Camila, a 63-year-old woman in Arizona, applied for MutualCare® Custom Solution. She was quoted Select; however, after underwriting review, a Class I rate was offered. How did this happen? During the application process, Camila hadn’t told her agent about a stroke she had 3 years ago, and it was discovered when the underwriter reviewed her medical records. This stroke history changed Camila’s rate class, and upon discovery the underwriter emailed the agent regarding the rate class change and encouraged the agent to call and discuss options with the client. The agent discussed the rate class change with the client and
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View our New Cost of Care Resources
It’s no secret — the cost for various long-term care services goes up every year. With no end in sight, how can your clients afford not to have long-term care insurance. Cost of Care Calculator — Search for long-term care care costs by state and view what those costs might look like five, 10 or 20 years in the future. View Calculator → Cost of Care Study Brochure — This brochure provides an easy-to-read chart of how much long-term care services cost by state. View Brochure → NEW Cost of Care Sales Idea — This flyer helps explain misconceptions clients
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Using the LTC e-Application
Time is money. Save both by completing and submitting long-term care insurance applications online. The e-App is fast and convenient. Best of all, it ensures everything is complete in its entirety before the application is submitted. That helps to eliminate unnecessary delays so policies can be issued quickly. Still haven’t tried it? Here are the tools to get you started: > LTC e-App Quick Start Guide > LTC e-App Training Video > LTC e-App FAQ Try the e-App on your next sale and you may never go back to paper. To access the LTC e-App now, click here (login required).
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Now Accepting Emailed Photos of Post Issue Requirements
We are pleased to announce that Mutual of Omaha is now accepting emailed photos of completed LTC post issue requirements (PIRs). The photos must be sent to the LTC.New.Business@mutualofomaha.com email address to be processed. Examples of requirements that can be emailed include: Policy Delivery Acknowledgement A Policy Delivery Acknowledgement (PDA) is currently required for five states: WV, LA, SD, NE and IL. If a signed PDA has not been received within 25 days, an electronic version of the form may be sent to the client through DocuSign for electronic signature. The Acknowledgement (paper or electronic) must be signed and returned
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EssentialLTC now available in CA and new rate calculator launched
EssentialLTC available in California The National Guardian Life Insurance Company (NGL) EssentialLTC Long Term Care insurance product is now available in California effective July 6, 2020. Click here to read the complete news release. “The comprehensive features available with NGL’s long term care product offer the residents of California another Long Term Care insurance option as they evaluate their coverage needs. Including an affordable Long Term Care insurance policy in their financial planning portfolio can provide peace of mind and help to protect families against the financial and emotional consequences of a long term care event,” said Joe Guyotte, NGL
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LTC Issue Age Restriction Lifted in Select States
As the stay-at-home orders begin to lift and local businesses start to reopen, we are happy to announce that Mutual of Omaha is also lifting some restrictions on LTC applications where the ability to obtain face-to-face interviews has improved. With this good news, beginning June 15, 2020, Mutual of Omaha will accept LTC applications for clients age 65 and over in the following states: Alabama, Alaska, Arizona, Arkansas, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Iowa, Kansas, Louisiana, Maryland, Mississippi, Missouri, Montana, Nebraska, Nevada, North Dakota, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, West Virginia, Wisconsin and Wyoming. We
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Updated LTC Underwriting Guide
Announced in our select state age restriction lift communication, our process for face-to-face assessments has changed. Please see pages 57-58 for the detailed information: If you have any questions, please contact Mutual of Omaha’s Sales Support at (800) 693-6083 or e-mail sales.support@mutualofomaha.com. Updated LTC Underwriting Guide #goldencareagent #mutualofomaha
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Updated Next Steps Flyer
Your client has applied for a LTCi insurance policy and you want them to be aware of what will happen next before they can be approved for coverage. Use this Next Steps Flyer to go over what to expect in the LTCi application process with your clients, including when to expect a face-to-face assessment will be scheduled. If you have any questions, please contact Mutual of Omaha’s Sales Support at (800) 693-6083 or e-mail sales.support@mutualofomaha.com. Updated Next Steps Flyer #goldencareagent #mutualofomaha
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New Mexico requires “Coverage Options Flyer” | Updated Marketing Materials
New Mexico requires “Coverage Options Flyer” The state of New Mexico recently adopted a requirement for agents to provide the “Coverage Options Flyer” to all New Mexico applicants at time of application. The Coverage Options Flyer is available on the EssentialLTC Agent Resource Center under the New Mexico application documents. This can be accessed by selecting the “New Business” tab, then selecting the state of New Mexico from the “State-Specific Applications and Forms” drop down. You can alsoclick here to download the flyer. Updated marketing materials The Executive Carve Out flyer details benefits and advantages to implementing an executive carve
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Our new brand | Thrivent
Our new brand We are transforming the way we do business, including our brand, to ensure we’re continuing to put our clients at the center of everything we do, and that the experiences you have with Thrivent are better than ever before – from a redesigned website, to new digital tools and streamlined processes that will make things easier for you. Our new brand reflects our fundamental purpose as an organization: we believe humanity thrives when people make the most of all they’ve been given. We’ve also refined our promise to you: we’re here to help you achieve financial clarity,
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