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Guest Need-For-LTC Article
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October 24, 2016

Update Your Contracts
Appoint With All Of
The Top Carriers


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

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

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


Current GoldenCare Promotions:

3-in-1 Promotion
(Mutual of Omaha LTCi)

The Race To The Finish Line Has Begun!
CareShield Sales
Incentive Program


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 2014:
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:

"Long-term care insurance
rated a worthwhile
benefit," Business
Management Daily

"Reassure employees who may be on the fence about long-term care insurance with new findings from America’s Health Insurance Plans, the trade group that represents health insurers.
According to a survey of the customer experience and satisfaction levels of long-term care insurance policyholders who are already collecting benefits:
• Nearly 90% of those with long-term care insurance are satisfied with the amount of coverage they purchased.
• Almost eight in 10 customers found filing a claim to be easy.
• 89% of consumers reported that they did not need to purchase any additional services not covered by their policy.
Download the full report here."
LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform):
Positive numbers.
Click Here to read the entire article.


Want More News?

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


Previous Issues:





Online Agent Training "Webinar" Presentations:



For The Week Of October 24, 2016
Click on the subject heading to learn more about the topic.
Click the date/time to register for the presentation.

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







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

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





No Current News In The Issue...


Industry Updates:



Rate Adjustments Effective January 1, 2017
Mutual of Omaha will be implementing rate adjustments in Illinois, Montana, Texas and West Virginia effective January 1, 2017
Policyholders will receive a letter notifying them at least 60 days prior to the premium rate increase. The effective date of the premium rate increase will be listed in this notification. Notification to all affected policyholders will be mailed by November 1, 2016 to ensure policyholders in the approved states receive notification of their January 1, 2017 premium rate increase.



Is Hospital Indemnity Checked?
Remember to BRING HIP UP during AEP appointments! Important reminders:
1)  Make sure you have the Hospital Indemnity Plan box checked on the signed Scope of Appointment form prior to the appointment. Follow any other applicable government and carrier specific guidelines.
2)  If your Scope of Appointment form does not have Hospital Indemnity Products listed, make sure to wait at least 48 hours after your AEP meeting before talking to clients about Advantage Plus.
3)  If the purpose of your client meeting is to only talk about Advantage Plus, then no Scope of Appointment form is needed.

We Are Here to Help During AEP!
Whether you're new to GTL's Agent Portal, need applications, need quoting software, or need sales tips, GTL is here to help during AEP! Click above for links and access to helpful tools.



Earn An Extra $500 Selling CareShield
With the launch of CareShield Universal Life, Securian and Minnesota Life Insurance Company want to help you get your CareShield™ cases paid. Beginning September 20, 2016, through December 31, 2016, agents will receive:

  • A $300 Visa® gift card for 2 paid CareShield applications, OR
  • A $500 Visa® gift card for 3 paid CareShield applications



China Oceanwide To Acquire Genworth Financial
"RICHMOND, Va. and BEIJING, Oct. 23, 2016 /PRNewswire/ -- China Oceanwide Holdings Group Co., Ltd. ("China Oceanwide") and Genworth Financial, Inc. (NYSE: GNW) ("Genworth") today announced that they have entered into a definitive agreement under which China Oceanwide has agreed to acquire all of the outstanding shares of Genworth for a total transaction value of approximately $2.7 billion, or $5.43 per share in cash. The acquisition will be completed through Asia Pacific Global Capital Co. Ltd., one of China Oceanwide's investment platforms. The transaction is subject to approval by Genworth's stockholders as well as other closing conditions, including the receipt of required regulatory approvals."

