To help ensure a smooth life insurance purchase experience, it’s important to set proper expectations with your clients throughout the application and underwriting process. The MoneyGuard® Presubmission Underwriting tool is designed to help with client medical exploration prior to submitting an application.

Effective Oct. 20, 2025, all long-term care (LTC13 and LTC09M-CA) new business applications are now processed and administered directly by Mutual of Omaha. This change is to create a more optimized experience for its distribution partners.

Mutual of Omaha has announced in-force rate adjustments for certain LTCI policies in Iowa, Michigan, North Dakota, Tennessee, and Texas. The changes will go into effect on Jan. 1, 2026.

Nationwide is announcing the upcoming launch of CareMatters® Annuity, its new streamlined long-term care solution. The product offers cash indemnity LTC benefits for triple or double the contract value, simplified underwriting, and a guaranteed interest crediting rate. Applications will be paper only until January 2026 when electronic application platforms, iGO® and Porch, become available. Make sure to review the training requirements before signing or submitting an application.

Effective Oct. 1, 2025, CareScout Care Assurance is available for sale in approved states. CareScout is excited to bring its first long-term care insurance solution to market, with much more to come.

OneAmerica has announced flex underwriting is launching Oct. 6, 2025. Get ready for a faster, smarter, cleaner way to process cases with smart automation, straight-through processing, reflexive questions, and real-time case dashboards! Check out the side-by-side comparison and infographic brochure for more information.

Mutual of Omaha has announced in-force rate adjustments for certain LTCI policies in Delaware, South Carolina, South Dakota, and Wisconsin. The changes will go into effect on Dec. 1, 2025.

Mutual of Omaha has announced in-force rate adjustments for certain LTCI policies in Georgia, Maine, Ohio, and Pennsylvania. The changes will go into effect on Nov. 1, 2025, for Georgia, Ohio, and Pennsylvania, and on Dec. 1, 2025, for Maine.

Effective Aug. 11, 2025, Lincoln MoneyGuard Fixed Advantage (2025) will be made available in Indiana and Montana. This product is universal life insurance, which provides a death benefit and long-term care (LTC) coverage through a rider. Following a transition period, MoneyGuard Fixed Advantage (2025) will replace the currently sold MoneyGuard Fixed Advantage®– 01/22/24 in these states.

Lincoln Financial has recently updated its New Business forms for its life insurance products, including MoneyGuard®. Please reach out to your dedicated Underwriting & New Business Team if you have any questions.