The Next Steps After Submitting the Application

March 6, 2023 | by | Comments Off on 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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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
Tags: application process, interview, Long-Term Care, long-term care insurance, LTC, LTC protection, LTCi, mutual of omaha, Mutual of Omaha Insurance Company, MutualCare, MutualCare Solutions, MutualCare Solutions LTC, MutualCare Solutions LTCi, MutualCare Solutions Product, next steps, and omaha.

Condition-Related Marketing: Physical Therapy

March 6, 2023 | by | Comments Off on 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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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
Tags: insurance, insurance company, long-term, Long-Term Care, long-term care insurance, LTC, LTCi, Mutual, mutual of omaha, Mutual of Omaha Insurance Company, omaha, policy, and Underwriting'.

4 ways advisors can help clients with an extended care strategy

March 6, 2023 | by | Comments Off on 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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Categories: Industry News, Long-Term Care, and Thrivent.
Tags: closure, holiday, holiday closing, holiday closure, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, office closing, Thrivent, Thrivent Financial, and Thrivent Financial for Lutherans.

March Sales Madness is here!

March 6, 2023 | by | Comments Off on 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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Categories: Industry News, Long-Term Care, and National Guardian Life.
Tags: EssentialLTC, incentive, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, National Guardian Life Insurance Company, NGL, point of sale, sales incentive, and Sales Team.

Long-Term Care Clients Have Choices

March 6, 2023 | by | Comments Off on 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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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
Tags: cash benefit, insurance, Long-Term Care, long-term care insurance, LTC, LTC insurance, LTCi, mutual of omaha, Mutual of Omaha Insurance Company, MutualCare, MutualCare Solutions, omaha, and reimbursement.

The Value of a Care Coordinator – John’s Story

March 6, 2023 | by | Comments Off on 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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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
Tags: Long-Term Care, long-term care insurance, LTC, LTC Awareness, LTC Awareness Month, LTCi, mutual of omaha, omaha, and real life stories.

More than a monthly option!

March 6, 2023 | by | Comments Off on 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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Categories: Industry News, Long-Term Care, and National Guardian Life.
Tags: EssentialLTC, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, National Guardian Life Insurance Company, NGL, point of sale, and Sales Team.

Paid Long-Term Care Insurance 2022 Claims Grow

February 23, 2023 | by | Comments Off on 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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Categories: GoldenCare News, Industry News, and Long-Term Care.
Tags: AALTCI, American Association for Long-Term Care Insurance, claim, Jesse Slome, Long-Term Care, long-term care insurance, LTC, ltc claims, LTC insurance, LTC Planning, LTCi, LTCi claims, paid claim, Partnership, and premium.

LTCi Rate Adjustments Effective May 1, 2023

February 20, 2023 | by | Comments Off on LTCi Rate Adjustments Effective May 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 May 1, 2023*: Impacted Policy Forms Impacted States LTC04G Utah, Wyoming   For details on yearly rate adjustment percentages, view the supplemental grid here. Policyholder Notification Process Policyholders will receive a letter notifying them at least 60 days prior to the premium rate increase effective date as outlined above. Along with the premium rate increase notification letters, most policyholders will receive
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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
Tags: adjustment, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, mutual of omaha, Mutual of Omaha Insurance Company, omaha, premium adjustment, rate adjustment, and United of Omaha.

LTC Insurance Opportunities Within the Middle Market

February 20, 2023 | by | Comments Off on LTC Insurance Opportunities Within the Middle Market

You can help middle market clients customize their long-term care insurance (LTCi) policies to best meet their future needs while maintaining affordability. Use the variety of options available to help customize their long-term care policy so that it reflects their individual needs and lifestyle. Read our middle market LTCi sales idea to help you better understand the middle market potential clients—including their motivations, needs and hesitancies.   LTC Insurance Opportunities Within the Middle Market   #goldencareagent #mutualofomaha
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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
Tags: insurance, insurance company, long-term, Long-Term Care, long-term care insurance, LTC, LTCi, Mutual, mutual of omaha, Mutual of Omaha Insurance Company, omaha, and policy.