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March 26, 2018

Update Your Contracts
Appoint With All Of
The Top Carriers


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

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

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


Current GoldenCare Promotions:

GTL Spring Promo

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

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


Guest Article:

“6.6% of those 65+ need help with ADLs, says CDC,” by Lois A. Bowers, McKnight's Senior Living
“From January to September 2017, 6.6% of adults aged 65 or more years needed help with activities of daily living (also called personal care), according to data newly released by the Centers for Disease Control and Prevention's National Center for Health Statistics. . . . Comparing age groups from January to September 2017, however, adults aged 85 or more years were more than twice as likely as adults aged 75 to 84 to need help with personal care from other people — 21.6% versus 7.9% — and adults aged 85 or more years were more than six times as likely as adults aged 65 to 74 (3.2%) to need help with ADLs from other people. This finding was in keeping with the center's recent surveys.”
LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform):
It behooves LTCI producers to remind prospects and clients of this data—the need for long-term care increases with age, so get protection ASAP.
Click Here to read the entire article.


Want More News?

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


Previous Issues:



Online Agent Training "Webinar" Presentations:



For The Week Of March 26, 2018
Click on the subject heading to learn more about the topic.
Click the date/time to register for the presentation.

At the time of the webinar, remember to dial in to our conference line
(866-299-7945, PIN / access code 8754#)
in order to listen to the audio part of the presentation.



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

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





U.S. Holiday Telephone Solicitation Bans for the Month of April 2018
Please be aware of the following U.S. holiday telephone solicitation bans for the month of April.

  • On Sunday, April 1, 2018: Louisiana prohibits unsolicited marketing calls to residents in observance of Easter, however, state law already prohibits telephone solicitation on Sundays
  • On Monday, April 23, 2018: Alabama prohibits unsolicited marketing calls to residents in observance of Confederate Memorial Day
  • On Monday, April 30, 2018: Mississippi prohibits unsolicited marketing calls to residents in observance of Confederate Memorial Day

Ohio Severe Storms – Disaster Notification
Area(s) affected: Ohio Counties: Adams, Athens, Belmont, Brown, Clermont, Columbiana, Gallia, Hamilton, Hocking, Jackson, Jefferson, Lawrence, Meigs, Monroe, Muskingum, Scioto and Washington.
Start date: February 19, 2018   &nsbsp;       End date: May 24, 2018
Mutual of Omaha is in the process of identifying customers affected by this event. A special note will be added to these policies in the near future. The grace period will be extended by an additional 30 days on affected policies as well as a message being added to our eService tool. We will exercise leniency in dealing with our customers that have been affected and allow exceptions to contract requirements when our customers are displaced from their homes. Please keep this in mind when working with our customers.


Industry Updates:



Mutual of Omaha Reports 2017 Financial Results
OMAHA, Neb. – Mutual of Omaha today reported record 2017 GAAP pre-tax operating income of $554.8 million on revenues of $8.7 billion, compared with operating income of $526.3 million on revenues of $7.9 billion in 2016.

Net income after taxes was $862.6 million, compared with $356.6 million in 2016. Net income for 2017 included non-recurring net favorable items of $469.4 million related to the Tax Cuts and Jobs Act.
“Mutual of Omaha is a financially strong organization,” said Chairman and CEO James Blackledge. “As a mutual company, we exist for our policyholders. Profitable growth enables us to maintain the financial strength necessary to give our customers peace of mind knowing that we’ll be here to pay the benefits promised to them in our policies.”

Quick Tip: Quoting with MutualCare® Solutions Software
Scenario: Your clients are considering a Custom Solution long-term care insurance plan with Mutual of Omaha, but are weighing cost and benefit between several different plan designs. The couple may decide on any of the options.
How can you quickly and easily compare each plan design, and prevent yourself from having to re-build the plan design they choose?
Use the "Quotes" section within your software!
Found just below your Agent information, this software feature allows you to easily keep track of different plan designs, toggle between each to show the impact on cost, and have the ability to save many different quote options for one client/couple.


Rate Adjustments Effective June 1, 2018
Mutual of Omaha will be implementing rate adjustments in Georgia, North Carolina, Ohio, Oregon, and Pennsylvania, effective June 1, 2018.
Policyholders will receive a letter notifying them at least 60 days prior to the premium rate increase. The effective date of the premium rate increase will be listed in this notification. Notification to all affected policyholders will be mailed by April 1, 2018 to ensure policyholders in the approved states receive notification of their June 1, 2018 premium rate increase.

