The Brokerage Resource ~ News & Updates November 2016

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As of December 3rd, 2016, John Hancock will no longer be accepting individual Long-term Care applications in ALL states. They have made the increasingly difficult decision to exit the Long-term Care market and will accept all final 'in good order' applications on December 2nd, 2016. Any existing customers that have Long-term Care policies with John Hancock will NOT be impacted.

The last day to complete any paramedical exams will be December 16th, 2016 and ALL policies must be issued and paid for by February 10th, 2017. To read John Hancock's statement, click here.

John Hancock completed a comprehensive claims study and has deemed it necessary to increase inforce premiums on certain policies. State filings will begin this month. Read the full article here.

If you have any questions about these impending changes, or are looking to find new carriers that offer Long-term Care products, we have numerous options available for you. Please contact our Life & Long-term Care Sales Manager, Audrey Sunner, who can advise you with the best options for your clients. 919.794.3084 or 800.928.4998 ext. 9.

Medicare Part A Hospital Inpatient Deductible & Coinsurance	2016	2017
Part A Deductible	$1288.00	$1316.00
61-90 days	$322.00	$329.00
91+ days (lifetime reserve days)	$644.00	$658.00
Skilled Nursing Facility 21-100days	$161.00	$164.50
Medicare Part B
Part B deductible	$166.00	$183.00
HDF deductible	$2180.00	$2200.00
OOP Limit Plan K	$4960.00	$5120.00
OOP Limit Plan L	$2480.00	$2560.00

Mutual of Omaha is working with Apptical (a third party underwriting company) and now has a mobile app available. It's currently available for Living Promise applications, and will make the interview process shorter for your clients. Using the app allows you to take a picture of your client's photo ID which uploads their information to Apptical's servers. An interviewer from Apptical will then call you to conduct a short medical interview with your client, and will then verify the results of the life insurance application with you.

You can download the mobile app in the App Store today .

*Currently only available for iOS devices.

You can use our Medicare Supplement vs. Medicare Advantage checklist to make sure you know the differences between the two. If you're not currently contracted with us, we can get you set up and you can begin writing your clients into Medicare Supplement plans to save them money and give them peace of mind with the flexibility of choosing their own doctors and knowing that their plan will never change.

Priority Income Protection by Mutual of Ohama is now included in the Mobile Quote App available in the App Store and on Google Play. Run quotes for these additional products as well: Children's Whole Life, Living Promise, Guaranteed ADvantage, Term Life Express, Term Life Answers and Medicare Supplement.

Are you offering Medicare Supplements to your clients? Now is the time that we're in the thrust of AEP. If you're not currently doing so and want to get the process started, we have everything you need to know to be successful at selling Medicare Supplement products to your clients. Our Medicare Supplement Kit is available online and we will have it available in hard copy soon.

Cigna's new shorter Phone Verification (PV) is now available. A shorter list of medical questions gets you and your client through the application process faster, which in turn gets you paid faster. This phone verification process acts as a wet signature for your client. It's currently available for Medicare Supplement, Cancer, Heart Attack & Stroke, Critical Illness and Individual Whole Life products.

It's important to assist your clients through the Part D/Medicare.gov process. The website can be daunting, and as such we've created a tutorial to help you walk your clients through the process of choosing a pharmacy, based on costs and the prescriptions they need. Download our ten page guide.

Benefit	Part A Deductible	Coinsurance	Extended Hospital	Blood	Skilled Nursing Facility Care	Hospice Care	Part B Deductible	Coinsurance	Excess Benefits	Blood	Care Outside U.S.
Plan F	ü	ü	ü	ü	ü	ü	ü	ü	ü	ü	ü
Plan G	ü	ü	ü	ü	ü	ü		ü	ü	ü	ü

Kramer Direct brings you new options for expanding your existing client base. Among the services they offer are complete mailer programs, drip marketing campaigns, and leads delivered electronically to you with a CRM to track and respond to prospective clients. Learn more .

Earn extra cash (up to $2,000) with the Cash for Apps Medicare Supplement incentive running from October 1st - November 30th. For complete details, click HERE!

10 apps = $500
15 apps = $1,000
20 apps = $1,500
25 apps = $2,000

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For Agent Use Only. Not to be distributed to the general public.

John Hancock discontinues all Individual Long-term Care Sales.

CMS announces new rates for Parts A & B premiums and deductibles.

Mutual of Omaha joins forces with Apptical.

In need of a check list for Medicare Supplement and Medicare Advantage during AEP?

Quotes for Sales Professionals adds Priority Income Protection.

Are you new to Medicare Supplement?

Cigna is ensuring you get paid faster.

AEP is in full swing and we have a Part D/Medicare.gov tutorial to assist you.

Cigna wants to take you and a guest to the Emerald Isle.

Mutual of Omaha's Plan G is highly competitive.

It's the final quarter of the year and it's time to finish up strong.

Aetna now offers an escalation tool.

Are you in need of leads to grow your client base?

Cigna's Cash for Apps has been extended through November.