Boost your LTCi sales by furthering your product and sales process knowledge! Our Sales and Marketing Process brochure breaks the sales process down into 6 thoughtful steps, helping you organize your approach to sales. This handy brochure also suggests other educational material for each step in the process, so it’s an invaluable resource for learning all things LTCi. Check out the steps and how they can help you jump start sales by downloading the brochure. Six Steps to LTCi Sales #goldencareagent #mutualofomaha
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Download the 2022 LTCi 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 2022 eligible deduction amounts. Download the flyers now: Agent Tax Guide Tax Advantages for Individuals Tax Advantages for Business Owners Download the 2022 LTCi Tax Advantages Flyers
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Making Holiday Small Talk About Big LTC Decisions
Making Holiday Small Talk About Big LTC Decisions — InsuranceNewNet article Thrivent’s Vice President of Health Insurance Products, Steve Sperka, discusses why it’s critical that Financial Advisors provide guidance to their clients on how to have extended care discussions. This article shares three key guidelines to help advisors encourage these family conversations. Read Article #goldencareagent #thrivent #ltc
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Join us at The Broadmoor in Colorado Springs
Earn Your Scenic Splendor The Experience A perfect, precise blend: The beautiful backdrop of America’s Rocky Mountains, and the decadent setting of the high-end Broadmoor resort. When you qualify for the 2023 LTC Incentive Trip to the Colorado Springs, you join an elite group whose members know great things don’t come by happenstance, they are rewards for those who remain dedicated, push through their obstacles and build on their successes. The Qualifications Earn top-tier access to outdoor luxury. To qualify for the 2023 LTC Incentive Trip, you’ll need to be one of the top 10 long-term care producers to exceed
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LTC Sales Idea: Buy-Up Option
People want to be sure the long-term care policy they purchase today will be adequate to help pay for the services they need in the future. Many state partnership programs have lowered the inflation protection requirement to 1 percent. That allows you to offer your clients the affordability of a low inflation protection option while ensuring their policy remains partnership qualified. The MutualCare® Custom Solution policy includes a buy-up option that allows insureds to increase their inflation protection percentage once each year. View the Sales Idea to learn more. LTC Sales Idea: Buy-Up Option #goldencareagent #mutualofomaha #longtermcare
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Choose NGL for your next client
Choose NGL for your next client With a commitment to the Long Term Care insurance marketplace and the dynamic product offering of EssentialLTC, our consumer-oriented competitively priced product, National Guardian Life Insurance Company (NGL) is the right choice for your next client. By assisting your clients with this decision now, you’re helping to prevent long term care expenses from impacting their family down the road. Click on the items below to see how NGL can support your clients’ needs. How does EssentialLTC compare This easy-to read chart compares the premiums and popular product features of NGL’s NGL EssentialLTC product to
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Inforce Long-Term Care Insurance Rate Adjustments Effective March 1, 2022
Mutual of Omaha actively monitors our inforce long-term care business, filing rate adjustments when necessary to ensure we keep our promises to policyholders and remain competitive in the marketplace. We will be implementing the following inforce rate adjustments effective February 1, 2022: Effective Date States Impacted Policy Forms Impacted Benefit Period 2022 Rate Increase 2023 Rate Increase 3/1/2022 Georgia LT50, NH50, HCA, NHA and LTA Non-Lifetime 15% N/A 3/1/2022 Georgia LT50, NH50, HCA, NHA and LTA Lifetime 15% N/A 3/1/2022 Michigan LT50, NH50, HCA, NHA and LTA Non-Lifetime 30% N/A 3/1/2022 3/1/2023 Michigan LT50, NH50, HCA, NHA and LTA Lifetime
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LTC Sales Idea: Inflation Protection
Sales Idea Learn how benefits of a standalone LTCi policy can grow with inflation protection. The cost of long-term care services is likely to be higher years down the road when the insured needs care. An optional inflation protection rider allows policy benefits to increase to assist with potential rising costs. Here’s how it works: The current maximum monthly benefit and remaining policy limit increase annually by the percentage the insured selects The increase occurs on each policy anniversary date for the length of time the insured selects – either for the life of the policy or for a limited
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Long-Term Care Application Tips
Our underwriters know your LTCi clients aren’t just a list of diagnoses, and they rely on you to tell them more. They encourage you to paint a picture about your clients’ health, cognitive status and lifestyle. Because the more you can tell them, the better the chance for a positive underwriting outcome. You can do that by gathering as much information as possible from your clients, including: Recent doctors’ visits, lab tests, etc. Any diagnoses they’ve received Learning about any tests, recent surgeries or physical therapy Documenting medications they take Information about their physical and social activities Confirming they have
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NGL Holiday Wishes and Upcoming Office Closure
We want to wish everyone a safe and happy holiday season. Thank you for partnering with NGL and making EssentialLTC a key addition to your product portfolio. Please see below for NGL’s EssentialLTC administration’s upcoming holiday office hours. December: Friday, December 24 – Closed Friday, December 31 – Closed Click here to take a look at the 2022 holiday schedule. For agent inquiries contact your dedicated NGL Agent Services Team at 888.505.2332 or status@ngl-essentialltc.com. For sales questions contact the NGL Long-Term Care Sales Team at LTC@nglic.com. #goldencareagent #ngl
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