Download the NGL EssentialLTC Sales Guide Today! The NGL EssentialLTC Sales Guide has everything you need to build a winning sales strategy. It’s full of valuable information on our most popular riders, payment options and product highlights. It also includes scenarios and tips for when NGL’s EssentialLTC features fit your clients’ needs. You can find the guide by clicking on the Reference Guide option under the Sales & Marketing tab on the Agent Resource Center. Download a copy today and find your success with NGL EssentialLTC! For agent inquires contact your dedicated NGL Agent Services Team at 888.505.2332 or
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Download the 2023 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. Let your clients know buying a traditional long-term care insurance policy from Mutual of Omaha offers tax advantages. Also, if you have clients that are small business owners, there may be significant tax savings if they use business dollars
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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 EssentialLTC – Two of our favorite features
Two of our favorite features NGL EssentialLTC offers many great benefits and features that sets it aside from most LTCi products. Two of our favorite features are the Lifetime Benefit Period Extension and Shared Benefit Amount Riders. Lifetime Benefit Period Extension Rider If your clients are concerned about a long claim duration, lifetime benefits could be appealing. The Lifetime Benefit Period Extension Rider can provide benefits that will continue for the remainder of the insured’s life while on a claim. Lifetime Benefit Rider Video Shared Benefit Amount Rider Couples who ask about potentially running out of benefits, could find the
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Industry News, Long-Term Care, and National Guardian Life.
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Inforce Long-Term Care Insurance Rate Adjustments Effective April 1, 2023
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 April 1, 2023*: Impacted Policy Forms Impacted States LTC04G Maine*, New Hampshire, New Mexico, Ohio LTC04I Maine*, New Mexico, Ohio LTC04I7 Maine*, New Mexico, Ohio LTC09M Maine*, New Mexico, Ohio LTC06UI Maine*, New Mexico, Ohio LTC09U Maine*, New Mexico, Ohio * The state of Maine requires a 90-day notification period for all policyholders. Therefore, the effective date for the affected
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Good News | Available From Thrivent: New Extended Care Conversation Guide
Thrivent’s New Extended Care Conversation Guide In the first part of the year, we are focusing on resources and tools to help advisors have proactive conversations about extended care planning. Today, we debut our new Extended Care Conversation Guide, filled with talking points and leading questions designed to engage your clients. Check out the Extended Care Conversation Guide here → 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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Tips For Long-Term Care Applications
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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1099 Form(s) Coming to SPA
Great news, 2022 1099s will be available through Sales Professional Access (SPA) for all producers. Please note: if the producer has a Compensation PIN assigned for SPA already, they will not be able to view their 1099 without their compensation pin. We wanted to give all of you the heads up before we send a general announcement in February. 2022 1099s will be mailed to all producers, details are still being finalized for when producers will be able to consent to receiving and viewing 1099s electronically on SPA. For producers consenting to receive 1099s electronically, 1099s for 2023 reporting in
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Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
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Updated Mutualcare Solutions E-App Guide – Available Now
Note Important new changes to the MutualCare Solutions E-App guide. In an effort to protect data, there is an update in the LTC eSignature Authentication process; When the client clicks the link from the email, they must authenticate themselves by entering certain fields. Now, there is a limit on the number of times the client may attempt to authenticate. If the client fails to successfully answer the authentication prompts 5 times in a row, he/she will be “locked out”. At this point, producer or the upline may unlock the client’s access by re-sending the signature email. After the producer/upline has
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NGL EssentialLTC Updated 2023 Tax Summary
Updated 2023 Tax Summary The Tax Summary has been updated to include the changes to 2023 Eligible Long Term Care Premiums (ELTCPs). The flyer is a great way to find out the tax advantages LTCi has for individuals and businesses. Below are last year’s and this year’s ELTCPs for your reference. 2022 ELTCPs: 2023 ELTCPs: The Tax Summary will be available on the Agent Resource Center under Marketing Tools category under the Sales & Marketing tab beginning Friday, January 13, 2023. For agent inquiries contact your dedicated Agent Services Team at 888-505-2332 or status@ngl-essentialltc.com. For sales questinos contact
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