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October 21, 2019

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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 October 2017:
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:

"Genworth Cost of Care Survey 2019: Skyrocketing care costs may make the dream of aging at home more challenging," Genworth
"The fastest-rising long term care costs are no longer for the most skilled care – in a facility, they’re now for the least-complex care – at home, according to Genworth’s latest 2019 Cost of Care Survey results, announced today. To explore Cost of Care data by city, state or zip code, find trend charts and access lists of states ranked in order of care costs, visit The cost of homemaker services, which includes assistance with ‘hands-off’ tasks such as cooking, cleaning and running errands, has increased 7.14 percent in the last 12 months alone. The cost of a home health aide, which includes ‘hands-on’ personal assistance with activities such as bathing, dressing and eating, has increased 4.55 percent. Although the $51,480 national annual median cost of homemaker services is only about half the annual median cost of a nursing home, the cost of homemaker services rose almost four times as fast (7.14% vs 1.82%). That means even assistance with simpler, everyday tasks – often the only help needed to maintain independence at home -- is now more expensive than ever."
LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform):
Dramatic new findings in the redesigned 2019 Genworth Cost of Care Survey will surely help sell new LTCI policies. This year, a single link takes you to one internet page with further links to both the national summary of costs by venue and a map of the U.S. where you can home in on individual states. The new design also has a slider that allows you to see estimated increases in costs for future decades. You can also select hourly, daily, monthly and annual costs by venue and by state. I like this new design and believe you will too.
Click Here to read the entire article.


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For The Week Of October 21, 2019
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Holiday Telephone Solicitation Bans for the Month of November 2019
Please be aware of the following holidays requiring a holiday telephone solicitation ban for the month of November.

  • On Friday, November 1, 2019: Louisiana prohibits unsolicited marketing calls to residents in observance of All Saints’ Day
  • On Monday, November 11, 2019: Alabama, Louisiana, Mississippi, Rhode Island and Utah prohibit unsolicited marketing calls to residents in observance of Veterans’ Day
  • On Thursday, November 28, 2019: Alabama, Louisiana, Mississippi, Rhode Island and Utah prohibit unsolicited marketing calls to residents in observance of Thanksgiving
  • On Friday, November 29, 2019: Louisiana prohibits unsolicited marketing calls to residents in observance of Acadian Day


Industry Updates:



MutualCare Solutions Portfolio (LTC13) E-App Enhancements
Effective October 12, 2019, MutualCare Solutions (LTC13) applications submitted using the e-application platform through Paperless Solutions Group will now feature an automatic submit process after both the producer and client have signed.
During the email signature process:

  1. If the client signs first, an email will be sent to the producer and marketer that the client signatures are complete. The producer will then need to sign the application and once complete, the application will automatically submit
  2. If the producer signs first, an email will be sent to the client to complete their signature. Once the client signs the application, it will be automatically be submitted for processing.

Illinois Partnership Passive Exchange
In December 2018, Mutual of Omaha announced the Illinois Partnership approval.
The next phase of the process begins October 2019. Impacted customers, those with relevant policy forms and meeting state inflation protection requirements, will receive notification letters beginning mid-October. This letter will inform customers their LTC policy is now partnership-approved.

Rate Adjustments Effective January 2020
Mutual of Omaha will begin implementing rate adjustments in Alaska, Delaware, District of Columbia, Mississippi, North Dakota, and West Virginia, effective January 1, 2020
Policyholders will receive a letter notifying them at least 90 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 sent by November 1, 2019 to ensure policyholders in the approved states receive notification of their January 1, 2020 premium rate increase.

Advance Notice: End of Year Pay Schedule
As the holiday season quickly approaches, it’s easy to forget important dates with all the hustle and bustle. That’s why we are giving you early notice of our key end of year pay dates. Take a look and keep a copy with you to ensure you have the right dates.

Committed to Income Protection Since 1910
Disability income insurance should be considered primary in the asset protection market. It should always be on a producer’s mind when it comes to sound financial planning. Use this handy fact finder tool when visiting with clients to help ask the right questions and uncover the need for disability income insurance.

Disability Income Conversation Starters
One of the most effective ways to begin the conversation about Disability Income insurance is to focus on the need.
To connect with your clients (and make sales) help them understand the need of income protection and how disability income can help mitigate the consequences of the unexpected.

Turn DI Objections into Sales
Whether you’re a new or seasoned producer selling disability income insurance you should be aware of reasons people think they don’t need this essential coverage. The key is to be prepared for anything a prospective client might say.

Critical Advantage Portfolio E-App Enhancements
Effective October 12, 2019, Critical Advantage applications submitted using the e-application platform through Paperless Solutions Group will now feature an automatic submit process after both the producer and client have signed.



Securian Financial's Comdex Ranking Is Now 96
We typically don’t like to brag, but ... At Securian Financial, we take pride in our ratings. That’s because it’s important for you to work with a company your clients can count on when they need it most. Our longevity, financial strength and diversity are testaments to the strength of our company – giving your clients confidence when making a purchase. So they can enjoy the here and now.

SecureCare Administrative Enhancements Are Here!
Two key administrative enhancements to SecureCare Universal Life are now live!

  • Online scheduling portal: clients can now schedule their tele-interview using our online portal.
  • Backdating applications: we revamped our backdating process to better align with you and your clients' needs.



New STHHC and Precision Care states now on the e-App
Alaska & Vermont Precision Care Cancer Insurance and Kansas Short-Term Home Health Care Insurance are now available on GTL's Portal and e-App!
Make sure you have the most up-to-date e-App during your AEP meetings! Please update your e-App to see these new states.



Monthly Modal Premium Factor Reduced in 5 Additional States
In addition to the 41 states that already have the lower monthly modal premium factor, on 10/11/19 the monthly modal premium factor changed from .095 to .0875 in an additional 5 states: CT, DE, IN, ND, and SD.
This will affect new business and active policies retroactive to their effective date with a refund of premiums.

Employer Group Rate Class to be Available in 6 Additional States
In addition to the 38 states that already have the Employer Group rate class (unisex premium rates), 6 additional states will be available effective 11/01/2019CT, DE, HI, IN, ND, and SD.

Don't Forget November is LTC Awareness Month
Use NGL's Social Media Infographics to create awareness.


Medicare News - Mutual of Omaha and Affiliates:


Upcoming Med Supp Rate Adjustments
Please view the upcoming Med supp rate adjustments in KY, LA and MO.
Upcoming Med Supp Rate Adjustments
Please view the upcoming Med supp rate adjustments in GA, MT and NM.
November Modernized Rate Release
Please view the upcoming November Modernized Rate Release in KS, MT, NY, and OR.
2019 Marketing Credits Redemption Deadline
November 30, 2019 deadline for reimbursement of 2019 marketing credits.
Mutually Well- Marketing Materials Available
Mutually Well consumer flier now available in several states.
2020 CMS Plan Finder Update
CMS recently updated their Plan Finder tool and some updates may create difficulty in assess which options may be best for your clients.
MA/PDP Reports on SPA
MA and PDP enrollments are now on SPA under Case Status.
MA and PDP Enrollment User Guides on SPA
Learn more about our electronic enrollment tools with built in edits to ensure enrollments are submitted completely every time.
Helpful Underwriting Tips for AEP
Three helpful underwriting tips for a successful AEP.
MA/PDP Annual Enrollment Period Is Here!
Here's what you need to know to make the most of this fall's AEP.





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