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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Condition-Related Marketing: Atrial Fibrillation (AFIB)
Condition-Related Marketing: Atrial Fibrillation (AFIB) AFIB is a somewhat common health condition that can raise concern during the underwriting process. We have created a brand new flyer that answers questions specific to the condition for your reference. This piece highlights the distinctions between Atrial Fibrillation and Atrial Flutter, who is at risk, evaluation methods, treatment options and a brief overview of underwriting guidelines. Check out our AFIB flyer #goldencareagent #mutualofomaha
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IULs Rise to the Top, Two Years Running
For the second year in a row, Mutual of Omaha has been named “Best Indexed Universal Life Insurance” by Investopedia. What Makes Mutual of Omaha’s IUL products stand out? Investopedia highlights that Mutual of Omaha policies are: Straightforward and relatively easy-to-understand Flexible, so that customers can tailor their coverage to best suits their individual goals Backed by our excellent financial strength ratings This recent announcement reinforces Mutual of Omaha as a leader in the indexed universal life insurance market. We are proud of the recognition and committed to providing strong and valuable products for you and your customers. Thank you
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New Underwriting Updates for TLE and IUL Express
We are excited to announce updates to our Underwriting Guidelines and application forms for Term Life Express and IUL Express. Effective April 22, 2023, the following changes will be implemented to help make our policies more accessible for your clients. We have lowered the age for Diabetes automatic declines. Diabetes will be automatically declined when diagnosed prior to age 45 (except in CA, the age is 50) Marijuana is no longer considered an “unlawful drug” for the purposes of the application and underwriting The lookback period for hospitalization due to High Blood Pressure or Mental Health has been reduced from
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Clean Health History Today Doesn’t Guarantee Long-Term Care Insurability
After a devasting diagnosis, a clean bill of health is a wonderful thing. But just because a client currently has a clean medical history, doesn’t automatically mean that they can qualify for long-term care insurance. View our Cancer conditional-related marketing flyer to find out more about the considerations you must take into account when prescreening your clients to help determine their insurability. Clean Health History Today Doesn’t Guarantee Long-Term Care Insurability #goldencareagent #mutualofomaha
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Multiple e-Sign Options for Lumico/Elips Applications
Agents can now submit Lumico Life Insurance Company and Elips Life Insurance Company Medicare Supplement applications straight from the CSG Actuarial quoting and enrollment platform! There are multiple signature options available: Applicant Provides Identifying Information: Applicant’s Mother’s Maiden Name and Last 4 Digits of Applicant’s Social Security Number. In-person only. Email Signature Link: In-person or remote Text Signature Link: In-person or remote Wet Signature: Agent prints filled out PDF application, applicant and agent sign application, and the agent sends application directly to the carrier. Join us Wednesday, May 3rd at 10:00 AM Central for a live demonstration. Click here to
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GoldenCare News, Industry News, and Medicare Supp./Adv..
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Now Available: Lumico/Elips E-Application on CSG
NOW AVAILABLE! Submit Lumico / Elips Medicare Supplement applications on CSG! Agents can now submit Lumico Life Insurance Company and Elips Life Insurance Company Medicare Supplement applications straight from the CSG Actuarial quoting and enrollment platform! Join us Wednesday, May 3rd at 10:00 AM Central for a live demonstration. Click here to register. REGISTER NOW To learn more about the E-Application Platform, contact GoldenCare at 800-842-7799 or email marketing@goldencareusa.com. #goldencareagent #csgactuarial
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GoldenCare News, Industry News, and Medicare Supp./Adv..
app-submission, comparing, CSG Actuarial, e-App, e-Application, Elips, Elips Life, Elips Life Insurance Company, insurance, Lumico, Lumico Insurance Company, Lumico Medigap Solutions, Med Adv, Med Advantage, medicare, Medicare Advantage, Medicare Supplement, PDP, prescription, quoting, and Underwriting'.
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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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