February 2020 Monthly News & Updates
The Brokerage Resource
Critical illness insurance pays a lump-sum benefit upon diagnosis of a critical illness (cancer, heart attack, stroke) or condition.

Having a critical illness policy helps your clients avoid the financial strain that a major illness can create so they can focus on their recovery.
February is Heart Month. ❤️

Heart disease is the leading cause of death for men and women. A person dies every 37 seconds in the United States from cardiovascular disease

Source:  CDC.gov
Managing Healthcare Expenses in Retirement

We've put together comprehensive guides that explain the rising costs of healthcare. One version includes a section on just Medicare and the second guide includes an entire section on Long-term Care.
If you'd like either of these guides branded for you with your agency logo and contact information, please reach out to our Director of Marketing, Carolyn Portanova. 919.794.3179 OR click below.
Our carriers have announced their 2021 Leaders' trips. Visit our Incentives page to learn about their exciting new destinations and qualifications to earn the trip of a lifetime.
Destinations like Hawaii, Australia, Jamaica, Vancouver and Aruba await you and a guest in 2021.

Additionally, ongoing incentives continue for many of our carriers to put extra cash in your wallet throughout the year.

And don't forget about marketing credits that can be redeemed for business expenses.
Cigna
Cigna is enhancing their Flexible Choice Cancer and Heart Attack and Stroke product, insured by Loyal American Life Insurance Company.
Beginning March 2 nd , Cigna will be offering a product that's easier to sell and meets more of your customers' needs. In addition to offering great rates, commissions, and rider solutions, they're adding four new rider benefits and improving their underwriting.
Interested in learning more?

Learn about the new features of Flexible Choice 2.0 with the training webinars below.

Gerber
In addition to first year commissions, you can earn renewal commissions in years 2 through 5 as well.

To learn more, contact Mark Evan at 800.928.4998 ext. 6.
Gerber Life Simplified Senior Life Insurance

Affordable whole life insurance for clients who are seniors and would like coverage that can help cover the cost of their funeral and final expenses and other outstanding debt when the time comes  (while Simplified Senior Life is not a final expense product, it can help ensure no one inherits your clients' debt).
Medico
Sell Medico Dental insurance with your own personalized agent site.

This is your very own personalized website you can send to potential customers for them to enroll in a Medico dental plan with ease. After completing a few simple steps, Medico enrolls them in the plan of their choice. Best of all - you get full compensation for the sale!

Login to the agent portal , and claim your agent site today.
Promoting your agent site.

Email templates have been created for you to use to ensure you’re compliant. Customers can also access your personalized site if you add your personalized link to your existing website.

Email marketing@gomedico.com or call Agent Services at 800.547.2401, option 3 to get started 
Mutual of Omaha
The changes below become effective for applications signed on or after February 23 rd .

  • Policies will be effective on the date of issue – date of application will no longer be an option
  • Initial premium will no longer be accepted with the application – if a check is received, it will be returned to the client with a letter indicating premium cannot be accepted until policy issue. The agent/producer will receive a copy of the letter as well.
  • EFT will now take place after the date of policy issue

They will be updating applications to reflect the above changes. New applications will be available mid-February. 

The older version of applications, both paper and e-App, must be signed and received in the home office by  February 29 th .
NEW Process to Handle LTC Policies
Mutual of Omaha is making changes to how they process applications and issue LTC policies. These improvements will help to alleviate some processing challenges they've had in the past and will make the process easier for your clients. 
Mutual of Omaha is happy to announce that you now have a dedicated New Business Case Management team to handle your LTC business.
National Guardian Life
Submit your business FASTER!

The benefits of using e-Apps far outweigh using paper apps. Submitting e-Apps allows you to work with clients nationwide, they allow you to integrate illustration information into the application, they save you time and reduce "not in good order" applications. The process is much faster and more efficient.
It's easier than ever for you to submit EssentialLTC applications. You can now submit mailed paper applications, e-Apps and upload signed paper applications without including a premium deposit. This new feature is available now. 
Don't have time to read all this now? Visit our News page to read it later when you have time.
We're here to help you grow. Reach out to us if you have questions, suggestions or need assistance. Your success is our success .
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