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Samael Tartaro

About Samael Tartaro

Posts by Samael Tartaro:

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NGL Super Summer Sales Incentive!

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Promotion Details

  1. Each qualified application submitted between 06/01/2023 – 06/30/2023 will earn the writing producer a check for the specified amount above, with a maximum of $750 in total winnings.
  2. Applications must be received at the NGL LTC Administrative Office by mail, E-APP or eUpload within the 06/01/2023 – 06/30/2023 time period.
  3. Payments will be made in early July after the promotional period ends.
  4. Joint applications count as one application.
  5. Credit will only be given to the writing producer.
  6. Credit will only be given for applicants who do not already have an EssentialLTC policy.
  7. Clearly uninsurable applications will not be counted.
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Mutual of Omaha LTC Insurance Contest

Mutual of Omaha is kicking off a Long-Term Care sales contest beginning May 1, 2023! This is a great opportunity for your producers to have those important conversations to determine potential needs for LTC coverage. In addition to implementing critical LTC solutions for clients, they could win a cash bonus as well!

Applications must be submitted between May 1 – 31, 2023.

Please review the contest flyer for complete rules and qualification information.

HOW TO QUALIFY
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Save $200 on CLTC Designation with Exclusive Discount

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Learn more, earn more

According to CLTC data, graduates write over 20% more LTCi in their first year after earning the CLTC designation.

Why should you invest in the designation?

Watch this video from a CLTC grad to learn why he took the CLTC designation, despite having over 20 years of experience in long-term care planning.

WATCH VIDEO

Thrivent believes in the benefits of being Certified in Long-Term Care. This program is designed to help you have better extended care discussions with your clients.

Thrivent has negotiated an exclusive $200 discount code for those looking to invest in themselves and increase their long-term care sales.

What you will learn:

– The consequences of providing and paying for care
– How to convey those consequences in a way that compels clients to take action
– Why LTCi is the essential tool that protects, not the individual needing care, but those he or she loves
– How to craft affordable coverage
– Understand what it takes to create authentic connections for the essential conversation with your clients
– Anticipate various planning scenarios

Insurance CE of 8-18 credits may also be earned (depending on your state)

Upcoming classes

Live Master Classes (via Zoom in 4 half-day sessions)
Students must attend all four sessions to complete the course.

5/23, 5/25, 5/30 and 5/31 (Complete the May course, earn your designation and the CLTC will reimburse you another $100)

6/5, 6/6, 6/7 and 6/8

On-demand eCLTC training (same training, but at your pace)

The discount code is THRIVENT (This code will expire on 7/1).

Costs and Discounts

Regular price for Master Class $1280
Minus $200 Thrivent discount
= $1080

Additional $100 reimbursement (for the May Zoom course only)
= $980

Act today!

This discount offer will expire 7/1/23.

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Meet the LTC policy that just REDUCED premium rates by 25%!

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REGISTER NOW

SecureCare III is an Asset Based LTC policy with cash indemnity benefits from Securian Financial. Join us as we cover all of the guaranteed features and benefits SecureCare III has to offer, all at a reduced price.

In this webinar, you’ll discover SecureCare’s:

  • Guaranteed cash indemnity LTC benefit
  • Guaranteed death benefit
  • Three return of premium (ROP) options, including LTC Boost
  • Multiple premium options (single pay, 5-, 7-, 10- or 15-pay)
  • Four inflation protection options: 3% and 5%, simple and compound
  • Potential to deduct LTC premiums
  • Streamlined underwriting
  • Securian Financial’s Care Management Program
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NGL LTC / Your Sales Will Be A Slam Dunk With EssentialLTC!

Your Sales Will Be A Slam Dunk With EssentialLTC!

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:

  1. 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.
  2. Applications must be received at the LTC Administrative Office by mail, E-APP or eUpload within the 03/01/2023 – 03/31/2023 time period.
  3. Payments will be made in early April after the promotional period ends.
  4. Joint applications count as one application.
  5. Credit will only be given to the writing producer.
  6. Credit will only be given for applicants who do not already have an EssentialLTC policy.
  7. Clearly uninsurable applications will not be counted.
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Lincoln MoneyGuard® Couples Discount

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Special Underwriting Program Lowers Rates and Increases Value Through Dec. 30, 2022.

Lincoln is excited to announce that effective Oct. 24, 2022, all eligible standard Lincoln MoneyGuard® cases will now receive the Couples Discount underwriting class, regardless of marital status, until Dec. 30, 2022. Lincoln MoneyGuard is a life insurance solution with long-term care rider, and this enhanced underwriting program improves pricing up to 17% and increases value, supporting our commitment to helping our partners grow their business and reach new customers.

