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NGL: New Long-Term Care Product Filed

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BIG NEWS – NGL has filed a new LTC Product

We’re thrilled to share big news from NGL Long-Term Care! NGL has filed an innovative new LTC product packed with enhanced features and benefits designed to better serve your clients. Pending regulatory approval, this will elevate the way NGL protects your clients’ futures.

See below for a preview of the product and to learn about the exchange program for the new product.

New Product Preview

Pending states’ regulatory approval, NGL’s new long-term care offering includes the following:

What’s Staying Great…

  • Joint product for couples
  • Third shared pool option for couples (Shared Benefit Amount Rider)
  • 2, 3, 4, 5 or 6-year benefit periods
  • 10-Pay option (includes rate guarantee)
  • 90- and 180-day elimination periods

Exciting New Additions…

  • Monthly benefits of $1,500 to $12,000 ($300 increments)
  • Calendar day Elimination Period
  • Compound inflation riders of 1,2,3,4, and 5%
  • Alternate plan of care
  • Premium based on current age rather than age-nearest-birthdate
  • 5% partner discount for applicants that are part of a couple, but applying individually
  • 10-year rate guarantee for lifetime pay
Exchange Program:

To ensure a smooth product transition that is fair to consumers that want to become insured before the new product is released, NGL will offer a guaranteed exchange to the new product.

Here’s What You Need to Know:

Exchange eligibility starts with applications dated May 1, 2025, or later in the Compact States, which are:

AL, AK, AZ, AK, CO, CT, DE, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MA, MI, MN, MS, MT, NC, ND, NE, NV, NH, NJ, NM, OH, OK, OR, PN, RI, TN, TX, UT, VA, VT, WA, WV, WI and WY.

  • Non-Compact States will have exchange opportunities as filing and launch timelines are confirmed
  • Exchanges are available for 60 days after the product launches in each state
  • No new underwriting required—hassle-free!
  • New product premiums will be based on the insured’s age at time of exchange
NGL’s Commitment to LTC

NGL is dedicated to leading the LTC insurance market with products that meet your clients’ needs. This new product is a game-changer, and this exchange program demonstrates their commitment to you and your clients.

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SecureCare UL hits the big time in CA

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Big news, big changes. Securian’s SecureCare™ Universal Life (UL) is hitting the big time in California. Two major updates are on the way!

New rates in California launching April 7, 2025
SecureCare UL launches new rates in California on April 7, 2025, creating stronger opportunities for your agents and their clients.
Get the details

New online application process for SecureCare UL launching March 31, 2025
Clients will be able to complete the underwriting questionnaire (part 2 of the application) online starting March 31, 2025. Using this option can reduce underwriting times by one week, on average.
Learn more

With these launches, SecureCare UL is taking center stage in California – offering greater value, enhanced convenience and new opportunities for you and your agents.

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Mutual of Omaha Express

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Express
A Weekly Update for Mutual of Omaha’s Brokerage Sales Distribution
MARCH 19, 2025
Life Insurance

Who is in Your IUL Bracket?

Make sure that Income Advantage IUL and Life Protection Advantage IUL are top seeds in your life insurance bracket this year.

Coverage at the Speed of Life

Get your clients the protection they need when they need it with Term Life Express® – the quick-issue solution packed with valuable features that requires minimal paperwork and delivers maximum peace of mind.

Medicare Solutions

Dental Insurance Announcement

We will be adjusting dental rates in the coming months as states approve.

Available Premium Payment Options

Refresh yourself on Mutual of Omaha’s payment and processing guidelines.

Upcoming Rate Adjustments – Med supp and Dental

View upcoming Med supp and dental rate adjustments for various states.

Long-Term Care

LTCi Inforce Rate Increase

Effective June 1, 2025, we will be implementing inforce rate adjustments that impact the state of Illinois.

Case Monitoring: A Valuable Resource for Tracking Long-Term Care Policies

Case Monitoring is a great tool that can be utilized for receiving regular case status updates from your LTC case manager.

Critical Illness

A Fresh Take on Critical Advantage

Let our refreshed marketing materials help you start the conversation about our Critical Advantage portfolio with clients.

Managing Cancer Costs with Mutual of Omaha’s Cancer Insurance

Help your clients focus on recovery, not financial stress, with comprehensive cancer insurance coverage.

Annuities

Deferred Annuity Rates Will Decrease for March 24, 2025

New money rates for deferred annuity products will decrease on March 24, 2025

Sign-Up for Express

View Express Archive

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Tax-Free Dollars for LTC 🩺 Tuesday, February 11

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Annuities are a fantastic retirement income solution, but what happens if they’re no longer needed for income?

Tuesday, February 11th – 10.00 AM to 10.30 AM PST

REGISTER NOW

Did you know that 73% of annuities owners will not use their annuities for income, but rather plan to use those funds to pay for future extended health care needs? This equates to an enormous opportunity to help your clients turn a taxable, non-qualified annuity into larger, tax-free dollars for LTC.

LEARN HOW YOU CAN:

  • Turn a taxable, non-qualified annuity into larger, tax-free dollars for LTC
  • Leverage the liability of tax-deferred assets into a larger, tax-free pool of money for LTC
  • Use assets to provide LTC for 2 people
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Deep-dive webinar on Thrivent’s Traditional LTC

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Deep-dive webinar on Thrivent’s Traditional LTC

January 15, 2025 / 12:00-1:00 PM PST

Learn about the benefit-rich standalone LTCi product, backed by an A++ rated fraternal insurer, that is now available to independent producers. Thrivent will discuss the benefits, riders and sweet spots where Thrivent shines.

This session provides a deeper look at Thrivent’s traditional LTC solution, including:

  • A refresher on Thrivent’s differentiators against others in the industry.
  • Innovative inflation options
  • Underwriting niches and the importance of prescreening health.
  • Caregiver resources by Homethrive
REGISTER NOW

NOTE: When registering, please enter the name of Your Thrivent BGA when prompted. This will allow you to receive replay information as well as any materials discussed on the call.

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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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