EssentialLTC Update EssentialLTC in StrateCision The enhanced version of EssentialLTC has been approved for use in StrateCision’s programs. VitalLTC updates coming soon We are still testing the VitalLTC updates. You will be notified when the updates are complete. 1035 Exchange Flyer Don’t forget that you can fund EssentialLTC by a tax-free 1035 Exchange. Click here to download the 1035 Exchange Flyer. It gives you valuable background information on 1035 Exchanges, reasons for doing them and it shows how NGL’s EssentialLTC can be funded with a 1035 Exchange. You can also reference the Agent Guide for a full breakdown
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Thrivent LTC: Rider Compatibility Chart
Optional Rider Compatibility Chart Not sure which riders can be added to the same policy? Can you select the Flexible Increase Benefit inflation with the 10-Pay? (No.) Is the Cash Benefit Rider available if you purchase the Return of Premium Upon Death Rider? (Yes.) Thrivent makes it quick and easy to determine rider availability for any scenario. On page 28 of the Producer Guide, you will find the Optional Rider Compatibility Chart seen below. Download Guide For the Optional Rider Compatibility Chart and a complete description of each rider, download the Producer Guide for quick reference. Download Now
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Managing Expectations When Clients Go on Claim
Your Phone is Going to Ring When the need for long-term care services arises, the producer often is the first person contacted. That’s why it’s important for you to understand your role in the LTCi claims process so you can help manage your clients’ expectations. If you become aware of a potential claim, notify the claims department as soon as possible. And be prepared to provide the following information: Insured’s name Phone number Mailing address Email address Policy number Insured’s representative/power of attorney Type of claim (i.e., home health care, assisted living, nursing home) Want to learn what happens next?
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Thrivent LTC eApp Notice
Internet Explorer will no longer be supported Beginning 5/15/21, iPipeline (which hosts the Thrivent eApp), will no longer support the Internet Explorer browser for use with the iGO eApp or Illustrations. If you are using Internet Explorer 11, please switch to one of the following supported browsers: Google Chrome Microsoft Edge Apple Safari Mozilla Firefox Users will see the following notice when logging into iGo: Top Thrivent eApp Tips Make sure you are using the correct iGo site and login. Different iGo accounts require different access URLs and different usernames. Entering the wrong credentials may result in an error
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NGL – Washington State Long Term Care Trust Act
Washington State Long Term Care Trust Act NGL would like to address the Washington State Long Term Care Trust Act and timing for application processing. The most recent date determined by the Washington legislature to meet the “opt out” provision by obtaining a private LTCi policy is November 1, 2021. There is a high probability that all LTCi carriers will see a large increase in applications from now until the fall. In order to process new business and offer an underwriting decision in a timely manner, we are suggesting any applications for applicants trying to meet the November 1 deadline
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USPS Mail Delays
You may have noticed substantial delays with the mail you receive through the US Postal Service (USPS). One of our concerns related to our business is the potential delay between the time mail is postmarked and the time it is received. This could cause issues for customers who receive renewal notices and pay premiums by mail. With that in mind, the Maryland Insurance Administration (MIA) has issued Bulletin 21–08 to direct agents and advisors to work with policyholders affected by this type of delay. The MIA asks agents and advisors to actively monitor and implement measures to avoid, to the
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Strength Through Teamwork – Association Marketing
We’ve updated our Association Marketing materials. Our new flyers and brochures are a great way for you tell the story about our how long-term care products can benefit association members. Getting Started This brochure provides some of the key reasons and ways you can grow your business by working with associations, including which products you can offer. The Guidelines This flyer lists association requirements and provides a step-by-step association approval process, from submitting a proposal to receiving approval. For more details and additional materials, visit our dedicated Association Marketing page on Sales Professional Access. Strength Through Teamwork
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Start the LTCi Conversation
Start the Long-Term Care Conversation Three Simple Approaches: Asking these simple questions often is a good way to get people talking about their families, their finances and their plans for the future. Who do you know? “If you’re like most people, you probably know someone who’s needed long-term care services. Maybe you’ve been a caregiver yourself. Either way, you know the emotional, physical and financial toll it can take on the family. Let’s make sure that doesn’t happen to your family.” What’s your plan? “Most people tell me their plan is to live a long life, but they often
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How We Stack Up to the Competition
How We Stack Up to the Competition This brochure outlines some of the competitive advantages you get when working with a carrier fully committed to traditional LTCi. From the training and support we provide to our financial strength and experience in the LTCi world… it’s all there. See the details → If you have any questions, please contact your Mutual of Omaha’s Sales Support at (800) 693-6083 or email sales.support@mutualofomaha.com. How We Stack Up to the Competition #goldencareagent #mutualofomaha
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Preparing for the Health Interview
Preparation is the key to a successful health interview. 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. 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 the next steps in the underwriting process and help them prepare for the health interview. Next LTCi application, take a
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