Effective April 14, 2025, and pending state approval, Lincoln Financial Group will launch Lincoln MoneyGuard Fixed Advantage® (2025), universal life insurance which provides a death benefit and long-term care coverage through a rider. The launch of MoneyGuard Fixed Advantage (2025) introduces the flexibility for a point of Claim Choice option for receiving LTC benefits through Reimbursement or Indemnity and incorporates a split premium design to separate Life and LTC premiums to allow for potential tax deductibility.

John Hancock’s LifeCare, a hybrid indexed UL with long-term care benefits, is now approved in Florida, North Dakota, and South Dakota. With features that allow clients to protect their loved ones, invest in their wellbeing, address long-term care needs, and provide a potential hedge against inflation, LifeCare is designed to offer more when it’s needed the most.

NGL has partnered with eNoah, a medical record retrieval service that electronically obtains attending physician statement (APS) records. This partnership will shorten turnaround times and help ensure business is issued and commissions are paid as quickly as possible.

Thrivent has announced a refreshed brand and new marketing tagline, “Where Money Means More™,” that reinforces its deep expertise as a Fortune 500 company that puts generosity at the heart of saving and investing. Brought to life through a $50 million national marketing campaign, the new look emphasizes Thrivent’s differentiated story at the intersection of financial planning and generosity, creating deeper connections with both current and prospective clients.

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

New York: Nationwide’s Long-Term Care Rider II will be available beginning March 10, 2025, on the Nationwide No-Lapse Guarantee UL II, Nationwide YourLife® Indexed UL Accumulator, and Nationwide YourLife® Indexed UL Protector. In New York, the rider is referred to as the “Acceleration of Life Insurance Death Benefit for Qualified Long-Term Care Services Rider II.”

California: Nationwide’s Long-Term Care Rider on survivorship will be available beginning March 10, 2025, on the Nationwide® Survivorship Indexed Universal Life 2020.

On Feb. 22, 2025, Thrivent made changes to its eApp process. These efforts are designed to mitigate inaccurate signature activity and to ensure the new account client(s), as the intended recipients, are the individuals providing the eSignature.

Mutual of Omaha has announced updates related to requesting a rate increase on the LTC13 “pre-rate refresh” policies, a subset of in-force LTC13 policies issued prior to the rate refresh performed on this product that began to take effect in 2020. This rate increase is being requested to ensure the premiums policyholders are paying reflect the current and projected claims experience, continues to meet the needs of policyholders, and ensure the product remains financially sustainable.

NGL’s underwriting requirement for long-term care exams for couples ages 60-65 has changed. On joint applications when the partner is age 60-65, a long-term care exam will be ordered to ensure consistency in underwriting requirements between partners. The revision will take effect for applications submitted on or after Feb. 15, 2025, and an updated underwriting guide will be available on the Agent Resource Center starting Feb. 14.

GTL has announced the new minimum issue age for short-term home health care states is now 55. Updated rate sheets and underwriting guides are now available on GTLink. Log in to download or order new supplies!