What you need to know

Lincoln MoneyGuard cases pending as of Oct. 24, 2022 and placed in force by Dec. 30, 2022 will be eligible for the Couples Discount.

Product Availability

  • All Lincoln MoneyGuard product solutions.

Case Submission & Eligibility Guidelines

  • New policy submissions must include an illustration with the Couples Discount selected.
  • Cases in a pending status as of Oct. 24, 2022 are eligible. To qualify and apply for this program, a revised illustration with the Couples Discount selected must be submitted.
  • Cases placed in force prior to Oct. 24, 2022, are not eligible.
  • MoneyGuard® iGO eApp and traditional application submissions are eligible.
  • To qualify for the enhanced underwriting Couples Discount, all eligible cases must be placed in force, or 1035 exchange initiated, by Dec. 30, 2022.

Transition Guidelines

  • For placed business, normal internal replacement guidelines apply. Rewrites will not be accepted.
  • Ensure that you are appropriately licensed and credentialed. Clients of financial professionals who are not properly credentialed to solicit business when the paperwork is submitted will be subject to the marital status on the date when the financial professional becomes properly credentialed and resubmits the paperwork.
  • Once an application is submitted, the Personal History Interview (PHI) must be completed within 60 days of submission. In addition, the case must be placed within 90 days of the PHI as long as the 90 days don’t go past Dec. 30, 2022. If these conditions are not met, the case will be closed out. If a case is reopened, a new Part 1 must be submitted, and the case will be subject to the marital status at that time.
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NGL EssentialLTC 🌄 Have you reached the mountain top?

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From September 16, 2022, through October 31, 2022 you could earn up to $1,000 in Amazon gift cards simply by selling NGL’s EssentialLTC.

To qualify for this promotion, start by submitting an EssentialLTC application.

Second application = $100 Amazon gift card
Third application = $200 Amazon gift card
Fourth application = $300 Amazon gift card
Fifth application = $400 Amazon gift card

Achieve your goals and reach new heights with NGL!

Promotion details:

  1. After the first application, each qualified application submitted between 09/16/2022 – 10/31/2022 will earn the writing producer an Amazon gift card for the specified amount above, with a maximum of $1,000 in total winnings.
  2. Applications must be received at the NGL LTC Administrative Office by mail, E-APP or eUpload within the 09/16/2022 – 10/31/2022 time period.
  3. Payments will be made in early November after the promotional period ends.
  4. Joint applications count as one application.
  5. Credit will only be given to the writing producer.
  6. Credit will only be given for applicants who do not already have an EssentialLTC policy.
  7. Clearly uninsurable applications will not be counted.

Other Current Promotions…

NGL’s Producer Circle

The top 10 writing agents who sell NGL’s EssentialLTC will earn free airfare and hotel for themselves and a guest to beautiful Miami, Florida. NGL can’t wait for you to them at The Fontainebleau Miami Beach from March 26-31, 2023. Click here for the current standings.

Double credit on placed Ten Pay Premium LTC

To help increase your chances to qualify for NGL’s Producer Circle, you will automatically receive double credit on placed Ten Pay Premium LTC from 08/01/2022 – 12/29/2022.

Earn a $1,000 Amazon gift card

The producer who places the largest aggregate premium of Ten Pay LTC from 08/01/2022 – 11/30/2022 will earn a $1,000 Amazon gift card.

 
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NGL EssentialLTC 📌 New Enhanced EssentialLTC State Releases

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Effective September 2, 2022, the states of AZ, CT, FL, IN and the District of Columbia will receive the Enhanced EssentialLTC. Get your applications in now to use the current rates before then!

Features

  • For joint policies, when one insured passes away the premium will now decrease to an amount specified on the illustration and Policy Schedule for each person.
  • The Waiver of Premium Rider for Home and Community Care Services is now built into the policy and premium when Comprehensive Coverage is selected.
  • The 10-Year Premium Payment Option is now fully guaranteed and will never be subject to a rate increase.  Florida now has a 10-Year payment option!*
  • The underwriting rate classes will be consolidated into a single gender-distinct rate class called “Premier”.  It is a simplified competitive offering with clearer underwriting expectations.  The Employer Group rate class will still be available to approved employer groups in the states where it is available.  (The 5% employer group discount for Arizona and Florida is being replaced by the Employer Group rate class.)

*Florida does not have a Single-Pay option

Streamlined Rider Selection

  • Removed: The Step-Rated Compound Inflation Protection Rider.  Still Available: The Compound Inflation Protection Rider with 3% and 5% options.
  • Removed: The Full Return of Premium Rider.  Still Available: The Limited Return of Premium Rider.
  • Removed: The Full Return of Premium with Optional Policy Surrender Rider.  Still Available: The Limited Return of Premium with Optional Policy Surrender Rider.
  • Removed: The 0-Day Elimination Period.  Still Available: The 30, 90 and 180-Day Elimination Periods and the First Day HCCS Benefit Rider.

