We are excited to announce that EssentialLTC, NGL’s Long Term Care Insurance product, will be available for the state of Montana beginning April 21, 2023! EssentialLTC features include: Lifetime benefits Joint policies and premiums Shared Benefit Amount Rider with third pool of benefits 1035 Exchange eligible Flexible premium payment options, including single premium payment or 10-year premium payment Product Introduction Guide Comparison Flyer Consumer Brochure Employer Brochure You can find these and many more EssentialLTC agent and consumer materials by logging into the Agent Resource Center. For agent inquiries contact your dedicated Agent Services Team at 888.505.2332 or
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Good News | LTCi Industry Updates Recording
Our LTC Industry Updates Recording Is Now Available Did you miss GoldenCare’s LTCi Industry Updates webinar with special guest, Steve Moses, yesterday? The event covered important topics such as updates on states considering government-funded LTC legislation. Plus, Steve offered his insight on how the SECURE 2.0 Act may impact the LTCi industry as a whole. Click here or click the image below to access: If you’re already appointed through GoldenCare, but are not yet taking advantage of all we have to offer, call your Regional Director at 800-842-7799! #goldencareagent
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The Next Steps After Submitting the Application
Preparation is the key to a successful health interview. You just completed a long-term care application. Before ending the conversation, make sure your clients know what happens next. 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. When 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
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Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
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Condition-Related Marketing: Physical Therapy
Condition-Related Marketing: Physical Therapy If a client is currently undergoing physical therapy, there are some key best practices for producers to follow when taking their application. Check out our Physical Therapy flyer. Condition-Related Marketing: Physical Therapy #goldencareagent #mutualofomaha
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4 ways advisors can help clients with an extended care strategy
Steve Sperka is Vice President of Solutions Design and Implementation at Thrivent. Steve is featured in the latest from Life & Health Advisor. In this piece he shares results from a recent Thrivent consumer survey and discusses: It All Starts with Proactive Conversations Understand Clients Unique Preferences Extended Care Planning Should Be A Family Discussion A New Foundation For Long Term Financial Wellbeing Read article Thrivent is a 2023 Diamond Sponsor of the ILTCI Conference Join Thrivent at the ILTCI Conference, March 12-15 in Denver. Thrivent is once again a Diamond Sponsor of the Conference. You can also find
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March Sales Madness is here!
March Sales Madness Is Here! From March 1 through March 31, 2023, you could earn up to $750 extra by selling NGL’s EssentialLTC. The total earned will be paid by check once the contest concludes. Here is what you could earn: First application = $50 Second application = $100 Third application = $200 Fourth application = $400 Be the champion of March Sales Madness with EssentialLTC! Promotion details: Each qualified application submitted between 03/01/2023 – 03/31/2023 will earn the writing producer a check for the specified amount above, with a maximum of $750 in total winnings. Applications must be
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Long-Term Care Clients Have Choices
It’s good to have choices. Mutual of Omaha’s long-term care policies allow insureds to choose how they prefer to receive policy benefits – either cash up front or traditional reimbursement. While other companies may offer cash, Mutual of Omaha’s cash benefit has no elimination period. That makes this concept well suited for: People who worry their policy may not pay for the type of care they need in the future People who like to make sure all their bases are covered People concerned about having to satisfy an elimination period before policy benefits begins Read the Sales Idea to learn
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The Value of a Care Coordinator – John’s Story
Real People. Real Stories. John’s Story The Value of a Care Coordinator The best way to understand how long-term care insurance can benefit your clients is through stories from our policyholders. Here’s how having a policy made a real difference for John and his wife, Susan. John’s Story – View the Flyer If you have any questions, please contact Mutual of Omaha’s Sales Support at (800) 693-6083 or e-mail sales.support@mutualofomaha.com. The Value of a Care Coordinator – John’s Story #goldencareagent #mutualofomaha
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More than a monthly option!
Find out more by visiting ngl-essentialltc.com today. 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. More than a monthly option! #goldencareagent #ngl #longtermcare
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Paid Long-Term Care Insurance 2022 Claims Grow
Long-term care insurance companies paid out a record $13.25 Billion in 2022 according to the American Association for Long-Term Care Insurance (AALTCI). “Claim benefit payouts for policyholders with traditional long-term care insurance coverage grew from $12.3 Billion in 2021,” reports Jesse Slome, AALTCI’s director. “The increase in benefit payouts is expected as policyholders age and start to require care.” For calendar-year 2018 the Association reported that long-term care insurers paid out $10.3 Billion. According to Slome, the amount reported represents claims for those owning traditional or health-based long-term care insurance. “Data for linked-benefit policies is harder to calculate because there
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