National Guardian Life | NGL EssentialLTC for Employers

National Guardian Life | NGL EssentialLTC for Employers

National Guardian Life | NGL EssentialLTC for Employers
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NGL EssentialLTC is designed for not only individuals looking for long-term care, but for employers as well. If you have a business interested in long-term care, then we have the materials you need to succeed in providing the excellent benefits of EssentialLTC to prospective employer groups.

These materials can also be found on the Agent Resource Center in the Sales & Marketing link under the Worksite tab.

For a product that can do more, choose Essential LTC for your next employer offering.

For agent inquiries contact your dedicated Agent Services Team at 888.505.2332 or status@ngl-essentialltc.comFor sales questions contact the Long Term Care Sales Team at LTC@nglic.com.

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x7731 | sales@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

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support@pfsinsurance.com

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Mutual of Omaha | Weekly Update

Mutual of Omaha | Weekly Update

Mutual of Omaha | Weekly Update
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Express

A Weekly Update for Mutual of Omaha’s Brokerage Sales Distribution | June 09, 2021

Life Insurance

Converting Term into Permanent Coverage

Converting to an IUL Express product before they reach their term limit could result in a lower premium than if they would wait till the term is up.

Using Income Advantage IUL with a Stay Bonus Strategy
Key employees are an important part of keeping the business going if there is a change in management.

Medicare Solutions

Dental Cash for Apps
This summer you can earn extra cash for your dental sales during our limited time program!

2022 Prescription Drug Plan Training
AHIP and Mutual of Omaha Rx Training will be available June 21, 2021.

Save Your Clients Money on Dental
Mutual of Omaha offers multi-policy savings when our dental policy is sold with our Medicare supplement policies.

Upcoming Rate Adjustments
Review upcoming rate adjustments in various states.

Long-Term Care

Washington State Long-Term Care Insurance Product Offering Update
Effective immediately, we are requiring several changes to the MutualCare® Solutions product offerings for the state of Washington.

Condition-Related Marketing: Osteoporosis
We’ve created a new condition-related marketing series. Check out our first installment where we discuss osteoporosis.

Disability

Enhancing Existing Coverage
Do your clients already have existing disability income insurance as part of their current employment benefits? Do they understand their group coverage?

Mutual Income Solutions Affordability
Without the income they rely on, how will your clients’ family make ends meet?

Critical Illness

Cross-Selling Critical Advantage
Nearly everyone knows someone who has been affected by cancer or heart disease. The need for our Critical Advantage product is undeniable. Cross-sell our package to your Medicare Supplement clients.

Quick Quotes!
You’re just a few clicks away from an easy mobile quote!

Annuities

New Best Interest Training for Annuity Sales in Idaho, Michigan and Nebraska
The NAIC has approved revisions to its Suitability in Annuity Transactions Model Regulation in Idaho, Michigan and Nebraska. Learn what that means for you.

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x7731 | sales@pfsinsurance.com

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1 (800) 772-6881
support@pfsinsurance.com

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American Equity | REMINDER: NAIC Suitability training

American Equity | REMINDER: NAIC Suitability training

American Equity | REMINDER: NAIC Suitability training
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Reminder: Agent training in NAIC Suitability

We previously shared the adoption of the NAIC #275 Suitability Model Regulation changes for sales in Iowa and Arizona. With the adoption, we shared form changes, new disclosure, and documentation requirements, and agent training requirements.

As a reminder, a new four-hour NAIC training course has been developed to incorporate prior requirements plus “Best Interest.” If you have already taken the previously required four-hour NAIC suitability training course as of the date the state adopts the new regulation, you have the option to take an additional state-approved, one-hour specific Best Interest course or the newly-approved, four-hour course.

If you have not taken the existing four-hour NAIC course, you will have to take and pass a newly-approved, four-hour course that incorporates the past requirements, plus Best Interest, prior to soliciting an application.

The date to complete this additional required training is July 1, 2021.

Please visit our “Suitability & Best Interest” webpage for additional information about suitability at our company, including our guides, resource videos, state training requirements, and frequently asked questions.

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x7731 | sales@pfsinsurance.com

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1 (800) 772-6881
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Mutual of Omaha | Weekly Update

Mutual of Omaha | Washington State Long-Term Care Insurance Product Offering Update

Mutual of Omaha | Washington State Long-Term Care Insurance Product Offering Update
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In efforts to support the Washington State Cares Fund initiativeMutual of Omaha implemented underwriting and commission changes for applications received from the state of Washington, including:

  • A 100% chargeback for policies issued May 19, 2021 – November 1, 2021, and lapsing within the first policy year.
  • Declining applications for clients not seen by a physician in the last 24 months. 

However, due to continually increasing application volumes from the state, Mutual of Omaha must make additional modifications. Effective immediately, we are instituting the following adjustments to the MutualCare® Solutions product offerings for the state of Washington:

  • Increasing minimum issue age to 40 
  • Increasing minimum monthly benefit to $3,000
  • Increasing minimum inflation option to 3%, lifetime duration

To process applications not meeting the minimum requirements listed, paper and e-applications must be received at Mutual of Omaha on or before June 11, 2021. No exceptions will be made. 

By taking steps to ensure Washington residents purchase a long-term care policy for the security and benefits it provides rather than a means for exemption from the payroll tax, Mutual of Omaha is upholding our responsibility as a leading LTCi provider.  

How You Can Help 

  • Help clients understand the value of a long-term care policy designed to offer peace of mind for themselves and their families by explaining key product benefits.
  • Speed up processing time by emailing completed applications directly to epsupport@LTCG.com, or faxing copies to (888) 539-4672.
For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x7731 | sales@pfsinsurance.com

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1 (800) 772-6881
support@pfsinsurance.com

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Global Atlantic | Give your clients the income boost they need

Global Atlantic | Give your clients the income boost they need

Global Atlantic | Give your clients the income boost they need
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A guaranteed 20% income boost on day one to help your clients get back on track

Meet Ana and Dan. They’d like to retire in the next five years and are looking to grow their retirement income while they wait to begin payments. What can they do?

This is where Income 150+ SE fixed index annuity comes in. Its strong early income story begins with a guaranteed 20% income boost on day one.1 And the longer they wait to use their income benefit, the more income boosts they’ll receive. Take a look at our new case study to follow their story.

1 Income boosts, also known as Deferral Bonuses, are based on the premium paid and credited to the Withdrawal Base, reduced for any withdrawal in proportion to the reduction in contract value. 

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x7731 | sales@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

1 (800) 772-6881
support@pfsinsurance.com

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Contact a Pinnacle Financial Service representative today for assistance.

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