Blasts & News

There are many changes taking place in the Long Term Care and Disability Insurance industries these days. The information comes from many different sources, and it can be quite confusing at times to put all the pieces together and make sense of it all. At NJLTC we send out several email newsletters , "Blasts" as we call them, a month. We keep our clients, brokers, and producers informed of all the relevant news, topics, and product updates that take place in our industry. Feel free to browse our archive of Blasts and News articles.

«

Start of Summer May 31, 2019

Back to work after a beautiful Memorial Day holiday weekend. A wonderful tribute to all who have volunteered to defend this great country. Thanks to all who have been in the armed services, we are all filled with generous gratitude.

A note that NJLTC will go to summer hours between Memorial Day and Labor Day. This means we will be closing at 3pm on Fridays through the first weekend of September.

This blast concentrates on the latest information, developments, and changes in the LTC industry. As usual, please also find a number of articles for use in your sales efforts.

Coming in July: Updated Asset Care - All current quoted cases must be signed by June 28, 2019 and in the office by July 12, 2019. Read more here.

UNUM announces GLTC rate increase to their entire "group" LTC block

Nationwide introduces "CareMatters II"
CareMatters II is a flexible, competitively-priced linked-benefit universal life policy that offers clients:

  • Flexibility through cash indemnity LTC benefits that help clients obtain care where and from whom they prefer
  • Choice of a variety of payment options, including pay to Attained Age 100, make the policy accessible to more clients than ever before
  • Protection from inflation via one of several options, including a 3% compound option and a new US Medical Care inflation option based on changes in the cost of health care
Nationwide CareMatters II is designed to help bring the protection of a linked-benefit policy to a wider range of clients across a variety of ages and financial situations

New Lincoln Money Guard marketing pieces READ MORE

Memorial Day May 23, 2019

Just a quick note for everyone.
Our office will be closing at noon on Friday, May 24 for the Memorial Day weekend. We will be returning to work on Tuesday, May 28 for normal operating hours. Take this weekend and enjoy the time with your friends and family. We wish everyone safe travels, and good times. READ MORE

Lloyds and Multi-Life from TransAmerica May 13, 2019

Hoping Spring has finally made an arrival. A few things to keep in mind as we find new ways to meet your clients’ disability and Long Term Care needs.

Lloyd’s
When the standard marketplace is not an option for your client, we have a variety of options with the various Lloyd’s Syndicates. Below is a complete list of all of the excess risk that Lloyd’s is able to help out with. Please keep this in mind the next time you have a client who may not be insurable in the Standard Marketplace.

  • High Limits Excess top up excess coverage, Coverage for clients issue ages to 69 and a 5 year benefit with lump sum for cases to pay to solve to age 65.
  • Lump Sum coverage.
  • BOE and Buy Sell Coverage
  • Sports
  • Entertainment
  • Accidental Death and Disability
  • Loss of License
  • Kidnap & Ransom
  • Key Person
  • CPI/ Failure To Survive

TransAmerica Multi-Life LTC
TransAmerica offers some of the best Multi-Life options in the Long Term Care Market. Please read through their latest Multi-Life Agent guide to learn all about their Simplified Issue options, requirements, and underwriting process, as well what makes a good LTC ML prospect.
We look forward to assisting you in many ML LTC cases! READ MORE
»