Washington State Long Term Care Trust Act NGL would like to address the Washington State Long Term Care Trust Act and timing for application processing. The most recent date determined by the Washington legislature to meet the “opt out” provision by obtaining a private LTCi policy is November 1, 2021. There is a high probability that all LTCi carriers will see a large increase in applications from now until the fall. In order to process new business and offer an underwriting decision in a timely manner, we are suggesting any applications for applicants trying to meet the November 1 deadline
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USPS Mail Delays
You may have noticed substantial delays with the mail you receive through the US Postal Service (USPS). One of our concerns related to our business is the potential delay between the time mail is postmarked and the time it is received. This could cause issues for customers who receive renewal notices and pay premiums by mail. With that in mind, the Maryland Insurance Administration (MIA) has issued Bulletin 21–08 to direct agents and advisors to work with policyholders affected by this type of delay. The MIA asks agents and advisors to actively monitor and implement measures to avoid, to the
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Strength Through Teamwork – Association Marketing
We’ve updated our Association Marketing materials. Our new flyers and brochures are a great way for you tell the story about our how long-term care products can benefit association members. Getting Started This brochure provides some of the key reasons and ways you can grow your business by working with associations, including which products you can offer. The Guidelines This flyer lists association requirements and provides a step-by-step association approval process, from submitting a proposal to receiving approval. For more details and additional materials, visit our dedicated Association Marketing page on Sales Professional Access. Strength Through Teamwork
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Start the LTCi Conversation
Start the Long-Term Care Conversation Three Simple Approaches: Asking these simple questions often is a good way to get people talking about their families, their finances and their plans for the future. Who do you know? “If you’re like most people, you probably know someone who’s needed long-term care services. Maybe you’ve been a caregiver yourself. Either way, you know the emotional, physical and financial toll it can take on the family. Let’s make sure that doesn’t happen to your family.” What’s your plan? “Most people tell me their plan is to live a long life, but they often
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How We Stack Up to the Competition
How We Stack Up to the Competition This brochure outlines some of the competitive advantages you get when working with a carrier fully committed to traditional LTCi. From the training and support we provide to our financial strength and experience in the LTCi world… it’s all there. See the details → If you have any questions, please contact your Mutual of Omaha’s Sales Support at (800) 693-6083 or email sales.support@mutualofomaha.com. How We Stack Up to the Competition #goldencareagent #mutualofomaha
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Preparing for the Health Interview
Preparation is the key to a successful health interview. Preparing clients for the underwriting process can go a long way toward ensuring their applications get issued. Why? An interviewer may mistakenly assume confused applicants have cognitive issues that make them uninsurable. In reality, an applicant may simply be distracted or not fully prepared to answer questions about their health, their doctors and their medications. Mutual of Omaha has a handy leave-behind brochure you can use to walk your clients through the next steps in the underwriting process and help them prepare for the health interview. Next LTCi application, take a
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EssentialLTC – Underwriting Guide Update
Underwriting Guide Update As part of the recent product enhancements that took place on April 1, 2021 in 38 states, we have released an updated Underwriting Guide dated 03.21. The new guide reflects the new Premier rate class structure, has added items based on your feedback and has more conditions listed in greater detail. The guidelines in the updated guide are applicable to applications in all states, regardless of which version of EssentialLTC they use. Some notable updates include: Guidelines for a family history of dementia More details for elevated blood pressure More details
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Thrivent’s Commitment to Long-Term Care Insurance
Thrivent’s Commitment to Long-Term Care Care when you need it. Care where you want it. Thrivent is committed to helping clients achieve financial clarity and live lives full of meaning and gratitude. A key aspect of financial clarity is helping clients navigate the challenging journey of extended care planning. At Thrivent we believe everyone should consider the impacts of extended care as part of their plan. Thrivent is a membership-owned organization that puts our clients’ needs first; we’re not beholden to Wall Street. Thrivent remains committed to helping our clients find Long-Term Care Insurance (LTCi) solutions that meet their
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Updated EssentialLTC Materials
Updated EssentialLTC Materials Keep yourself up to date with all that NGL EssentialLTC has to offer with updated training materials on the Agent Resource Center. Each item is designed to help you share the benefit of this invaluable product with your clients! Here are the updated pieces: Agent Guide LTCi for Almost Any Business Premier Underwriting Guide Product Comparison Product Features and Sales Ideas Production Introduction Guide Product Summary Sales Guide State Variation Listing Worksite Process and Resources 1035 Exchange Flyer NGL is committed to the LTCi market and will continue to bring you updated training materials and consumer pieces.
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Thrivent LTC: Annual Report & Updated Producer Guide
Thrivent 2020 Annual Report Every business decision is made with our current and future clients in mind, in fulfillment of Our Purpose and Our Promise. Share the story of Thrivent’s strength and stability: 2020 Financial results overview AM Best Rating Fortune 500 Ranking Assets under management/advisement Total adjusted surplus Thrivent’s response to COVID-19 with resilience and care Download Now Revised Producer Guide The product reference piece has been re-branded. Most changes were brand-related. The only main change was to remove the Preliminary Declaration of Insurability section at the end (as this form is state specific and could change), and
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