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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Securian Financial, Hybrid Life & LTC Policy

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When Securian Financial introduced a new Hybrid Insurance Product, it immediately caught out attention. SecureCare was built to be SIMPLE, easy to sell, easy to explain, and easy for clients to understand!

SecureCare pays indemnity benefits, and includes the following guarantees: Death benefit protection, long-term care coverage, and return of premium.

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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United Security Assurance, Long-Term Care Insurance
LifeStyle Solutions Select

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For many Americans with extended health conditions, access to LTC insurance coverage can be challenging.  For these individuals, LifeStyle Solutions Select can be a great solution.  USA expanded their underwriting guidelines to offer coverage for individuals who may not have been able to obtain LTC insurance elsewhere. 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”), 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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Kemper Health, Short-Term Care Insurance
Home Health Care Insurance Plan

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The Kemper Senior Solutions Home Health Care plan is the perfect complementary product for any agent selling health products (especially LTCi!) to the 50+ market.  This plan can serve as a GREAT safety net for those who have health issues that prevent them from getting other protection like a long-term care plan. Read More

*This is a brief description of some of the provisions of policies individually underwritten by Kemper Senior Solutions.  Only the actual policy provisions will control. Form numbers, benefits, policy provisions and availability may vary by state. See Carrier Literature for full details on benefits, costs, limitations, exclusions and waiting periods.

Get Supplies       State Availability        Training        State Variations