COVID-19 - GoldenCare Agents

NGL EssentialLTC – Updated COVID-19 Underwriting Guidelines

February 7, 2022 | by V | Comments Off

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.
Tags: Coronavirus, COVID-19, EssentialLTC, field underwriting, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, National Guardian Life Insurance Company, NGL, pandemic, underwriting prequalification, underwriting process, Underwriting', and virus.

Condition-Related Marketing: COVID-19

November 8, 2021 | by V | Comments Off

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).
Tags: Coronavirus, COVID-19, insurance, insurance company, long-term, Long-Term Care, long-term care insurance, LTC, LTCi, Mutual, mutual of omaha, Mutual of Omaha Insurance Company, omaha, pandemic, policy, Underwriting', and virus.

Securian Update: COVID-19 guidelines

October 8, 2021 | by V | Comments Off

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.
Tags: Coronavirus, COVID-19, insurance, life, Life Insurance, Minnesota Life, pandemic, SecureCare, SecureCare UL, Securian, Securian Financial, Securian Life, Securian Life Insurance Company, Underwriting', and virus.

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

August 23, 2021 | by V | Comments Off

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.
Tags: Asset Care, AssetCare, Coronavirus, COVID-19, hybrid, insurance, linked benefit, LTC, oneamerica, pandemic, State Life, Underwriting', and virus.

Changes to COVID-19 participation guidelines

July 1, 2021 | by V | Comments Off

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.
Tags: Coronavirus, COVID-19, insurance, Minnesota Life, pandemic, SecureCare, SecureCare UL, Securian, Securian Financial, Securian Life, Securian Life Insurance Company, Underwriting', and virus.

COVID tax questions

February 22, 2021 | by V | Comments Off

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).
Tags: Coronavirus, COVID-19, insurance, insurance company, long-term, Long-Term Care, long-term care insurance, LTC, LTCi, Mutual, mutual of omaha, omaha, pandemic, policy, tax, tax deductibility, Tax Deductions, and virus.

COVID-19 and underwriting guidelines

December 21, 2020 | by V | Comments Off

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.
Tags: Coronavirus, COVID-19, EssentialLTC, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, NGL, pandemic, and virus.

Thrivent LTC: COVID-19 Underwriting Update

December 14, 2020 | by V | Comments Off

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.
Tags: Coronavirus, COVID-19, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, pandemic, Thrivent, Thrivent Financial, Thrivent Financial for Lutherans, Underwriting', and virus.

Care Solutions News

November 9, 2020 | by V | Comments Off

Product News Annuity Care and Annuity Care II updates launching Nov. 21 We’re making updates to the Continuation of Benefits options on our Annuity Care and Annuity Care II products starting Nov. 21. Review the key details, including transition rules, states where changes apply and more. Attention California producers: Regulatory requirement impacting Asset-Care IV effective Oct. 24 Due to a change in calculation requirements under the non-forfeiture regulations, there will be a small impact to values illustrated prior to Oct. 24 and how the policy is issued for Asset-Care IV only. The result will be a slight increase in surrender
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Categories: COVID-19, Industry News, Linked Benefit/Hybrids, and OneAmerica.
Tags: Asset Care, Coronavirus, COVID-19, hybrid, insurance, linked benefit, LTC, oneamerica, pandemic, State Life, training, Underwriting', and virus.

How to Safely Conduct Business

August 24, 2020 | by V | Comments Off

As we shared with you earlier this year, Mutual of Omaha continues to focus on providing information and recommendations to help protect the health and safety of our associates and ensure uninterrupted service to our customers and you. We are all encouraged to do our part to slow the spread of the coronavirus by social distancing, practicing good hygiene and following the CDC guidelines in the areas and states where you do business in. Below are Health and Safety guidelines to help provide a safe way to conduct business. Opt for video meetings or phone calls when possible. Avoid in-person
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Categories: COVID-19, Critical Illness, Dental, Disability Income Insurance, Industry News, Life Insurance, Long-Term Care, Medicare Supp./Adv., and Mutual of Omaha (& Affiliates).
Tags: Coronavirus, COVID-19, critical illness, disability, disability income, insurance, life, Life Insurance, Long-Term Care, long-term care insurance, LTC, LTCi, Medicare Supplement, Medigap, mutual of omaha, omaha, and United of Omaha.

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