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October 7, 2019

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


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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:

"State of Long-Term Care Insurance," by Moody's, Advisor Magazine
"As insurers undertake LTC actuarial assumption reviews in 2019, we believe those with outdated and less defendable assumptions will likely make adjustments to align with evolving industry experience and longer-term investment return assumptions, potentially leading to a decline in GAAP margins. Those insurers with insufficient or depleted margins would need to take earnings charges. As we have indicated previously, a small change in actuarial assumptions can significantly impact margins, and ultimately reserves, for a long- duration product such as LTC."
LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform):
More incoming.
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 7, 2019
Click on the subject heading to learn more about the topic.
Click the date/time to register for 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.

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No Current News In The Issue...


Industry Updates:



Case Study: Why Clients Get Issued “Other Than Applied”
Camila, a 63-year-old woman in Arizona, applied for MutualCare® Custom Solution. She was quoted Select; however, after underwriting review, a Class I rate was offered. How did this happen?  Remind clients to be as open and honest as possible during the application process, as undisclosed conditions can affect insurability.

Video Interview: LTC Underwriting Insights
Insurance is a family business for Bill Spano - he became an underwriter thanks to the encouragement of his siblings. It seems to be a good fit too, as he enjoys building relationships with agents and brokers, helping them out however he can.

October 17th LTC Underwriting Teleconference: Common Application Declines
Have you added the next LTC Underwriting Teleconference to your calendar yet? Don’t miss October’s Topic, Common Application Declines:  Thursday, October 17, 2019, 10 a.m. Central Time.

Our LTC Rider Helps Clients Preserve Their Independence
United of Omaha's LTC Rider on Income Advantage IUL and Life Protection Advantage IUL helps your clients protect their assets and preserve their independence.

Living Promise Instant Decision Enhancements
Last month we installed enhancements to the rules for Automated Underwriting on Living Promise e-Applications. After the install, we saw a 6% change. This resulted in decreases in referrals and increases in decisions at point-of-sale.

Flexible Payment Options Added to More Products
Good news! Flexible payment options will be available for your Critical Advantage, Priority Income Protection and Guaranteed Advantage clients starting September 27, 2019, for your clients that prefer to pay by automatic bank deductions.

IUL Participation Rate and Cap Rate Changes
Effective November 10, 2019, we will be making changes to our participation rates and cap rates on our Income Advantage IUL and Life Protection Advantage IUL products. These rate changes will apply to newly issued policies, as well as to any in force policies with a segment that is created (with new premium dollars) or renews on November 10th.

GUL Express Rates Are Dropping
On October 1, 2019, United of Omaha made their Guaranteed Universal Life (GULE) even more competitive, with rate decreases between 5 and 30 percent!

Cancer & Heart Attack/Stroke Insurance may be great fit for your Med Supp clients
Nearly everyone knows someone who has been diagnosed with cancer or heart disease. And people who are 65 and older have a higher risk of developing these conditions.



Securian Financial's Care Management Program for SecureCare UL Policyholders
Securian’s Care Management program helps SecureCare policyholders transition from needing care to getting care as smooth as possible. It is automatically included with all SecureCare policies (both in-force and future sales) at no additional charge!

Changes to life product portfolio: 2017 CSO updates
Beginning January 1, 2020, any new life products issued must use the 2017 Commissioners Standard Ordinary (CSO) Table.
In an effort to streamline our product offerings and launch new, innovative life insurance products, there will be some changes to our product lineup through the end of the year (2019). Click above to access a summary of current products and corresponding replacements and retirements.



GTL's e-App is Your Own AEP Digital Assistant
The GTL e-App is your own digital assistant to help you sell GTL during AEP! Please make sure you have the latest version of the e-App for youc client meetings. Links to update are provided in the announcement.

GTL's New 4th Quarter Bonus Programs | Medicare Supplement
Check out GTL's Writing Agent 4th Quarter Bonus Program for qualified Medicare Supplement applications submitted between October 1st and December 31st.

GTL's New 4th Quarter Bonus Programs | HIP and Precision Care
Check out GTL's Writing Agent 4th Quarter Bonus Program for qualified Hospital Indemnity and/or Precision Care Cancer Insurance applications submitted between October 1st and December 31st.

Precision Care Cancer Insurance Now Available in Florida
GTL's innovative Precision Care Cancer Insurance is now available in Florida! Available on Paper, Agent Portal, e-App and Windows 10 App.



Transamerica Agent Resource Center (ARC) Scheduled Downtime
NThe Agent Resource Center (ARC) will be temporarily offline on Saturday, October 12 for scheduled website maintenance and enhancements. We apologize in advance for any inconvenience. ARC will return to normal operation on Sunday, October 13.


Medicare News - Mutual of Omaha and Affiliates:


Upcoming Med Supp Rate Adjustments
Please view the upcoming Med Supp Rate Adjustments in CO and PA.
2020 Med Supp and Dental Marketing Credits Program
Our 2020 Marketing Credits Program will now include credits for your dental applications as well as Medicare supplement applications. And now earn 1% of ANBP on all qualified apps whether submitted via paper or e-App.
Value Added Benefits- Let’s Talk
Mutual has several value-added benefits with their Medicare supplement plans - EyeMed, Amplifon and Mutually Well. Now we can talk about them pre-sale and have new marketing materials to share with your clients.
New Mexico Dental Insurance Product Release
Effective October 4, 2019 you may begin selling our Mutual Dental Preferred and Mutual Dental Protection insurance policies with an optional vision care rider underwritten by Mutual of Omaha Insurance Company in New Mexico.
MA/PDP Training- Available on SPA
Complete your MA and PDP product training. Links are available on Sales Professional Access - see where to locate and how to navigate the training site.
2019 AEP Guidelines Reminder
View the guidelines for submitting business during AEP and the required documentation needed.
Upcoming Med Supp Rate Adjustments
Please view the upcoming Med supp rate adjustments in AZ, ND, NE, OR, VA.
Mutually Well Now Available to Your Med Supp Clients
Our new fitness and wellness benefits is now available to all Mutual of Omaha and its affiliates Medicare supplement policyholders.
Med Supp High Deductible Plan G- New States
High Deductible G plans are now available in Colorado, Louisiana, New Hampshire and Nevada for January 1, 2020 effective dates and later.
Gearing Up for AEP Webinar Questions and Answers
Here are the questions we received during the September 24th webinar - Gearing Up for AEP.
2020 MA and PDP Materials Available to Order
Enrollment kits for the 2020 AEP Medicare Advantage and Prescription Drug Plan products are now available to order.





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