NGL has updated its Underwriting Guides with new information around aortic dilation (p. 11, CA p. 9), weight loss (p. 38, CA p. 32), joint replacement (p. 25, CA p. 21), lymphoma (p. 27, CA p. 23) and cancer (p. 14, CA p. 12). The California version of the guide received further updates to the atrial fibrillation (CA p. 10) and physical therapy entries (CA p. 26). Download the guides: Premier Underwriting Guide | California Underwriting Guide

Mutual of Omaha has announced in-force rate adjustments for certain LTCI policies in Alaska, Hawaii, Massachusetts, Nebraska, New Jersey, Pennsylvania, South Carolina, Virginia, and Wyoming. The changes will go into effect on Aug. 1, 2025.

As of May 1, the Authorization to Release Underwriting Information to Insurance Agent/Agency form (31368) is available for standalone long-term care applications administered by Illumifin. Now, if a traditional standalone LTC application is declined or rated and the client has signed the form 31368, the underwriter can provide you with additional details about the reason for that decision.

A Massachusetts Medicare document that must be left with applicants prior to completing the application has been revised. The “2025 Massachusetts Consumer Guide to Medicare” replaces the document “A Massachusetts Consumer Guide to Medicare (11/23).” The updated document will be available on both ClientConnect and the Agent Resource Center under the Massachusetts application documents on May 9.

Every year, Mutual of Omaha conducts a cost-of-care study in all 50 states, and the results are in. The cost of services continues to rise, and the updated figures show the average cost for a home health aide is close to $75,000 per year.

NGL has filed an innovative new LTC product packed with enhanced features and benefits designed to better serve your clients. Pending regulatory approval, this will elevate the way NGL protects your clients’ futures. Exchange eligibility starts with applications dated May 1, 2025, or later in certain states.

New additions include monthly benefits of $1,500 to $12,000 ($300 increments); calendar day elimination period; compound inflation riders of 1, 2 , 3, 4, and 5%; alternate plan of care; premium based on current age rather than age-nearest-birthdate; 5% partner discount for applicants that are part of a couple, but applying individually; and 10-year rate guarantee for lifetime pay.

Mutual of Omaha has announced in-force rate adjustments for certain LTCI policies in the District of Columbia, Mississippi, and North Dakota. The changes will go into effect on July 1, 2025.

Mutual of Omaha has announced in-force rate adjustments for certain LTCI policies in New York. The changes will go into effect on Aug. 1, 2025.

The Spring Sprint Unlimited Cash Bonus puts extra cash in your pocket with every LifeSecure Accident, Critical Illness and Hospital Indemnity policy you sell between April 1, 2025, and June 30, 2025 – with no cap on your bonus.

Effective April 7, 2025, new rates for SecureCare™ Universal Life (UL) are now available in California. A major upgrade to SecureCare UL’s underwriting process has also been implemented: clients can now complete the underwriting questionnaire (part 2 of the application) online. This can reduce underwriting times by an average of one week!