Good news! We’re eliminating our COVID-19 restrictions

March 31, 2022 | by | Comments Off on Good news! We’re eliminating our COVID-19 restrictions

Eliminating COVID-19 restrictions and more Securian Financial remains focused on delivering high levels of service, helping customers with their insurance needs, and maintaining the company’s financial strength. Your support in delivering on this focus has provided valuable insights to best navigate the unpredictable nature of a pandemic while addressing the additional risks it presents. Since these participation limits were implemented, our promise has been to actively review these guidelines. Along the way, we have delivered on a request for transparency to enable you to make the best decisions for your customers. While the pandemic isn’t over, we feel we have
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Categories: Industry News, Life Insurance, and Securian.
Tags: Coronavirus, COVID-19, hybrid, insurance, life, Life Insurance, linked benefit, Minnesota Life, pandemic, prescreen, SecureCare, SecureCare III, SecureCare UL, Securian, Securian Financial, Securian Life, Securian Life Insurance Company, underwriting restrictions, Underwriting', and virus.

NGL EssentialLTC – Updated COVID-19 Underwriting Guidelines

February 7, 2022 | by | Comments Off on NGL EssentialLTC – Updated COVID-19 Underwriting Guidelines

Updated COVID-19 Underwriting Guidelines Based on the evolving COVID-19 situation it has been determined that certain COVID-19 positive individuals may only have to wait one month instead of three or six to apply for coverage. We also eliminated guidelines on negative testing and close contact exposure. The new guidelines focus on COVID-19 positive test results, symptoms and recovery. Effective immediately, the new underwriting guidelines for COVID-19 are as follows: These guidelines have been updated in the Premier Underwriting Guide. It will be available tomorrow in Reference Guides under the Sales & Marketing tab on the Agent Resource Center (ARC). The
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Categories: Industry News, Long-Term Care, and National Guardian Life.
Tags: Coronavirus, COVID-19, EssentialLTC, field underwriting, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, National Guardian Life Insurance Company, NGL, pandemic, underwriting prequalification, underwriting process, Underwriting', and virus.

Condition-Related Marketing: COVID-19

November 8, 2021 | by | Comments Off on Condition-Related Marketing: COVID-19

Condition-Related Marketing: COVID-19 Mutual of Omaha continues to learn more about the risks of COVID-19 and how to best field underwrite for the condition. However, our new condition-related marketing flyer lists key tips to help you gather the most important information about your LTCi applicants. Download it now!   Condition-Related Marketing: COVID-19   #goldencareagent #mutualofomaha
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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
Tags: Coronavirus, COVID-19, insurance, insurance company, long-term, Long-Term Care, long-term care insurance, LTC, LTCi, Mutual, mutual of omaha, Mutual of Omaha Insurance Company, omaha, pandemic, policy, Underwriting', and virus.

Securian Update: COVID-19 guidelines

October 8, 2021 | by | Comments Off on Securian Update: COVID-19 guidelines

COVID-19 new business and underwriting participation guidelines extended through December 31, 2021 Securian Financial remains focused on delivering high levels of service, helping customers with their insurance needs, and maintaining the company’s financial strength. Your support in delivering on this focus has provided valuable insights to best navigate the unpredictable nature of a pandemic while addressing the additional risks it presents. Since these participation limits were implemented, our promise has been to actively review these guidelines. Along the way, we have delivered on a request for transparency to enable you to make the best decisions for your customers. While not
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Categories: Industry News, Life Insurance, and Securian.
Tags: Coronavirus, COVID-19, insurance, life, Life Insurance, Minnesota Life, pandemic, SecureCare, SecureCare UL, Securian, Securian Financial, Securian Life, Securian Life Insurance Company, Underwriting', and virus.

Return to pre-COVID guidelines: COI no longer required for every case

August 23, 2021 | by | Comments Off on Return to pre-COVID guidelines: COI no longer required for every case

Return to pre-COVID guidelines: COI no longer required for every case Effective immediately, we will no longer require a Certificate of Insurability (COI) to be completed at policy delivery if premium is submitted with the application and the policy is issued standard or better. As long as the premium is submitted with the application, doesn’t have a substandard rating, and bound via a temporary insurance agreement (such as in Cash with App cases), no COI will be required. Additionally, we will no longer require a COI to be completed prior to initiating a request of funds or 1035 exchange. This
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Categories: Industry News, Linked Benefit/Hybrids, and OneAmerica.
Tags: Asset Care, AssetCare, Coronavirus, COVID-19, hybrid, insurance, linked benefit, LTC, oneamerica, pandemic, State Life, Underwriting', and virus.

