensure all needs are met.</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"'>Best of all: This benefit is built in to both the MutualCare</span><sup><span style='font-size:8.5pt; font-family:"Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'>®</span></sup><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> Custom and Secure Solutions, and the elimination period does not need to be satisfied in order to use the Care Coordination services.</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=2868098.41163.1.c74917821adf0d24085d64a8cc77cc37" target="_blank">Target Small Business Owners with Tax Advantages of LTCi</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"'>Long-term care insurance also offers significant tax advantages. Premiums may be tax-deductible, and policy benefits may be tax-free. It s tax season, and this is a great way to begin conversation with small-business owners!</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=2868098.41164.1.e7a2c9ffd47e0b51d7ecef5236a627e5" target="_blank">LTCi Career Development Program</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"'>The MutualCare</span><sup><span style='font-size:8.5pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>®</span></sup><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'> Solutions Long-term Care Insurance Career Development Program has been developed to offer a proven, structured methodology to master the knowledge and skills to sell our long-term care products.</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=2868098.41165.1.be382088cce8fc5ff23630fd0b523aee" target="_blank">LTC13 New York Issue Age 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"'>Effective March 1, 2019, the maximum issue age for LTC13 in the state of New York is age 75. Any application received on or after March 1, 2019, with the client over the age of 75, will be ineligible for coverage. This change impacts New York only. Other states will not be affected.</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=2868098.41166.1.3dc8f6f5707cbb7a4268f3d52e50588c" target="_blank">Our Term Upsell Program Gives You New Opportunities</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"'>Agents who are consistently talking to their client about the upsell offer have found great success. Since offering the upsell opportunities, we ve had a <em><span style='font-family:"Lato",sans-serif'>15 percent acceptance rate with the average increase being just over $275,000 per case</span></em>.</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=2868098.41167.1.52086118836a4d6804c3d3c4942c69b0" target="_blank">Help Your IUL Clients Prepare for Their Annual Statements</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"'>An important part of selling an IUL policy is helping your clients prepare for what to expect when they receive their annual statement. Preparing your clients in advance will hopefully result in fewer unanswered questions when they reach their policy anniversary. We have provided the answers to a few of the questions clients typically have on their first annual statement.</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=2868098.41168.1.446bd5c7e0135b14f58c748146d6037b" target="_blank">The New LTC Rider is Now Approved in New Jersey</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"'>On March 15, agents selling in New Jersey will now have an additional option to help meet clients long-term care planning needs. <strong><span style='font-family:"Lato",sans-serif'>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</span></strong>.</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=2868098.41169.1.b9aaec81cad2bbd4ec37bf218e91c248" target="_blank">Learn What Makes Our IUL Products Unique</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"'>When it comes to indexed universal life insurance products, there are many different designs. Our IUL Portfolio Overview flyer provides information on what makes our Income Advantage and Life Protection Advantage IUL products unique in the industry.</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=2868098.41170.1.82fa3bac48b2d72c8134b792a25938aa" target="_blank">Automated Underwriting Update</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"'>This week s tip is to make sure not to move too quickly through the client information screens for Living Promise e-Applications. Take your time and make sure you are entering all of your client s personal information correctly.</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=2868098.41171.1.da73ba97eef5981bfad3d4e28911bd60" target="_blank">Critical Advantage Rate Decrease for Existing Policyholders (Ohio)</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"'>Another state has approved the Critical Advantage rate decrease of 20% for current policyholders. Effective <strong><span style='font-family:"Lato",sans-serif'>May 1, 2019</span></strong>, the rates for existing policyholders in <strong><span style='font-family: "Lato",sans-serif'>Ohio</span></strong> will be reduced by 20%.</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=2868098.41172.1.b40bc0192998161623f208efaeb107b9" target="_blank">Update on the Critical Advantage Rate Decrease for New Applications</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"'>Great news! <strong><span style='font-family:"Lato",sans-serif'>Alaska, California, Indiana,</span></strong> and <strong><span style='font-family:"Lato",sans-serif'>Massachusetts</span></strong> can offer the products in the Critical Advantage portfolio with a 20% rate cut starting <strong><span style='font-family:"Lato",sans-serif'>April 1, 2019</span></strong>. Your clients will get the same great coverage for less money, which could mean more sales for you.</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=2868098.41173.1.26ba7afff945dd3e18bbaa184a8677f0" target="_blank">Updated Critical Advantage Application Now Approved in Another State (California)</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 announced the first states to approve the updated Critical Advantage application in July, 2018. Now, the new and improved application will be available in <strong><span style='font-family:"Lato",sans-serif'>California</span></strong> starting <strong><span style='font-family:"Lato",sans-serif'>April 1, 2019</span></strong>.