Genworth’s 2016 Commission Year-End Pay Schedule
Genworth is closed for the holidays on Friday, December 23rd, Monday, December 26th, and Monday, January 2nd. Commission payments will be distributed as follows:

  • Daily EFT and DTCC(NSCC)
    • Fixed life/fixed annuities - Tuesday, December 27th, 2016
    • Variable life/variable annuities - Tuesday, December 27th, 2016
  • Weekly EFT and DTCC(NSCC)
    • Fixed life/fixed annuities - Tuesday, December 27th, 2016
    • Long term care insurance - Tuesday, December 27th, 2016
    • Variable life/variable annuities - Tuesday, December 27th, 2016
  • Checks - Tuesday, December 27th, 2016
  • Genworth will resume normal commission payments January 3rd, 2017

Please direct questions regarding year-end commissions to, 800-991-5684, option 3 or to your Genworth Sales Support Team at your dedicated toll-free number.

December 16, 2016: Deadline for Long Term Care New Business Requirements
As the year comes to a close and to optimize your 2016 placed production, please keep in mind that the year-end cutoff for new business is December 16, 2016.
Genworth's final commission cycle will be on December 23, 2016 for all Long Term Care Insurance.
Click the link above for the requirements for Final Commission Payment and Commission Payment Cycle Dates.

Commissions: 1099-MISC 2016 Tax Information
Important information about 1099-MISC (miscellaneous income) tax forms:

  • A 1099-MISC will be filed for each person who is paid at least $600 in commissions in 2016. This includes all product lines.
  • 1099-MISC forms will be mailed directly to each person no later than January 31, 2017.
  • Some payments are not required to be reported on this form, although they may be taxable to the recipient. For example, commissions paid to a corporation are not required to be reported via a 1099-MISC.
  • 1099-MISC forms will be mailed to the resident address of the producer if one is on file.

If you have any questions regarding the 1099-MISC tax process for commissions, please contact us at or at 800-991-5684, option 3.



Five Tips to Avoid Application Delays
Give your clients the facts and put them at ease
This year's Medicare Advantage Annual Election Period (AEP) and the Medicare Advantage Disenrollment Period (MADP) are upon us. Annual enrollment runs from October 15th to December 7th.

We know you're busy, so here is a quick reference list to get you through some of the situations you may face.

Procedure Update for Duplicate Life Insurance Policy Contract Requests
The purpose of the bulletin is to communicate to all general agents and producers selling across all business alignments of a modification in Transamerica's procedure.
To obtain a duplicate life insurance policy contract, it will be required for policy owners to complete a written request and pay $25 in the form of check or money order. This can be completed via letter of instruction that contains the policy owner's signature, policy number, and must be dated.

Medicare Supplement Insurance product is now available in Virginia
Effective October 14, 2016, the Medicare Supplement Insurance product is now available for Virginia. We provide Medicare Supplement insurance that can help clients manage their out-of-pocket medical expenses.
Please Note: The e-app for Virginia is currently not available at this time.
Quoting capability will be available on the illustration software and the Medicare Supplement Mobile Rate Calculator.



United Security Assurance Now Accepting Faxed Applications With Voided Checks
We've just made it easier for agents to submit new business. United Security Assurance is now accepting faxed applications with voided checks! Effective immediately, you may fax your application to our Souderton home office from your computer or fax machine.
Here's what you need to know:

  • Dedicated, Toll-Free Fax Number: 888-976-5969 - use this number to send only applications and related underwriting information.
  • Faxed applications must be completed, clean, and legible - if we are not able to read the information, we will contact you and may need for you to mail the original application.
  • Be sure to keep the original copy of the application for your files.
  • Fax the client's voided check with a signed authorization for bank draft or a signed credit card authorization (LSS/Select plans only).
  • We will also accept faxed applications with initial premium checks mailed.
  • United Security Assurance will deduct 2 months premium and the one-time $25.00 policy fee from your client's account after policy has been issued and we've received the policy delivery receipt.


Medicare Supplement News - Mutual of Omaha and Affiliates:


Upcoming Rate Adjustments
Please review information on upcoming rate adjustments in KY and ND.
2010 Modernized In-force Only Rate Adjustment- KY
Plan N Rate Adjustment- ND






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