Mutual of Omaha’s LTCI and LTCII – Most long term care policies are all basically the same. They all offer benefit periods, elimination periods, payment options, inflation options, etc. Yet, Mutual of Omaha’s product offers clients flexibility in policy design and numerous benefits designed with the client and their families in mind. Theirs is one of our hottest selling policy. Check out their:
State Life Transitions from Lifestyle 2000 Plus to CareGuard – State Life offers one of the most competitive, most comprehensive long-term care insurance products on the market. Their new product, CareGuard has been approved and rolled out in 34 states back on July 18, 2005. Another 6 states were approved for release on August 22, 2005 and another 5 states are slated for September 19, 2005. North Carolina should roll out the new product in September’s release. State Life has always offered some of the most competitive prices in the “Under age 65” market. CareGuard will continue to focus in this market but will add several new features:
Physicians Brokerage’s VISTA Care Choices #1 Rated Long-Term Care Reimbursement Policy. Vista Care Choices puts a different spin on long-term care benefits or claims. Their Home Cash Benefit Rider pays cash equal to 20% of the Home & Community Care Benefit. How about a Shared Care Rider, in effect creating a third pool of money. The Elimination Period is satisfied by “Calendar Days” not “Days of Service”. In addition, their strongest feature continues to be that their Benefit Amount is ONLY paid on a monthly basis. They have over 38 years of experience in long-term care insurance and have become a name your clients can trust.
MetLife (LTC) Joins our Team! We are pleased to announce that we have added MetLife to our product list. MetLife has proven itself a leader in policies sold to groups through employers and has become a strong growing force in individual policies.
MetLife offers daily reimbursement, monthly reimbursement or cash payment plans. In addition to one of the most competitive individual products on the market, they are most known for their Group (Employer-Employee) products. Policies can be issued on an Employer Paid or Voluntary Paid program using either full or simplified issue underwriting. Watch for more details about their NEW VIP2 product series, already being released in many states.