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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 4, 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=2845626.40648.1.03c50bbd0a90acb334c0f15af240b524">Update Your Contracts</a><br> OR<br> <a href="http://www.goldencareagentmail.com/c/45290?id=2845626.40649.1.296a2a122940349ac081336a1097cb5d">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 3.56.0.0</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=2845626.40650.1.95acaba5ee732741cf5f57a8df6c4e68">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=2845626.40651.1.a1e106422d29c2cf800c2f68b725a39d" 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=2845626.40652.1.91d9ff178516ef48ccf62850c1acecd3">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:3.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><em><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Check Back Soon!</span></em><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:3.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=3 width="100%" align=center> </span></div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:2.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Avoid Delays &amp; Returned LTCi Applications</span></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:3.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Remember to use <strong><span style='font-family:"Lato",sans-serif'>6Q</span></strong> on the MutualCare Solutions Producer Statement to avoid commission problems. If you have made other arrangements to use another commission code, please use accordingly.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:3.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>For questions, or to verify the code you're using is correct, please call 800-842-7799!</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:2.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=3 width="100%" align=center> </span></div> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:2.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman";color:#00B2CC'>REMINDER:</span></strong><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> Partnership Certification and 4-Hour Refresher</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'><br> </span><span style='font-size:3.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>&nbsp;</span><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'><br> For all LTCi agents who took their initial 8-Hour Partnership Certification prior to <strong><u><span style='font-family:"Lato",sans-serif'>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=2845626.40653.1.4b594b36321b9c922c5879629eb77217" 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;Cost of nursing home care makes planning ahead crucial for financial security,&quot; by Tamara Holmes, </span></strong><em><b><span style='font-family:"Lato",sans-serif'>USA Today</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>  When <a href="http://www.goldencareagentmail.com/c/45290?id=2845626.40654.1.04e44494591f6b255148c78984d72e15" target="_blank">former Wisconsin Gov. Martin J. Schreiber</a> of Milwaukee was in his 50s, planning for nursing home care was the last thing on his mind. Luckily, a financial professional knew better.  If it hadn t have been for a pesky life insurance agent, I don t know if I would have ever bought long-term care insurance, Schreiber, now 79, says. When his wife Elaine, was diagnosed with Alzheimer s about a decade later, he realized it was one of the best decisions he could have made. <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> Finally, a national media article quoting reliable sources on LTC planning with no recommendation of self-impoverishment to qualify for Medicaid. Another former Governor of Wisconsin, Tommy Thompson, invited us to conduct a study resulting in this report: <em><span style='font-family:"Lato",sans-serif'><a href="http://www.goldencareagentmail.com/c/45290?id=2845626.40655.1.0e0073e5462f331c6d592968a839854a" target="_blank">THE SENIOR FINANCIAL SECURITY PROGRAM: A Plan for Long-Term Care Reform in Wisconsin</a></span></em> (1992). If they d only followed through & .<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=2845626.40656.1.61a69237f7745c423ec1a4a2e2713d45" 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=2845626.40657.1.fe774e28424fb89eddff6f717ba82acf" 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=2845626.40658.1.9652087a0ee58bdf1516d51efbcd6f21" 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=2845626.40659.1.acf89317f5314be430c2be7eeff71379" 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=2845626.40660.1.ccc1c7cf08eec00cb214912d64e1e308" 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=2845626.40661.1.01d503705956f442964f22197aef57ad" 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=2845626.40662.1.833892e6b8c3dbeb21f96db5db54371e" target=null>December 17, 2018</a><br> <strong><span style='font-family:"Lato",sans-serif'>" &nbsp;</span></strong> <a href="http://www.goldencareagentmail.com/c/45290?id=2845626.40663.1.edc7c5d8432afcdebad93457b5247e1f" target=null>December 3, 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 4, 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: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"'>At the time of the webinar, remember to dial in to our conference line<br> (<strong><span style='font-family:"Lato",sans-serif'>866-299-7945</span></strong>, PIN / access code <strong><span style='font-family:"Lato",sans-serif'>8754#</span></strong>)<br> in order to listen to the audio part of the presentation.