E-Application to be available in Florida Effective January 22 We are pleased to announce the availability of E-APP for EssentialLTC Florida applicants effective January 22, 2021. The E-APP process allows the agent to submit EssentialLTC applications electronically after logging into the Agent Resource Center, as well as to obtain both applicant and agent signatures electronically. With this implementation, the E-APP process can now be utilized in all states where EssentialLTC is available. Please see the EssentialLTC State Variation for additional information relating to State Variations, noting that this will be revised on January 22, 2022 to reflect this change. E-APP
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Updated LTCi 2021 Tax Advantages Flyers
There are a lot of advantages to owning a traditional long-term care policy. It helps people remain in their homes as long as possible, ensures parents won’t have to rely on their kids to take care of them, and provides protection for a retirement nest egg. But there’s another important advantage…the potential to save on federal and state income taxes. The LTCi tax advantages flyers are now updated with the 2021 eligible deduction amounts. Download the flyers now: Agent Tax Guide Tax Advantages for Individuals Tax Advantages for Business Owners Updated LTCi 2021 Tax Advantages Flyers #goldencareagent #mutualofomaha
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Unbeatable Incentives for Writing MoO Med Supps!
Med Supp apps must be submitted 1/1/2021 — 3/31/2021 and issue by 4/15/2021 For Agent Use Only. Not For Public Distribution. Issued applications must be underwritten and specific to Mutual of Omaha and its affiliates. Applications must be submitted Jan 1 – March 31, 2021 and issue by April 15, 2021. Apps issued in Washington are excluded. Split compensation applications count as half. Excludes guaranteed issue and underage 65 business. Special agent awards (licensed-only agent) are awarded to the agency. Integrity Marketing Group (INTEGRITY) has the the exclusive right to change the qualifications and/or rules for this program at
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Humana’s Q1 2021 Incentive: A Unique Opportunity To Achieve
Producers can earn up to $300 per issued Humana Achieve Medicare Supplement policy depending on the underwritten mix with the Humana Achieve Underwritten Business Bonus. Pays on all policies on the following payout schedule 40%-49% Underwritten ⇒ $50 per issued policy 50%-59% Underwritten ⇒ $100 per issued policy 60%-69% Underwritten ⇒ $200 per issued policy 70% + Underwritten ⇒ $300 per issued policy Qualify with just three approved applications — regardless of underwriting class. Valid January, February and March. Humana’s Q1 2021 Incentive: A Unique Opportunity To Achieve #goldencareagent #medicare #aep
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Administrative Alert! Changes to Indexed Life Portfolio
Administrative Alert! Changes to Indexed Life Portfolio Due to the continuing economic impact of the COVID-19 pandemic, it is necessary to reduce cap rates and participation rates on some of the accounts within our Indexed Universal Life product portfolio. These changes will take effect for all premium received and new indexed segments created after Friday, January 15, 2021. All premium received on or before January 15 for approved and existing policies will have current rates applied. Illustrations will be updated January 15, 2021. Many considerations go into determining the cap and participation rates – and we want to make sure
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Understanding your Exposure with Telephone Solicitations
Telephone solicitations are an important aspect of insurance marketing. Unfortunately, this has become a high-risk endeavor. The Telephone Consumer Protection Act of 1991, better known as the TCPA, was enacted to protect consumers from unwanted telemarketing calls and faxes. It imposes liability in the form of regulatory fines and incentivizes private plaintiffs to pursue claims with statutory damages of $500 to $1,500 per call, with no limit. Attorneys’ fees for defending TCPA actions can easily reach hundreds of thousands of dollars and multi-million dollar settlements are, unfortunately, a common occurrence. Agents and brokers are expected, and contractually required, to act
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Errors and Omissions Insurance Reminders
Mutual of Omaha and its affiliates (United of Omaha and United World) require Errors and Omissions Insurance in the amount of $1 million (per claim) prior to selling the following insurance products: • AccumUL Answers • Term Life Answers • Income Advantage IUL • Life Protection Advantage IUL • Bonus Flexible Annuity • Ultra Secure Plus • Income Access • Ultra-Income product • Critical Illness (aka Critical Advantage) • Disability • Long-Term Care • Prescription Drug Plans As a GoldenCare producer, you have the ability to get this valuable coverage at a discount! Check out our Errors and Omissions and
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Thrivent LTC: Enhancements to e-App
Thrivent e-App Enhancements Thrivent has updated their e-App to reflect changes to the Illustration software, revisions to forms, and to simplify data input. These updates include: Agent ID is now required to submit an e-App: An application can no longer proceed without a Thrivent producer code. Personal Worksheet: Premium amount from the illustration auto input to the Personal Worksheet (Form 27156). Updated HIPAA form Couples Discount: Simplified interface (removal of dropdown) + Shared Care Rider now changes when updated in illustration Membership Application: The “Church Name” field is optional New Thrivent brand featured on Printed Output / PDF of applications
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Foreign National Questionnaire Now on iPipeline e-Apps
You are no longer required to submit a paper application if your client is a non-US citizen. The required Foreign National Questionnaire is now built into our iPipeline e-App for most products! Here’s what you need to know: Available on iPipeline e-App’s for: Indexed Universal Life Express (IULE) Term Life Express (TLE) Guaranteed Universal Life Express (GULE) Term Life Answers (TLA) AccumUL Answers Income Advantage IUL Life Protection Advantage IUL Who does this affect: Clients who are non-US citizens Make sure your client has the following ready in order to complete the Foreign National Questions: Visa Permanent Resident Card If
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Save Time and Use an e-Application
The Critical Advantage℠ Portfolio e-Application is easily accessible on Sales Professional Access (SPA) under the Electronic Applications link. Take advantage of this convenient and fast way to submit your applications for Critical Illness, Cancer and Heart Attack and Stroke products. Reasons to Use the e-Application Allows you to quote a premium and complete an application at the same time You’re always using correct forms and your applications are completed in good order Provides a paperless “green” experience Simple e-signature process Auto-save functionality A dashboard shows all applications in process Saves time- assures application is in good order at the time
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