Your clients have busy lives. Between family and work obligations, they have a lot going on. So even if they understand the value of long-term care insurance, purchasing a policy often isn’t a top priority. But they may not be aware there’s cost associated with waiting. It’s easy to put things off until tomorrow. But some of life’s decisions are too important to ignore. Waiting to purchase a long-term care insurance policy is one of them. Waiting may mean paying higher premiums down the road. Procrastinating also could lead to the inability to qualify for coverage. That makes this concept
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New Personal Worksheets
Effective August 31, 2023, new personal worksheets will be available for New York and North Dakota. Here’s what you need to know. Updates include: Rate Increase History Grid Two new questions (#2 & #6) Rewording of questions and additional answer options California will be implemented at a later date. Previous worksheets will no longer be accepted after September 30, 2023. New Personal Worksheets #goldencareagent #mutualofomaha #longtermcare
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The Reality of Long-Term Care Services
We all know the need for long-term care services, but the reality is that costs are going up year after year. The national average cost for a private room in a nursing home is over $100,000 per year. Arm yourself with the tools needed to educate your clients on the rising costs and provide a solution with an LTCi policy. The Reality of Long-Term Care Services #goldencareagent #mutualofomaha #longtermcare
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There Are Costs to Waiting to Purchase LTCi
Everyone is busier than ever, including your clients. And, while purchasing a long-term care policy often isn’t a top priority, they probably don’t realize that there are true costs associated with putting off that purchase until later. Waiting to purchase a long-term care insurance policy is too important to ignore—it can lead to paying higher premiums down the road. Or even worse, procrastinating could lead to the inability to even qualify for coverage. That makes this concept well suited for: People who are inclined to put off the decision to buy People who think long-term care insurance is too expensive
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Top LTC Producers with Mutual of Omaha
Under a Palmetto Moon You and your guest will experience a once in a lifetime trip to enchanting Charleston, and you’ll do it in the lap of luxury. You’ll stay in the award-winning Hotel Bennett in the heart of the city, eat seafood that was in the ocean earlier that day and soak up enough sunshine and Southern hospitality to have you saying “y’all” for months. That’s living life Under a palmetto moon. You don’t want to miss it. HOW TO QUALIFY Be one of the top 10 long-term care producers to have at least 150,000 incentive credits with a
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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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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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LTC COVID-19 Underwriting Guidelines Update
From the Desk of Allen Gregoire Mutual of Omaha has been closely monitoring our new business and underwriting practices since the beginning of the COVID-19 pandemic, periodically making business decisions regarding our underwriting guidelines. We are pleased to announce that we are updating our long-term care insurance guidelines effective immediately. The following updates apply to all submitted and pending in-house LTCi cases: If the proposed insured, or any member of their household, has come into close contact with anyone known to the insured to have tested positive for COVID-19 and is asymptomatic, there is no required waiting period if the
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COVID-19, Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
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assessment, case submission, Coronavirus, COVID-19, insurance, insurance company, long-term, Long-Term Care, long-term care insurance, LTC, LTC application, LTCi, Mutual, mutual of omaha, Mutual of Omaha Insurance Company, MutualCare, MutualCare Solutions, MutualCare Solutions LTC, MutualCare Solutions LTCi, MutualCare Solutions Product, omaha, pandemic, policy, and virus.
Making a Case for Return of Premium
Return of premium riders often are misunderstood. Sure, they may add to the cost of a policy. On the other hand, they can be just what a client needs to feel comfortable making a buying decision. With three return of premium options available on Mutual of Omaha’s MutualCare® Custom Solution policy, you are sure to find one that can turn a skeptical prospect into a confident customer. Read the Sales Idea to learn more. Making a Case for Return of Premium #goldencareagent #mutualofomaha #longtermcare
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Encourage Clients to Purchase LTCi Now, Not Later
Your clients have busy lives. Between family and work obligations, they have a lot going on. So even if they understand the value of long-term care insurance, purchasing a policy often isn’t a top priority. But they may not be aware there’s cost associated with waiting. It’s easy to put things off until tomorrow. But some of life’s decisions are too important to ignore. Waiting to purchase a long-term care insurance policy is one of them. Waiting may mean paying higher premiums down the road. Procrastinating also could lead to the inability to qualify for coverage. That makes this concept
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