</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 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_i1043" src="http://goldencareagent.com/docs/images/eb-MOO-TaxAdvantages-0119_152x89"><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=2845626.40664.1.91d12bd9266b072d4641f0a70706fc52" target=null><b><i><span style='font-family:"Lato",sans-serif'>SPECIAL: The Unique Tax Advantages of Traditional LTCi</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=2845626.40665.1.b9b9bc6960bc67a214a0ba361047c0a8">Tues, March 5, 2019 2:00 PM&nbsp; to&nbsp; 2:45 PM CST</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"'><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=2845626.40666.1.5226302d84e512c485f9f0f7c87a0ef0">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=2845626.40667.1.95598820d6624cc47517c44d6398071e">Click Here</a> for the Full Schedule of All Upcoming Webinars.<br> Or <a href="http://www.goldencareagentmail.com/c/45290?id=2845626.40668.1.9264b46f5367c959f49cf658cdd61df4">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=2845626.40669.1.fed78d52a7d41a1a54e9dfc93ee9af23" target="_blank">REMINDER: Holiday Telephone Solicitation Ban for the Month of March 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 following holiday telephone solicitation ban for the month of March 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'>Tuesday, March 5, 2019:</span></strong> Louisiana prohibits unsolicited marketing calls to residents in observance of Mardi Gras<o:p></o:p></span></li> </ul> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=3 width="100%" align=center> </span></div> <p class=MsoNormal><strong><u><span style='font-size:10.0pt;font-family: "Cabin",sans-serif;mso-fareast-font-family:"Times New Roman"'><a href="http://www.goldencareagentmail.com/c/45290?id=2845626.40670.1.1097503cf05c8b8aab0b0394db3f24aa" target="_blank">Reminder: Virginia State Corporation Commission Bureau of Insurance Administrative Letters</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"'>An administrative letter is the method by which the Virginia Commissioner of Insurance formally communicates with entities regulated by the Bureau of Insurance. Administrative letters are not law but are positions that the Bureau of Insurance has taken. They may provide direction, instructions, interpretations, or general information. The Virginia State Corporation Commission Bureau of Insurance releases new administrative letters periodically.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:6.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Administrative Letters should be carefully reviewed by any person licensed as an insurance agent in Virginia.</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><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=2845626.40671.1.dda69525b817b88e8fe014979863b4ce" target="_blank">Disaster Relief Notification Update: Federal Government Shutdown</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"'>Although the shutdown has ended, Mutual of Omaha is committed to working with your customers as they resolve any outstanding financial issues. Grace periods for affected customers are being extended until April 25, 2019.</span><span style='mso-fareast-font-family: "Times New Roman"'><br> </span><span style='font-size:6.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Delaware Only:</span></strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> A customer who is a resident of Delaware and was affected by the shutdown can contact us to place a hold on their policy, up to 90 days from the end of the shutdown on January 25, 2019.</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> </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_i1046" 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=2845626.40672.1.27d2d425a91762b5ad488a878d276a0a" target="_blank"></left>Same Great LTC Product with a Fresh, New Look</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"'>For more than 30 years, your clients have trusted Mutual of Omaha s long-term care solutions to help protect their financial futures. With a product this flexible and popular, we didn t need to make any changes to it. So we didn t.</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"'>But we are excited to let you know that our materials have been updated to better reflect the Mutual of Omaha brand, are easier to understand and are more consumer-friendly.</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"'>The newly re-designed brochures are now available on Sales Professional Access (<a href="http://www.mutualofomaha.com/broker">www.mutualofomaha.com/broker</a>), or can be downloaded <a href="http://www.goldencareagentmail.com/c/45290?id=2845626.40673.1.4c67281c808e69e7aaed3e6421bbbad7" target="_blank">here</a>.</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=2845626.40674.1.c8769dc9a0bcc855951e705db44fbcee" target="_blank">Issue Age Notice for New York LTC 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"'>Effective March 1, 2019 the maximum issue age for Long-Term Care products 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.