</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=2868098.41174.1.657068811f895b4c391070aa723b3607" target="_blank">Critical Advantage Has Coverage for the Whole Family</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"'>All the products in the Critical Advantage portfolio offer individual, individual plus children and family coverage. Family coverage includes your client s partner and all dependents who are under age 26..</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> </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_i1059" src="http://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=2868098.41175.1.822aea217a8e896b2a8dfda57e0ea3c3" target="_blank"></left>GTL Short-Term Home Health Care Application Update (IL &amp; OK)</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"'>REMINDER: Guarantee Trust Life Insurance Company (GTL) has revised the Illinois and Oklahoma Short-Term Home Health Care applications, to include questions for the Critical Accident Rider. This change is effective immediately. The Agent and E-Application platforms have also been updated.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:1.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=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=2868098.41176.1.6a7afa019fa2dd7f4d704d8a97602443" target="_blank">Advantage Plus Fillable Postcard 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"'>Download GTL's NEW Advantage Plus</span><sup><span style='font-size:8.5pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>®</span></sup><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> postcard, type in your and your client's information, print if off, and you now have another way of easily reaching out to your clients!</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:1.75in;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=60> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=168 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_i1061" src="http://www.goldencareagent.com/docs/images/eb-NGL-Logo_152x62.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=2868098.41177.1.996eb55c21c7f04cbc045bd6723a47a6" target="_blank"></left>EssentialLTC Partnership Exchange Mailings in 4 States</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"'>With the recent Partnership policy approval in select states, we are happy to announce that the exchange of eligible National Guardian Life (NGL) EssentialLTC policies is scheduled to occur in the following four states: ME, MO, NC and NV.</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"'>Eligible insureds will receive a letter informing them their policy is now Partnership qualified, along with a revised Policy Schedule Page and a Partnership Disclosure Statement. The writing agent will also receive a copy of the exchange letter.</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"'>EssentialLTC policyholders who did not purchase the inflation protection required for Partnership eligibility will receive an Ineligible Notification Letter.</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_i1062" src="http://www.goldencareagent.com/docs/images/eb-Genworth-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=2868098.41178.1.9278a0817a0e26c6407c540ca6a6915a" target="_blank"></left>Suspension of All Individual Long Term Care Insurance and Income Assurance Annuity Sales Through the BGA Channel Effective March 11, 2019</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 Monday, March 11, 2019, Genworth will temporarily suspend sales of individual long term care insurance and the Income Assurance annuity through the BGA channel in all states. We will continue to sell these products through other channels.</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"'>Effective Monday, March 11, 2019, the Genworth companies will no longer accept new applications from the BGA channel for our individual long term care insurance or annuity products, including:<o:p></o:p></span></p> <ul type=disc> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l1 level1 lfo2;tab-stops:list .5in'><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>Privileged Choice</span><sup><span style='font-size:8.5pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>®</span></sup><span style='font-size:10.0pt; font-family:"Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'> Flex<o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l1 level1 lfo2;tab-stops:list .5in'><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>Privileged Choice</span><sup><span style='font-size:8.5pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>®</span></sup><span style='font-size:10.0pt; font-family:"Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'> Flex 2<o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l1 level1 lfo2;tab-stops:list .5in'><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>Privileged Choice</span><sup><span style='font-size:8.5pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>®</span></sup><span style='font-size:10.0pt; font-family:"Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'> Flex 3<o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l1 level1 lfo2;tab-stops:list .5in'><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>Privileged Choice</span><sup><span style='font-size:8.5pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>®</span></sup><span style='font-size:10.0pt; font-family:"Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'> Flex 3 - Element<o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l1 level1 lfo2;tab-stops:list .5in'><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>Income Assurance Immediate Need Annuity<o:p></o:p></span></li> </ul> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>This change does <strong><span style='font-family:"Lato",sans-serif'>NOT</span></strong> affect renewal commissions for in-force business, pending business or related compensation, in-force policyholder servicing, or in-force policy contractual provisions and benefits such as conversion rights.