September 10, 2019 | Long-Term Care Newsletter
LTCi Bonus Program
Effective September 3, 2019 , LifeSecure is implementing an incentive program for Long Term Care insurance applications submitted online and issued between 9/3/2019 - 1/31/20 . Click the link below to find out more about the bonus program.

CLICK HERE for more info on the bonus program
  • 10th Policy Earn $50
  • 15th PolicyEarn $100
  • 20th PolicyEarn $150
  • 25th PolicyEarn $200
  • Total of 25 Policies Earn $500
E-App Enhancements
Effective August 29, 2019 , NGL will be making enhancements to the EssentialLTC E-App . Among these modifications include the ability to access PDF copies of submitted E-Apps in the Agent Resource Center. As well as adding additional clarity on where to enter the Primary Care Physician's name and phone number. Click the link below to view the complete list of enhancements.

CLICK HERE for more info on EssentialLTC's E-App
LTC Post-Issue Requirements
Amendment Scenarios


Amendments must be returned to Mutual of Omaha within sixty days of the client's policy issuance date. Any changes made within that time will also require a returned amendment.

CLICK HERE for more info on Amendments
Outstanding Premium


Outstanding premium is due sixty days from the client's date of issuance. If a benefit change is made post-issue, the original premium is still due by day sixty from issue. When mailing in checks, it is important to ensure that all fields are complete and correct.

CLICK HERE for more info on Outstanding Premium
E-App Quick Start Guide and FAQs
The Long-term care E-App Quick Start Guide and FAQs have been recently updated with more beneficial and essential information. Click the link below to download the E-App materials.

CLICK HERE to download the materials
Premium Rate Action
Effective January 1, 2020 , John Hancock will implement rate action on in-force business in New Hampshire , West Virginia , and Wisconsin . A policyholder notification package will be issued on August, 26, 2019 with a listing of all impacted policyholders. Click the link below for more information.

Effective January 1, 2020 , Fortis will implement rate action on in-force business in New Mexico , South Dakota , and Wyoming . A policyholder notification package will be issued on August, 26, 2019 with a listing of all impacted policyholders. Click the link below for more information.

CLICK HERE for more information on both John Hancock and Fortis implemented rate action
Premium Rate Action

Effective September 3, 2019 , Genworth implemented rate action on in-force business in Washington. Click the link below for more information.

CLICK HERE for more info on rate action in Washington for the Pre-PCS , PCS I , and PCS II series




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800-269-2622 | info@armltc.com | www.armltc.com