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Long-Term Care Awareness Month 2022
What is Long-Term Care Awareness Month?
November is Long-Term Care Awareness Month (LTCIAM), dedicated to making sure your clients and prospective customers are informed about the need for LTC. We’re giving you the tools you need to talk to your clients about long-term care insurance.
Most people think they won’t need long-term care, but the fact is that 70% of Americans over age 65 will need it at some point in their lives. That’s why it’s important to plan ahead and have a policy in place.
We know it can be difficult to think about, but planning for long-term care is one of the most important things you can do for your clients. Our tools make it easy – so there’s no excuse not to get started today. Use our free long-term care planning tools today and work with us this month to help your clients get the coverage they need.
Grab & Go Resources
Carrier Specific Resources
Mutual of Omaha
Ready for Easier Access to Online Guides and Marketing Materials?
- NOW DIGITAL! Product Guide & Underwriting Guide – Find product specific details and all the underwriting parameters you need to know.
- The Need for LTCi Video Flyer – Share with any clients considering LTCi.
- Cost-of-Care Calculator, Sales Tools & Ideas – Brochures, calculators, collateral and more are linked in this piece.
- Social Media Posts – Join our Brokerage Facebook & LinkedIn pages to access our social media posts – content for you to share to producers and consumers!
- Webinar – Register to attend our Claims Webinar, where we will share detailed claims statistics and how to use them in sales ideas during Long-Term Care Awareness Month and beyond.
Nationwide
Start talking about LTC during Long-Term Care Awareness Month.
- Understand and plan for long-term care
- Speak to their loved one about their potential LTC needs
- Identify resources that can help those who provide care look after their loved ones
OneAmerica
Critical Illness Awareness Month 2022
What is Critical Illness Insurance?
Critical illness insurance is a form of insurance that pays out a lump sum benefit if you are diagnosed with a covered critical illness. It is similar to regular life insurance, but has some key differences.
How Does Critical Illness Insurance Work?
The main difference between critical illness and regular life insurance is that the policyholder must be diagnosed with one of the listed illnesses before they can receive any benefits from their policy. The amount that you get paid out varies depending on the type of policy you purchase, as well as what kind of coverage you choose for each illness listed in your policy.
For example, if you purchased a policy and were diagnosed with heart failure, you would receive $50,000 or more depending on how much coverage you chose for that specific illness.
Critical Illness Insurance is More Than Just Cancer Coverage
Covered illnesses include cancer, stroke, heart attack and organ failure. Some policies cover multiple illnesses and some are specific to certain illnesses. In this article we’ll take a look at what these benefits entail.
Critical illness insurance is a valuable way to protect your family’s future from the devastating financial impact that an unexpected, critical illness can have—far more than regular life insurance. There are many different types of critical illness policies, each with their own benefits and limitations. You should talk to a financial advisor to find the best policy for you.
How can I get Critical Illness Insurance?
If you’re interested in getting critical illness insurance, we can help! Here’s what you need to know:
First, get a quote from an approved insurance agent. That way, you’ll know the exact cost of the policy and be able to compare it with other quotes. You’ll also have an idea of what kind of coverage is available and what costs will be covered by your policy.
Next, check the policy details to make sure it is suitable for you. Does it cover all of your needs? Is there anything that might cause problems later on down the line? This is a good time to ask any questions about exclusions or limitations so that there aren’t any surprises later on down the road.
Then, ask about any exclusions or limitations. For example, if you’re concerned about cancer but aren’t sure whether your policy covers that specific diagnosis, ask about exclusions before signing up for coverage! It’s always better to know these things ahead of time so that there are no surprises once everything goes through—and so that you can make an informed decision about whether or not this policy is right for you!
Finally, make sure the policy covers the critical illness!
It’s important to note that most critical illness insurance policies pay a lump sum benefit upon diagnosis of a covered critical illness. We offer critical illness insurance with a lump sum benefit upon diagnosis of one of our covered critical illnesses. The lump sum benefit can be used to pay for medical bills, a mortgage, a car or an upcoming vacation.
Holiday Dash for Cash Promotion
“Holiday Dash for Cash”
It’s the perfect time to get your applications in. From October 1st – December 30th, you have a chance to earn a $250 e-gift card. Submit as many applications as you can as each application brings you closer.
How does it work?
- Place five (5) applications totaling at least $5,000 in paid target premium by December 30th.
- Receive your $250 e-gift card within 10 business days of placement of the qualifying applications.
- Choose from a selection of brands like Amazon, CVS, Hulu, Lowe’s, Bed Bath & Beyond, Starbucks, Uber, Whole Foods, Walmart, Target, and many more.
Please note: Winners can only win once and may be announced using their initials (i.e. John Smith announced as J.S.) on our Agent Portal unless otherwise requested. Annuities will not be counted towards this promotion. For split applications, only the primary agent will receive credit. OUH employees and the OUH International Department are not eligible. For more information, please ask your brokerage manager.
Critical Illness Made Fast and Easy
October is Critical Illness Insurance Awareness Month! Please join us as David Everly, Senior Sales Manager, and Lorraine Jessich, Regional Wholesaler from Assurity Life talk about critical illness insurance, the ease of obtaining it, and “no lose” benefit payout.
Life Insurance Made Easy Webinar
Hey there! We’ve got a webinar coming up, and we’d love to have you join us. September is Life Insurance Awareness Month and we’re here to help you see why life insurance should be an easy decision! Join this webinar hosted by Kevin Okumura, CFP®. We look forward to seeing you all there!
Hybrid LTC Landscape
See how the hybrid LTC market has changed as carriers continually update their products to be competitive for your clients. Join our LTC specialist as Michael Sato, CLTC®, LUTCF®, FSS shares his knowledge of the LTC landscape and what these changes mean for you.
Protect and Grow Your Money with Insurance
Presented on July 7, 2022 at 9:30 AM HST
Presented by Brant Yamamoto, ACS, FSS & Michael Sato, CLTC®, LUTCF®, FSS
In today’s turbulent times with rampant inflation, and the market seeing a correction from historic highs, come and join us as we look at some quick sales tips on using the safety of life insurance to not only protect your money but also grow it.
Hybrid LTC Landscape 2022
With traditional long-term care insurance carriers continue to exit the market, see how the hybrid LTC market has changed the landscape and how you can help your clients and their family from suffering the catastrophic consequences of a potential lengthy care situation. The hybrid long-term care landscape is poised to change what it means to have a long-term care plan.
Protect & Grow Your Money with Insurance
In today’s turbulent times, inflation rampant, and the market seeing a correction from historic highs, come and join us as we look at some quick sales tips on using the safety of life insurance to not only protect your money but also grow it.