From the Desk of Michael Sladek and Corri Campbell When it comes to planning for long-term care, today’s consumers have more choices than ever before. However, we still believe a traditional LTCi policy remains the best solution for many clients because: It can be less expensive and provide better leverage than other funding options, making it the best value. Coverage is more comprehensive compared to other funding vehicles. Benefits, like a built-in cash option, provide greater flexibility throughout the progression of care. So… Are you ready to heat up your LTCi Sales? The top 20 LTCi producers in May and
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Modified Underwriting Guidelines for Major Depression and Family History
Modified Underwriting Guidelines for Major Depression and Family History Just because your client has anxiety and/or depression does not mean they are ineligible for Long Term Care insurance. Each case will be considered based on the documented medical information including prescription history. Given the extent that we have seen Major Depression rise in our review of medical records, we are changing the way we approach our final decision. Before a case is declined for any psychiatric reason, the case will be reviewed by an underwriting committee. Each case will be evaluated on the available information. Review the new Major Depression,
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Introducing CareForward, Thrivent’s new linked-benefit LTCi solution
CareForward™ positions Thrivent as an industry leader in extended care planning At Thrivent, we believe everyone deserves a financial strategy. And a strategy is only as good as the solutions—products, services or tools—that put that strategy into action. That’s why we’re excited to introduce CareForward™ — our new combination long-term care (LTC) and life insurance solution that launches April 25th in all states except California and New York. CareForward is a combination of LTC insurance and life insurance. Clients can pay a one-time lump sum premium or pay a premium over a period of years. As LTC benefits are used,
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Good News | New Secure File Upload Feature Now Available
Uploading your apps or other sensitive documents to GoldenCare is fast and easy! Our GoldenCare Team has been hard at work, developing new tools to help support your sales efforts. We’re pleased to announce the availability of our Secure File Upload feature! Whether related to new business, health prescreening, or agent contracting, you’ll be able to securely provide these files to our team without compromising the security of HIPAA-sensitive data. Did you know that as a GoldenCare agent, you have complementary access to several value-added tools and services, including: Perfect Portfolio of Products Superior, Personal Backend Support Product
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Good News | New Secure File Upload Feature Now Available
New Secure File Upload Feature Now Available Our GoldenCare Team has been hard at work, developing new tools to help support your sales efforts. We’re pleased to announce the availability of our Secure File Upload feature! Whether related to new business, health prescreening, or agent contracting, you’ll be able to securely provide these files to our team without compromising the security of HIPAA-sensitive data. To upload your apps or other sensitive documents to GoldenCare: Visit our agent website at com Click on Agent Resources Click on Secure File Upload Choose New
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We Need Your Input for Wednesday’s LTCi Objections Webinar!
Answering Objections Suggestions We value your opinion and YOUR expertise. Please fill out the survey below. If we feature one of your suggestions on any of our webinars, we’ll give you a 1,000 GoldenCare Reward points worth a $50 Amazon Gift Card! Overcoming Objections: Client Hesitancy Our LTCi Sales Expert has collaborated with a panel of other successful insurance producers, in addition to his own 25 years of experience… And we’re ready to share some valuable tips and strategies. Wed, Apr 13, 2022 2:00 PM to 2:45 PM CDT Questions or help registering? Call
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Take Our Survey! We Want Your Input
Answering Objections Suggestions We value your opinion and YOUR expertise. Please fill out the survey below. If we feature one of your suggestions on any of our webinars, we’ll give you a 1,000 GoldenCare Reward points worth a $50 Amazon Gift Card! Overcoming Objections: Client Hesitancy Our LTCi Sales Expert has collaborated with a panel of other successful insurance producers, in addition to his own 25 years of experience… And we’re ready to share some valuable tips and strategies. Wed, Apr 13, 2022 2:00 PM to 2:45 PM CDT Questions or help registering? Call
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Update to Massachusetts Medicare Documents
The commonwealth (state) of Massachusetts has revised the Medicare documents that must be left with applicants prior to completing the application. Effective April 1, 2022, the following changes are being made for Massachusetts Application documents. New Replaces A Massachusetts Consumer’s Guide to Medicare (2022) A Massachusetts Consumer’s Guide to Medicare (2021) Guide to Choosing a Medigap Policy (2022) Guide to Health Insurance for People with Medicare (2021) The updated documents will be available on the EssentialLTC Agent Resource Center beginning April 1, 2022. These can be found by selecting Massachusetts from the State-Specific Applications and Forms dropdown under the
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ACH payment at delivery option
Beginning April 1, your clients will have the option to pay their first premium required upon delivery of the policy by a one-time ACH transaction on NGL-EssentialLTC.com. This is only for the first premium payment when the LTCi policy is delivered to your client and it will not work for any other type of payment or policy. The payor of a policy can access the payment system by visiting NGL-EssentialLTC.com and selecting the Pay Premium button. After selecting the button, the payor will then be taken to the following screen: Once the policy information is submitted, the payor will be
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The Download: Your New Quarterly LTC Newsletter
Introducing The Download: Your Quarterly LTC Newsletter The Download is your resource for all Mutual of Omaha long-term care insurance news. You can expect this quarterly e-Newsletter to provide you the newest and most important LTCi sales ideas, product updates, tools and resources. Make sure to keep an eye out for opportunities to give direct feedback on what you want to see from us as well as chances to win prizes in our contests! Condition-Related Marketing: Cancer Just because a client has a history of cancer, that doesn’t mean they can’t qualify for long-term care insurance. View our newest
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