</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=2845626.40675.1.d9dbef0605071fe0f7ed321b3106b1df" target="_blank">Tax Season is a Great Time to Talk About an IUL</a></span></u></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>A properly-funded Income Advantage</span><sup><span style='font-size:8.5pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>SM</span></sup><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> IUL policy is a good way to help your clients plan ahead and minimize their tax risks in retirement. Our newly updated Tax Bracket Risks brochure for 2019 can help you explain the advantages of an IUL policy to your clients.</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=2845626.40676.1.6908e100efe77721b92c25a06a9cdd4e" 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"'>In November we launched Automated Underwriting for Living Promise e-Applications  our instant decision tool. Overall we have been very pleased with the deployment of the tool and have seen increased usage of our e-Application.</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=2845626.40677.1.59b76678cbc73be29204b1dd0cdc01c7" target="_blank">Get an Underwriting Decision  Day or Night</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"'>Automated Underwriting for Living Promise e-Applications offers an instant decision while you re with your client. In fact, during the past couple of weeks, 65% of applications submitted were instantly approved and 77% of the referred cases were approved after review.</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=2845626.40678.1.bdc4c348a48b20779a2672e0e284990f" target="_blank">New Extended Client Phone Interview Hours</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"'>Thanks to the success of Automated Underwriting for Living Promise e-Applications, we were able to reallocate resources and extend our underwriting client phone interview operating hours. Effective <strong><span style='font-family:"Lato",sans-serif'>Monday, March 4, 2019</span></strong> our client interview team, (800) 775-3000, will be open 1-hour longer Monday-Thursday and be open on Saturdays.</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=2845626.40679.1.35469aad2d133ce0f61c78b143fddbd3" target="_blank">Are Your Clients Fit?</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"'>Available on both fully underwritten term and permanent insurance, United of Omaha's Fit Underwriting Program offers a quick and easy test that can ensure your clients receive the best table rating.</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=2845626.40680.1.cf15fcd9a6cee2e4e943609bb4790a1c" target="_blank">Mobile Quotes 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"'>On March 1, 2019, we will be enhancing the look of Quotes for Sales Professionals, our mobile quoting tool. You can expect the same easy-to-use app, but with a fresh new look.</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"'>The first time you open the app after the install on March 1, a message will pop up notifying you that a new update is available. The updated app will only be compatible with iPhone® 10.0 and higher, and Android"! 5.0 and higher.</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=2845626.40681.1.ef016637fd4635ea44d3ac785b62ba45" target="_blank">Expansion of Underwriting Client Interview Hours</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 <strong><span style='font-family:"Lato",sans-serif'>Monday, March 4th</span></strong>, we are expanding our client interview hours. We are staying open an hour later during the week and adding Saturday hours!</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"'>The Client Interview team supports health history interviews for the Life Express, Fully Underwritten Life, Priority Income Protection, Critical Advantage, and Fully Underwritten Disability Income 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=2845626.40682.1.6d662f0446abd2c0d31569cca99e3b61" target="_blank">Priority Income Protection®  Affordable DI Coverage</a></span></u></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>If you have clients who think income protection is too expensive, introduce them to Priority Income Protection. Your clients can choose the benefit amount that fits their budget.</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=2845626.40683.1.e720114eb28230e108a5868f6c795418" target="_blank">Walk Through the Stages of Life with Critical Advantage</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"'>No matter what stage of life your clients are in, the products in the Critical Advantage portfolio are a perfect fit. Whether you re working with young couples, retirees or business owners, we have a supplemental health policy that s right for them.</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_i1057" 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=2845626.40684.1.725d1aac56190bf9789afc8b33ec16c4" target="_blank"></left>The Next Generation of Cancer Insurance Is Here</a></span></u></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Guarantee Trust Life Insurance Company (GTL) has partnered with The Translational Genomics Research Institute (TGen), a nonprofit pioneer in genome sequencing and precision cancer treatment, to design a new and groundbreaking cancer insurance product.