No April Fool’s Stunt Here- Our Game Time Incentive Begins TODAY

  New GoldenCare Sales Incentive STARTS TODAY! This is no April Fool’s stunt – GoldenCare is starting Q2 2022 with a little fun! Between April 1st – May 15th, get your name entered into a drawing to win cash prizes! How To Enter: For each qualifying MutualCare® Custom Solution applicant written, your name gets entered. The more you write, the better your chances of winning! Cash Prizes Include: Don’t wait too long! The drawing will take place on Tuesday, May 24th! It’s Game On!     Get Promo Details!   #goldencareagent
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Categories: GoldenCare News, Industry News, and Long-Term Care.

Good news! We’re eliminating our COVID-19 restrictions

Eliminating COVID-19 restrictions and more Securian Financial remains focused on delivering high levels of service, helping customers with their insurance needs, and maintaining the company’s financial strength. Your support in delivering on this focus has provided valuable insights to best navigate the unpredictable nature of a pandemic while addressing the additional risks it presents. Since these participation limits were implemented, our promise has been to actively review these guidelines. Along the way, we have delivered on a request for transparency to enable you to make the best decisions for your customers. While the pandemic isn’t over, we feel we have
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Categories: Industry News, Life Insurance, and Securian.

NGL EssentialLTC – Updated COVID-19 Underwriting Guidelines

Updated COVID-19 Underwriting Guidelines Based on the evolving COVID-19 situation it has been determined that certain COVID-19 positive individuals may only have to wait one month instead of three or six to apply for coverage. We also eliminated guidelines on negative testing and close contact exposure. The new guidelines focus on COVID-19 positive test results, symptoms and recovery. Effective immediately, the new underwriting guidelines for COVID-19 are as follows: These guidelines have been updated in the Premier Underwriting Guide. It will be available tomorrow in Reference Guides under the Sales & Marketing tab on the Agent Resource Center (ARC). The
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Categories: Industry News, Long-Term Care, and National Guardian Life.

Condition-Related Marketing: COVID-19

Condition-Related Marketing: COVID-19 Mutual of Omaha continues to learn more about the risks of COVID-19 and how to best field underwrite for the condition. However, our new condition-related marketing flyer lists key tips to help you gather the most important information about your LTCi applicants. Download it now!   Condition-Related Marketing: COVID-19   #goldencareagent #mutualofomaha
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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).

Securian Update: COVID-19 guidelines

COVID-19 new business and underwriting participation guidelines extended through December 31, 2021 Securian Financial remains focused on delivering high levels of service, helping customers with their insurance needs, and maintaining the company’s financial strength. Your support in delivering on this focus has provided valuable insights to best navigate the unpredictable nature of a pandemic while addressing the additional risks it presents. Since these participation limits were implemented, our promise has been to actively review these guidelines. Along the way, we have delivered on a request for transparency to enable you to make the best decisions for your customers. While not
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Categories: Industry News, Life Insurance, and Securian.

Return to pre-COVID guidelines: COI no longer required for every case

Return to pre-COVID guidelines: COI no longer required for every case Effective immediately, we will no longer require a Certificate of Insurability (COI) to be completed at policy delivery if premium is submitted with the application and the policy is issued standard or better. As long as the premium is submitted with the application, doesn’t have a substandard rating, and bound via a temporary insurance agreement (such as in Cash with App cases), no COI will be required. Additionally, we will no longer require a COI to be completed prior to initiating a request of funds or 1035 exchange. This
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Categories: Industry News, Linked Benefit/Hybrids, and OneAmerica.

Changes to COVID-19 participation guidelines

Changes to COVID-19 participation guidelines Securian Financial remains focused on delivering high levels of service, helping customers with their insurance needs, and maintaining the company’s financial strength. Your support in delivering on this focus has provided valuable insights to best navigate the unpredictable nature of a pandemic while addressing the additional risks it presents. Since these participation limits were implemented, our promise has been to actively review these guidelines. Along the way, we have delivered on a request for transparency to enable you to make the best decisions for your customers. While not yet at the final stage in our
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Categories: COVID-19, Industry News, and Securian.

COVID tax questions

The Consolidated Appropriations Act (“CAA”) provided coronavirus relief as well as other tax related extensions that will affect your clients. Here are some highlights that relate to individuals. Stimulus checks are back. The amount is $600 per taxpayer and $1,200 for married persons filing jointly along with $600 for each qualifying child. Income limits vary upon marital status. Teachers and instructors who teach grades K-12 are allowed a $250/$500 (Single/MFJ) above the line deduction to allow for the purchase of personal protection equipment and disinfectant. The above the line deduction for $300 of charitable gifts is extended into 2021. There
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Categories: COVID-19, Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).

COVID-19 and underwriting guidelines

COVID-19 and underwriting guidelines We reevaluated and adjusted our underwriting guidelines for applicants who have had a negative COVID-19 test. The current guidelines are: If a test is taken: There will be no waiting period for negative testing scenarios such as work, travel, visiting family or testing in advance of an elective surgery (colonoscopy, etc.). There will be a one month waiting period for a negative test result on an applicant with symptoms or direct exposure to another person who was positive. A positive test is a 6 month waiting period after a full recovery to assess any residuals. These
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Categories: COVID-19, Industry News, Long-Term Care, and National Guardian Life.

Thrivent LTC: COVID-19 Underwriting Update

Long Term Care: COVID-19 Underwriting Update Effective 12/8/20: Applicants ages 18-60 who are positive for COVID with no hospitalization, fully recovered and are symptom free for 30 days can be considered for coverage. Applicants ages 61-69 who are positive for COVID with no hospitalization, fully recovered and are symptom free for 60 days can be considered for coverage. If the applicant has not met the 60 day requirement but has a physician’s statement noting they have been seen and are fully recovered can be considered for coverage. Applicants age 70 & up who are positive for COVID with no hospitalization,
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Categories: COVID-19, Industry News, Long-Term Care, and Thrivent.