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Nationwide: Updated Nationwide Business Practices and Compliance Guide is now available

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Dear Financial Professional,

Thank you for your continued partnership with Nationwide®. Due to industry and Nationwide policy changes, a review of the Business Practices and Compliance Guide and the Anti-Money Laundering Policy was completed, resulting in modifications to the materials.

The Business Practices and Compliance Guide (Guide) and the Anti-Money Laundering (AML) Policies govern the activities of financial professionals. All financial professionals are required to comply with the Guide, state and federal laws, rules and regulations and any other applicable Nationwide policies and procedures.

Additional information

Our commitment to compliance begins with financial professionals who are committed to observing high standards of behavior.

The Guide provides the following information:

  • Suitability standards, required information and disclosures
  • Marketing and solicitation
  • Licensing and appointment
  • Processes and procedures

NOTE: These policies will occasionally be superseded by regulatory announcements and/or other communications. You will be notified via email or our website of any changes.

The AML policy provides the following information:

  • Recognizing red flags and suspicious activity
  • Acceptable forms of deposits
  • Penalties associated with money laundering
  • Confidentiality requirements

NOTE: If you notice possible money laundering activity, please contact Nationwide AML Compliance at 1-877-406-4747 or email BDRQST@nationwide.com.

What you need to do
Please review the AML policy and the Guide via the links provided above.

For help when you need it
If you have any questions or need additional information, please contact us at 888-767-7373.

Sincerely,
Nationwide Service Center

Visit us online

Go to nationwidefinancial.com to learn about our products, services and more.

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Thrivent / 2024 LTC Awareness Month Toolkit

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To take advantage of heightened awareness in the marketplace during the month of November, Thrivent has packaged some of our most popular resources designed to raise awareness and drive contact with financial advisors.

This kit includes:

  • About Thrivent
  • Conversation resources
  • LifeHappens videos, social media and flyers
  • Sales strategies
  • Info on the Caregiver Resources benefit
DOWNLOAD NOW
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OneAmerica Enhanced Asset Care 🩺 Tuesday, October 29

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OneAmerica Enhanced Asset Care!

Tuesday, October 29th – 11.00 AM to 11.30 AM PST

REGISTER NOW

Enhanced Asset Care launched on October 21!

For more than 35 years, the companies of OneAmerica Financial® have been a thought leader in the long-term care (LTC) protection industry. Solutions delivered with flexibility and care, Asset Care can help enable your clients to cover long-term care expenses if they need it — or leave a financial legacy to their loved ones if they don’t.

As the care needs of Americans continue to evolve, OneAmerica is pleased to announce that as of October 21, 2024, enhanced long-term care protection options will be available for Asset Care, including:

  1. Added benefits to support informal caregiving, independent caregiving and care received at home
  2. Simplified benefit period options to make tailoring a plan and designing coverage easier than ever before
  3. Improved value through enhanced pricing for many clients
  4. An increased benefit that provides direct physical, financial and emotional support for informal caregivers; and
  5. Expanded inflation protection options to help safeguard against rising costs of long-term care over time

OneAmerica Financial is here with you every step of the way — providing support, empathy, and strategies to help ease burdens so families can focus on what matters most. Register today to learn more about Enhanced Asset Care.

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Documenting a Written Strategy for Extended Care

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In June, Thrivent will be introducing a new Foundational Plan design approach for their traditional LTCi product.

Documenting a Written Strategy for Extended Care

As you may know, long-term care insurance isn’t the plan — insurance might help pay for the plan. This new worksheet can help clients think through and document their long-term care wishes. It can help discuss where care would be received and who would provide the care.

This worksheet should be completed no matter what the funding source. This is the family’s roadmap. We encourage couples to complete the worksheet individually and then compare notes.

This tool can help you, the financial advisor, to customize a funding plan as the client documents their concerns, family history and potential funding sources for the plan.

This resource can be downloaded below, or it can be found on TFLTCStore.com or on iPipeline’s FormsPipe.

DOWNLOAD NOW

The Foundational Plan – An affordable approach to Thrivent LTC

To reach more middle-income families and have more proactive conversations, the extended care conversation needs to be simplified, the need must be established and initial coverage must be seen as affordable.

Thrivent is introducing a Foundational Plan design for their traditional LTCi that will simplify the initial discussion, help FAs avoid giving clients sticker shock, and allow the client to buy-up to additional coverage as they see fit.

On this call Thrivent will discuss:

  • Thrivent’s Point of View on Extended Care planning
  • A simple conversation to set up an initial discussion.
  • Creating a written strategy for LTC (and a new tool to document a client’s plan)
  • A co-funding approach vs. an all-or-nothing approach.
  • New or revised tools that support this messaging.

Thrivent will also offer a refresher on their traditional LTCi policy showing you their competitive niches.

REGISTER NOW
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Discover new rate reductions to start 2024 strong!

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Lincoln is committed to seeking better ways to serve those looking for LTC protection by offering competitively priced solutions.

Effective January 22, 2024, Lincoln implemented pricing improvements on MoneyGuard Fixed Advantage® which includes reductions of up to 22% and on MoneyGuard® II in California with reductions up to 12%.

Contact me to discuss the most effective way to position this competitively priced solution.

Matt Anderson, President
Broadtower Insurance Solutions, Inc.
manderson@broadtowerinsurance.com
(949) 223-6140

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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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