All available riders can be found in our EssentialLTC Product Summary.

New Business

Applications written in AZ, CT, FL,IN and the District of Columbia must be dated and received in good order by the LTC Administrative Office by the close of the business day at 5 p.m. PST on September 1, 2022, to use the current features and premium structure.

This is applicable to the E-APP, mailed paper applications and uploaded PDF applications. Applications dated or received by the NGL LTC Administrative Office on or after September 2, 2022, must use the updated forms applicable to the client’s resident state and must follow the guidelines from the Premier Underwriting Guide.  No exceptions will be made.

E-APP

E-APP, the illustration program and the quick quote calculator will be updated with the enhancements the evening of September 1, 2022.

To use the current version of the product, all parties must complete their signatures in DocuSign and the E-APP must be submitted, in good order, prior to the September 2, 2022.  For BGAs using the E-APP stopover feature, E-APPs must be reviewed and submitted prior to September 2, 2022, to be considered received before the deadline.

Any E-APP where signatures are not complete and/or not submitted prior to September 2, 2022 will need to be rewritten using the updated forms, premium structure and rate class.  No exceptions will be made.

The enhanced EssentialLTC is currently available in the following states: AK, AL, AR, CO, DE, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY.

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NGL EssentialLTC 📘 Product Introduction Guide

If you know someone who is interested in selling EssentialLTC, the Product Introduction Guide is an excellent source of high-level information for prospective agents.

The guide touches on several key points of what makes EssentialLTC a comprehensive LTC product and includes information on NGL, popular product features, popular riders and product details.

See how EssentialLTC can help your clients by visiting the Agent Resource Center and downloading a copy under Reference Guides. Or download by clicking the button below.

Product Introduction Guide

WATCH LIFETIME BENEFIT RIDER VIDEO

WATCH SHARED BENEFIT RIDER VIDEO

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Thrivent: CareForward’s Underwriting Tools

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Discover the new underwriting tools Thrivent has developed for CareForward.

Thrivent launching linked-benefit LTCi on 4/25

In addition to their stand-alone LTCi solution, Thrivent is excited to introduce CareForward™ — their new combination long-term care (LTC) and life insurance solution that launches April 25th in all states except California and New York.

CareForward will be available through Broadtower beginning April 25.

In the lead-up to the launch, we will be sharing essential tools and information. This week we are pleased to share details about CareForward’s underwriting.

CareForward – Underwriting Tools now available

All-in-One Underwriting Guide

The new underwriting guide contains information for both the traditional Thrivent Long-Term Care Insurance and CareForward.

Sections in the guide are identified as to whether they are specific to LTCi
or CareForward, or both.

This guide should be used as a reference only.

Always prequalify health with the underwriters if the applicant has health concerns.

CareForward will be underwritten in-house by Thrivent, while the traditional LTCi solution will continue to be underwritten by LTCG. If pre-screening with both products, the prescreen form would need to be sent separately to each group.

Download UW Guide

Additional Underwriting Tools:

CareForward: Accelerated Underwriting

Accelerated Underwriting is a “triage” approach to provide an easier and faster underwriting process for proposed insureds who present a lower risk.

This approach attempts to balance the overall mortality and morbidity by gaining more information — without extra effort from the proposed insured — from additional sources, which could ultimately speed up the process (i.e., eliminate need for exam and blood chemistry profile).

To clarify, Accelerated Underwriting is not:

  • “Simplified underwriting,” which offers a simple process as a trade-off for higher rates; or “Guaranteed issue,” which offers guaranteed coverage as a trade-off for higher rates.

CareForward: Accelerated Underwriting guidelines

  • $50,000 to $500,000 in total initial face amount.
  • Ages 18 to 60.
  • Not available for applicants age 50 through 60 if the applicant has not seen a physician in the past 24 months.
  • There is an automatic 10% holdout on Accelerated Underwriting applications.

CareForward sessions

Introduction to CareForward by Thrivent

Learn about the new combination long-term care (LTC) and life insurance solution from Thrivent. CareForward is designed to be highly competitive in the marketplace and offer maximum leverage if care is needed. Thrivent will provide an overview of this new solution, and give you a demo of their new comparison tool that illustrates CareForward alongside our traditional LTCi solution.

Register for an upcoming session:

NOTE: At registration, when prompted for your Thrivent BGA, enter Broadtower.

These sessions will not be recorded.

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