Changes to COVID-19 participation guidelines

July 1, 2021 | by | Comments Off on Changes to COVID-19 participation guidelines

Changes to COVID-19 participation guidelines Securian Financial remains focused on delivering high levels of service, helping customers with their insurance needs, and maintaining the company’s financial strength. Your support in delivering on this focus has provided valuable insights to best navigate the unpredictable nature of a pandemic while addressing the additional risks it presents. Since these participation limits were implemented, our promise has been to actively review these guidelines. Along the way, we have delivered on a request for transparency to enable you to make the best decisions for your customers. While not yet at the final stage in our
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Categories: COVID-19, Industry News, and Securian.
Tags: Coronavirus, COVID-19, insurance, Minnesota Life, pandemic, SecureCare, SecureCare UL, Securian, Securian Financial, Securian Life, Securian Life Insurance Company, Underwriting', and virus.

Long-Term Care Virtual Assessment Update

June 4, 2021 | by | Comments Off on Long-Term Care Virtual Assessment Update

Throughout the pandemic, Mutual of Omaha has been evaluating our underwriting and new business practices in efforts to support business continuity, deliver a high level of service and maintain our financial strength. In February, we announced a temporary transition to virtual assessments for applicants age 65 and over with favorable medical records. However, due to the increasing number of Americans being vaccinated, we will be moving back to face-to-face assessments. Effective June 1, 2021, virtual assessments will only be conducted when a nurse is not available or due to geographic location. *Reminder:  Underwriting will initiate scheduling assessments for LTC applicants
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Categories: COVID-19, Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
Tags: assessment, Coronavirus, insurance, insurance company, long-term, Long-Term Care, long-term care insurance, LTC, LTCi, Mutual, mutual of omaha, Mutual of Omaha Insurance Company, omaha, pandemic, policy, underwriting assessment, virtual assessment, and virus.

Long-Term Care Virtual Assessment Update

May 26, 2021 | by | Comments Off on Long-Term Care Virtual Assessment Update

From the Desk of Allen Gregoire Throughout the pandemic, Mutual of Omaha has been evaluating our underwriting and new business practices in efforts to support business continuity, deliver a high level of service and maintain our financial strength. In February, we announced a temporary transition to virtual assessments for applicants age 65 and over with favorable medical records. However, due to the increasing number of Americans being vaccinated, we will be moving back to face-to-face assessments. Effective June 1, 2021, virtual assessments will only be conducted when a nurse is not available or due to geographic location. *Reminder:  Underwriting will
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Categories: COVID-19, Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
Tags: assessment, Coronavirus, insurance, insurance company, long-term, Long-Term Care, long-term care insurance, LTC, LTCi, Mutual, mutual of omaha, Mutual of Omaha Insurance Company, omaha, pandemic, policy, underwriting assessment, virtual assessment, and virus.

Reminder: Now Conducting Virtual Assessments for LTCi

March 30, 2021 | by | Comments Off on Reminder: Now Conducting Virtual Assessments for LTCi

Throughout the pandemic, Mutual of Omaha has been evaluating our underwriting and new business practices in efforts to support business continuity, deliver a high level of service and maintain our financial strength. As a result, your LTC Underwriting team is temporarily completing virtual assessments for applicants age 65 and over with favorable medical records. Virtual assessment qualification parameters will be based on underwriter discretion. Minimum requirements for consideration: Applicants age 65 and over with favorable medical records. * Applicants with any blood pressure, build and mobility concerns will not qualify for a virtual assessment. What is required to successfully complete
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Categories: COVID-19, Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
Tags: assessment, Coronavirus, insurance, insurance company, long-term, Long-Term Care, long-term care insurance, LTC, LTCi, Mutual, mutual of omaha, Mutual of Omaha Insurance Company, omaha, pandemic, policy, underwriting assessment, virtual assessment, and virus.

COVID tax questions

February 22, 2021 | by | Comments Off on COVID tax questions

The Consolidated Appropriations Act (“CAA”) provided coronavirus relief as well as other tax related extensions that will affect your clients. Here are some highlights that relate to individuals. Stimulus checks are back. The amount is $600 per taxpayer and $1,200 for married persons filing jointly along with $600 for each qualifying child. Income limits vary upon marital status. Teachers and instructors who teach grades K-12 are allowed a $250/$500 (Single/MFJ) above the line deduction to allow for the purchase of personal protection equipment and disinfectant. The above the line deduction for $300 of charitable gifts is extended into 2021. There
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Categories: COVID-19, Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
Tags: Coronavirus, COVID-19, insurance, insurance company, long-term, Long-Term Care, long-term care insurance, LTC, LTCi, Mutual, mutual of omaha, omaha, pandemic, policy, tax, tax deductibility, Tax Deductions, and virus.