End of year deadlines for new business The year-end cutoff for new business processing and contract changes is Wednesday, December 11. To guarantee issue by Dec. 31, the following must be received at corporate (and be in good order) by the cutoff: Underwriting requirements (medical and financial). Suitability requirements (Best Interest documentation and forms). Contract changes (prior to the contract’s December month-a-versary). Funding. Please work with your long-term care team for any business you wish to have issued by year-end. #goldencareagent #thrivent #ltc
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Thrivent: 2025 LTCi Tax Deductibility Guide now available
2025 Tax Deductibility Guide There are many reasons why clients should create a long-term care strategy. One message that has resonated well with consumers, is on the tax advantages of planning with long-term care insurance. Premiums might be deductible and claims are paid tax-free. We have updated our tax deductibility guide to reflect the age-banded amounts for 2025. This form will be updated across our various platforms in the coming days. Download Now #goldencareagent #thrivent #ltc
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Tips for Utilizing Case Monitoring for Long-Term Care
For LTC policies, Case Monitoring is a great tool that can be utilized for receiving regular case status updates from your LTC case manager. Case Monitoring contains all general status information and includes details such as applicant demographics, policy numbers, premiums, benefits, case details, outstanding application requirements, requirements ordered, completed requirements, case manager details and more. Navigating Sales Professional Access (SPA) and Case Monitoring Once logged into SPA, hover over Producer Tools tab on the top navigation bar and click Case Monitoring under the Reporting column. This will bring you to a search screen where you will have a couple
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NGL | Your LTC Insurance Partner of Choice
As a trusted Midwestern mutual company, National Guardian Life Insurance Company is dedicated to providing exceptional product-to-process solutions in the Long Term Care insurance marketplace. Our team is committed to supporting you with innovative tools and resources that simplify the way you do business. At NGL, we believe in a partnership mentality. Our goal is to make your journey in the LTCi industry as smooth and successful as possible. Watch the video to learn more about how we can work together to meet the needs of your clients. Let’s continue to build a brighter future for Long Term Care, together!
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LTC insurance today are more stable, predictable, reliable than ever before
STABLE. PREDICTABLE. RELIABLE. Just as roots draw strength and nourishment from rich soil, Long Term Care (LTC) insurance also evolves and thrives on the wisdom of experience. LTC insurance products today are more stable, predictable, and reliable than ever before. We’ve learned, adapted, and deliver LTC planning strategies that ensure your client’s future is in safe hands. For agent inquires contact your dedicated NGL Agent Services Team at 888.505.2332 or status@ngl-essentialltc.com. For sales questions contact the Long Term Care Sales Team at LTC@nglic.com. See NGL’s Post on LinkedIn #goldencareagent #ngl #longtermcare
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Sometimes caregivers need help too
Reprint article on Caregiver Resources Navigating care for loved ones isn’t easy, but Thrivent’s Caregiver Resources provide financial and emotional support. The Winter 2023 issue of Thrivent magazine included a feature article on Caregiver Resouces and shares stories of how this member benefit is positively impacting the lives of family caregivers. It also provides a sample of the content that one can find with Homethrive. View Article #goldencareagent #thrivent #ltc
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Thrivent’s 2024 LTC Awareness Month Toolkit
2024 Awareness Toolkit To take advantage of heightened awareness in the marketplace during the month of November, Thrivent has packaged some of our most popular resources designed to raise awareness and drive contact with financial advisors. This kit includes: About Thrivent Conversation resources LifeHappens videos, social media and flyers Sales strategies Info on the Caregiver Resources benefit Download Now #goldencareagent #thrivent #ltc
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Off-Label Medication Use in LTC Underwriting
Medication approved by the US FDA (Federal Drug Administration) to treat a specific medical condition but prescribed by your doctor to treat a different condition, is off-label use. This practice is legal and common, and it does impact underwriting. While there are many drugs that are prescribed off-label, several are encountered frequently in LTC Underwriting. Check out the condition-related marketing flyer, Off-Label Medication Use in LTC Underwriting to learn some of the most common medications and their impact on underwriting. View the flyer here Off-Label Medication Use in LTC Underwriting #goldencareagent #mutualofomaha
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Share the consequences of a LTC event, not just the risks
Extended Care by the Numbers It’s not just the risks – it’s the consequences. People insure against risks from natural disasters, home fires and car accidents. Yet they often overlook the consequences of not planning for one of the largest risks that can impact families —long-term care. This new consumer-approved piece doesn’t focus on the odds of needing care, as much as it showcases the consequences of a care event. These stats back up statements about the physical, emotional and financial impact on caregivers, and the reasons why someone should plan today (rising care costs, expected caregiver shortages and data
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Disaster Relief Notification – Hurricane Helene
Mutual of Omaha is committed to supporting our customers impacted by Hurricane Helene. We are currently identifying affected policies and will be adding a note to them shortly. For impacted policies, we are extending the grace period by an additional 30 days. We understand the challenges your clients may be facing after the hurricane. We will be exercising leniency and may allow exceptions to certain contract requirements for customers who are displaced from their homes. If you have any questions or need assistance, please contact Sales Support at (800) 693-6083 or sales.support@mutualofomaha.com. We are here to help. Disaster Relief
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