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GoldenCare’s Perfect Portfolio

There are a lot of products to choose from in today’s ever-changing market.  To help you out, we’ve hand-selected a few insurance plans that we feel would contribute most and help make up your “perfect portfolio.”  The plans range from traditional long-term care insurance, high-risk LTCi alternatives, to near-guaranteed issue plans that fill gaps and offer a safety net for the very unhealthy.  Our perfect portfolio plans can help you close more sales, save time, lessen underwriting headaches, make more money and — most importantly — help more people.

Look for the gold star () throughout the site, indicating the plan is part of our Perfect Portfolio.

Mutual of Omaha, traditional Long-Term Care Insurance
MutualCare Custom Solutions

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GoldenCare is proud to have helped in the design of our premier Long-Term Care product, MutualCare Custom Solution.

For prospects without too many major health concerns, we feel that this traditional LTCi product — with its first-day cash benefits — is often the very best choice for protection.  Read More

*Availability & Benefits May Vary by State. For Agent Use Only – See Carrier Product Literature for Full Details.

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OneAmerica, Hybrid Life & LTC Policy
Asset Care

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OneAmerica’s Asset Care product is one of the most recognized and sought-after hybrid policies currently offered, providing great value for the benefit available.

Asset Care pays indemnity benefits, and includes the following guarantees: Premiums never increase; LTC benefits never decrease; Cash value growth; and Death benefit protection if not used for LTC.

This policy allows individuals to maintain flexibility, protect their assets and leave a death benefit. If you haven’t introduced your clients to this hybrid plan, now is a great time to start!

*Availability & Benefits May Vary by State.  For Agent Use Only — See Carrier Literature for Full Details.

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Guarantee Trust Life (“GTL”), Critical Illness+
Critical Cash™

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GoldenCare is proud to have contributed in the development of the concept & design of GTL’s Critical Cash — an even more flexible version of Critical Care!

Like its predecessor, Critical Cash was primarily designed to help people who may not qualify for traditional LTCi.  The plan has less than one page of health questions and pays cash benefits upon diagnosis of a covered critical illness such as Alzheimer’s disease, cancer, heart attacks, strokes, etc. Read More

*Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.

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Guarantee Trust Life (“GTL”), Short-Term Care Insurance
Short-Term Home Health Care

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GTL understands that most Americans would prefer to recuperate at home. The new Short-Term Home Health Care insurance pays benefits directly to clients, regardless of whether they have any other insurance.

Three plans are available, offering different daily benefit amounts based upon the Plan selected.* Read More

*Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.

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True Freedom Home Care Service Plans
Home Care Service Plans

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The True Freedom Home Care Service Plans are a perfect fit for our Perfect Portfolio. Even when no other insurance solutions are available to clients, in many cases the True Freedom Home Care Service plans can still provide invaluable benefits for HHC services.

With 1-Question field issue, no medical underwriting, and availability in all 50 states, these plans are an excellent alternative! Clients ineligible for health-underwritten insurance coverage? Feel confident that you can still provide a valuable solution!

Click on the link to the left to take a closer look at this outstanding “Perfect Portfolio” plan.

*See Carrier Literature for full details on benefits, costs, limitations, exclusions and waiting periods.

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