</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"'>Existing customers and their benefits will not be impacted by this change, and Genworth s commitment to them remains as strong as ever.</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";color:blue'>In-Force Rate Action Announcements</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"'>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.</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"'>Click the links below to view each In-Force Rate Action Announcement:</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"'><a href="http://www.goldencareagentmail.com/c/45290?id=2868098.41179.1.d7f4ef2dd66b01171bdc6e2264975c4b" target="_blank">North Carolina</a></span></strong><span style='font-size: 10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'>  PCS I<br> <strong><span style='font-family:"Lato",sans-serif'><a href="http://www.goldencareagentmail.com/c/45290?id=2868098.41180.1.2d244129c641de90d8086c238ca27242" target="_blank">Oklahoma</a></span></strong>  Privileged Choice® and Classic Select®</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"'>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 <strong><span style='font-family:"Lato",sans-serif'>March 19, 2019</span></strong> and will continue throughout the next year. Impacted policyholders will be notified at least 60 days in advance of their billing anniversary 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> </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:3.0pt;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=2868098.41181.1.ab4491c0c3f581d3dfe455a9cf389141" target="_blank">Upcoming Med Supp 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"'>Please view the upcoming Med supp rate adjustments in AZ, AL, CO, MD, MS, NM, OR, SD, and TN.</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=2868098.41182.1.56b9933334335187900953257abba403" target="_blank">Upcoming Med Supp 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"'>Please view the upcoming Med supp rate adjustments in AL, MS, NJ, TN and UT.</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=2868098.41183.1.488281fe9fcc48576a086859fb1e6057" target="_blank">Med Supp Modernized Rate Release</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"'>Please view the Modernized Rate Release in KY, NV and UT.</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=2868098.41184.1.4a1010cd4e05e6bd974238d61ded8aac" target="_blank">CMS Has Mailed All New Medicare Cards!</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"'>The Center for Medicaid and Medicare Services (CMS) states that all new cards have been mailed to individuals with Medicare.</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=2868098.41185.1.d77c7ac069831e5e179aeab0812acde3" target="_blank">Med Supp Conference Discount</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"'>During March and April, use our special Mutual of Omaha discount code and receive $200 off your registration.</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=2868098.41186.1.b94ea39e1582bd2db5c327865bb2240a" target="_blank">PDP& Give the People What They Want Webinar Questions</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"'>During each broadcast, you will be able to ask questions through our Q &amp; A board. Then the following week in Express, we will publish our responses. Following are the questions we received during the February 26 webinar.</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=2868098.41187.1.2c60c73140b65e80f5cffcedf9b9422d" target="_blank">MA/PDP Producer Guide Release</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"'>We've created a producer guide for the Medicare Advantage and Prescription Drug Plan products that will help guide you through all the processes for selling these 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=2868098.41188.1.364453bb4cdf6fe44b7dec36cfc02f5d" target="_blank">Upcoming Med Supp 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"'>Please view the upcoming Med supp rate adjustments in CA and LA.</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_i1064" src="http://assoctemp.goldencareusa.com/marketing/GC_Black-eb_287x71.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=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"; letter-spacing:-.5pt'><br> </span><span style='font-size:4.0pt;mso-fareast-font-family:"Times New Roman"; letter-spacing:-.5pt'>&nbsp;</span><span style='mso-fareast-font-family: "Times New Roman";letter-spacing:-.5pt'><br> </span><span style='font-size:14.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";letter-spacing:-.5pt'>Not Yet Contracted?<br> <a href="http://www.goldencareagentmail.com/c/45290?id=2868098.41189.1.6dc951e3caed2aa2795d86ffb6da6230">Click here to get started!</a></span><span style='mso-fareast-font-family:"Times New Roman"; letter-spacing:-.5pt'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1;height:18.75pt'> <td width=650 colspan=2 style='width:478.5pt;padding:0in 0in 0in 0in; height:18.75pt'> <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_i1065" src="https://goldencareagent.com/docs/images/GC-Brand-DIVIDER_639x13.jpg" 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> </tr> <tr style='mso-yfti-irow:2;mso-yfti-lastrow:yes;height:22.5pt'> <td width=650 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: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=414 style='width:310.5pt;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;<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'>&nbsp;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> &nbsp;Toll-Free: 800-842-7799&nbsp;&nbsp;&nbsp;|&nbsp;&nbsp;&nbsp;Fax: 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