Broker Bonus Program
You can make even more bucks on your Medicare supplement and SELECT underwritten business through our 2nd and 3rd quarter Broker Bonus Program.
Great News! Six new states have been added for this contest period: Colorado, Iowa, Kentucky, Maryland, Nebraska and West Virginia.
All Medicare supp/SELECT applications, any state, any Plan and any type, issued between April 1, 2018 and September 30, 2018 will COUNT toward the five applications per month minimum needed to qualify for payment.

Coming Soon: Accelerated Underwriting for TLA
Our brand new Accelerated Underwriting program, launching April 1, 2018, uses data that can quickly be obtained to eliminate lab testing and exams for Standard, Standard Plus, Preferred and Preferred Plus applicants who qualify based on age, personal history, and face amount requirements.

Priority Income Protection® Underwriting Guide Updates
The Priority Income Protection® underwriting guide has been updated with the following changes:

  • Updated Preparing Quotes to add WinFlex and mobile quote tool
  • Added email and e-App to Application Submission requirements
  • Updated procedure for processing of Incomplete and Declined applications and Premium Processing

New Critical Advantage Needs Flyer
A flyer has been created to show potential customers why they need Critical Illness, Cancer and Heart Attack and Stroke coverage. The needs flyer can be sent to clients to promote the benefits of all the products in the Critical Advantage Portfolio. All covered conditions for each product is included.



Medicare Supplement Insurance Now Available In Alabama
GTL's Medicare Supplement insurance is now available in Alabama. Applicants can now submit an application up to 6 months in advance of a selected effective date!



Write it Right Webinar Series
Join Genworth for their first ever, Underwriting Education Month in April.
As part of Underwriting Education Month, we will offer three short webinars designed to help you increase your placement rates so you can insure more clients and earn more commission.
The times and topics are below. Sign up for one or more through the links.
Tuesdays @ 11 AM or Thursdays @ 2 PM Eastern Time
    • Underwriting 101
    • Common Conditions and Red Flags
    • The TrueView Underwriting Experience

Important:  Genworth anticipates high demand for these webinars. To save your spot, please register before the day or the event. Thank you.

REMINDER: Genworth to Suspend Sales of Long Term Care Insurance in Florida
Effective April 1, 2018, Genworth will temporarily suspend sales of individual long term care insurance in Florida. Genworth is working on innovative new products in long term care insurance, life insurance and annuities, and, in consultation with the State of Florida, will seek to re-enter the Florida market in the future.
This change will not affect existing policyholders.
In order to effect a smooth transition, please note the detailed transition rules below and remember that all licensing and continuing education requirements must be met prior to submitting new business. It is critical to follow the transition rules, as we will not be able to make any exceptions.



Medicare Supplement Insurance Premium Rate Changes
Transamerica Premier Life Insurance Company will be implementing Medicare Supplement insurance premium rate changes for new sales and inforce policies. The policies that are impacted were originally underwritten by Transamerica Premier Life Insurance Company. Impacted states include: NJ, NM, NV.
New Medicare Supplement insurance premium rates for inforce policies,   formerly underwritten by Stonebridge Life Insurance Company will be implemented. Impacted states include: FL, NM

Transamerica Final Expense New Business Phone Lines
The Final Expense New Business phone lines will be closed each Wednesday from 3/14/18 until 4/11/18 from noon to close central time. We will be focusing our staff on processing and placing policies.

Help Build Your Business with Wealth + Health
Client satisfaction and the success of your business often go hand in hand. Incorporating health goals into your clients' financial strategy can help build trust and loyalty. Set yourself apart from the competition by providing a holistic view of your clients' well-being.
Put these resources to work and demonstrate your value to clients.


Medicare Supplement News - Mutual of Omaha and Affiliates:


Got a minute for Medicare?
View a short video created to help your clients understand what they need to know, and what is being done to help protect their identity.
New Medicare Supplement Plan – KY
Effective March 30, 2018, you may begin selling our new competitively priced Medicare supplement in Kentucky underwritten by United World Life Insurance Company, an affiliate of Mutual of Omaha.
Broker Bonus Program
You can make even more bucks on your Medicare supplement and SELECT underwritten business through our 2nd and 3rd quarter Broker Bonus Program.
Great News! Six new states have been added for this contest period: Colorado, Iowa, Kentucky, Maryland, Nebraska and West Virginia






Your Success Is Our Priority
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