</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"'>GTL's Precision Care</span><sup><span style='font-size:7.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>TM</span></sup><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'> helps policyholders afford and have access to TGen's world-class cancer physicians and genomic sequencing services for a more individualized and targeted approach to treating cancer.</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=2845626.40685.1.22070a3e0b68e0c5dc33b787988db9f3" target="_blank">Presentation Tool for GTL's New Cancer Insurance</a></span></u></strong><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>Looking for a way to present GTL's new groundbreaking Precision Care</span><sup><span style='font-size: 7.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'>TM</span></sup><span style='font-size:10.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'> Cancer Insurance to your clients? GTL's client-facing website presents the information that your clients want to know and translates the highly technical into an engaging and easy-to-understand format.</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=2845626.40686.1.ac37e29e24288fc809062a4fc5260aa5" target="_blank">Advantage Plus Upgrade Now Available in 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"'>GTL's Advantage Plus Hospital Indemnity Insurance upgrade is now available in Ohio!</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=2845626.40687.1.03f3466da849bce25ad72c0dab64fd7c" target="_blank">GTL's Precision Care Now on the e-App in 7 More 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"'>GTL's Precision Care</span><sup><span style='font-size:7.0pt;font-family:"Lato",sans-serif;mso-fareast-font-family: "Times New Roman"'>TM</span></sup><span style='font-size:10.0pt;font-family: "Lato",sans-serif;mso-fareast-font-family:"Times New Roman"'> is now available in Colorado, Connecticut, Maryland, Missouri, North Dakota, Ohio and Utah!</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"'>Available on Paper, Portal and e-App! Please update your GTL e-App now to see these states.</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=2845626.40688.1.41f50fb7de6f3b9bdc8f7bbebd9afb93" target="_blank">Medicare Supplement Now Available for DE &amp; NJ on the e-App!</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"'>GTL's Medicare Supplement in Delaware &amp; New Jersey is now available on Paper, Portal and e-App.</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"'>Please update your GTL e-App to see these states. If you have already updated your device yesterday or earlier today, you do not need to update again.</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=2845626.40689.1.7b985696710b73af06cfe344ee154a3c" target="_blank">Advantage Plus Upgrade Now Available in Ohio and Utah on the e-App!</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"'>GTL's Advantage Plus Hospital Indemnity Insurance upgrade is now available on Paper, Portal and e-App in Ohio and Utah!</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"'>Please update your GTL e-App now. If you have updated your device earlier today, you do not need to update again.</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_i1063" 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=2845626.40690.1.8affff4c6f557cad6b12c99e1ca6a577" target="_blank"></left>In-Force Rate Action Announcement: California non-Partnership</a></span></u></strong><span style='mso-fareast-font-family: "Times New Roman"'><br> </span><span style='font-size:4.5pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>(Pre-PCS, PCS I, PCS II, Choice 1, CADE, CA-Reprice, Unbundled)</span></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><strong><span style='font-size:10.0pt;font-family:"Lato",sans-serif; mso-fareast-font-family:"Times New Roman"'>California has now allowed our requested increase for <u>non-Partnership policies</u>, and implementation details can be found within the announcement.</span></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"'>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'>February 26, 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=2845626.40691.1.d008a2995b4a99cb2cbe3003de9299e1" target="_blank">2019 Med Supp Buyer s Guide Available</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 2019 buyer's guide, Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare has been released by CMS.</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=2845626.40692.1.25f9c570981ae5a529ac6d50d3a41662" target="_blank">Modernized In-force Only Rate Adjustment</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 Modernized In-force Only Rate Adjustment in Oklahoma.</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=2845626.40693.1.7cb9f49626f24a8ce0c62d6106f76f21" target="_blank">PDP Compensation Payments</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 following is information regarding the payment of compensation for Mutual of Omaha Rx (PDP) sales.</span><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><span style='font-size:4.0pt;mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman"'><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=2845626.40694.1.cd88cc0f9419230d0ed9f2e2736c8c13">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> 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