Long Term Care (LTC)Tools

Transamerica LTC eApp

This completely paperless system will speed you through the application process. No more worrying about having the right application or carrying them with you. Click here to get answers to Frequently Asked Questions. Here's how to get started:

Recent LTC News

Date Article

May 25, 2015

  • Are Female Advisors Better at Selling LTC?
    One of the most interesting things to emerge from a recent survey of the industry is the disparate experience between male and female advisors when it comes selling LTC products.
  • Longevity and the heartbreaking reality of what it means to live past 90
    Do we really want to live past 90 years old, or just live comfortably for as long as we can?
  • Creating Effective LTCI Proposals
    Simplifying illustrations can help the client wade through the details, but LTCI-advisors also need to meet the relevant compliance requirements.
  • Genworth Long Term Care Partnership mailings for DE
    View the bulletin.
  • Genworth In-Force Rate Action for AK
    View the bulletin.
  • John Hancock In-force rate action notifications for June
    In late June, the next round of policyholder notifications will begin on John Hancock and Fortis policies impacted by the 2010 and 2013 Inforce rate actions, which will have an effective date beginning with anniversaries on or after September 1, 2015. Click here for complete details, including information about specific rate increase implementation handling in Missouri.
    • The 2013 rate action notifications will include John Hancock LTCI individual policies originally issued in Alabama, Idaho, Iowa, Mississippi, Missouri, North Carolina, Texas and Utah. Also, implementation will continue in Connecticut and begin notifications for additional products in that state. Fortis LTCI individual policies originally issued in Connecticut and Missouri are also impacted.
    • The 2010 rate action will include John Hancock LTCI individual policies originally issued in Arizona and Iowa.
  • John Hancock's Performance LTC Seller’s Guide
    The new Performance LTC Seller’s Guide is now available. The guide highlights the many advantages that Performance LTC has to offer your clients. It is available to download by visiting jhltc.com and will be available in print in the coming weeks.
  • John Hancock's Performance LTC trade advertising campaign
    John Hancock is promoting Performance LTC over the coming months with both print and digital advertising. Print ads will be running in such popular trade publications as Broker World, Financial Advisor, and National Underwriter this month, as well as in July, August, October, and November. Our digital ads will appear in Insurance Newsnet and Life Health Pro later this year. Click here for a sample of the print advertisement.
  • John Hancock's LTC post issue eDocuments
    John Hancock Long-Term Care is excited to announce the expansion of eDocuments — their popular eDelivery service — to include electronic access to key post issue policy documents! With this expansion, they have also discontinued producer mailings of the post issue documents that are now available through the eDocuments service. Refer to this Frequently Asked Questions flyer to learn more.
  • LTCi Delivery Receipt - reminder
    This is a reminder that in order to comply with the majority of states’ regulations, the delivery of a Long-Term Care policy must take place within 30 days of issue. The Policy Delivery Receipt must be signed and dated by the insured immediately. Leave one signed copy of the receipt with the insured, and return the other signed copy to Mutual of Omaha.  It is important that delivery receipts for all Long-Term Care policies are returned to Mutual of Omaha.

May 18, 2015

  • Rate increase implementation on in-force LTCi businesseffective August 1st
    On August 1, 2015, there will be a rate increase on in-force business in AL, ID, NH, OH & PA.
  • LTC NewsMay 14th edition
    In this issue:
    • How successful agents handle Multi-life cases
    • Protect your middle-income clients with Transamerica Secure
    • New Multi-Life enrollment materials available
    • NEW! Production detail reporting

May 11, 2015

  • Gifting Long-Term Care Insurance
    Gifts of LTCI premiums can accomplish multiple financial goals simultaneously.
  • 2015 Cost of Care Survey
    The Genworth 2015 Cost of Care Survey is now available and can help your clients build personalized plans, using the latest long term care (LTC) cost data. It’s the industry’s most comprehensive look at more than 15,000 long term care providers across 440 cities and regions. The Cost of Care’s new suite of materials can help you confidently explain potential LTC costs to your clients — from homemaker services, to adult daycare, to private nursing home rooms. Clients will see what care could cost them in their hometown, their planned retirement spot or even where their kids live. And that could be just the motivation they need to put an LTC plan in place today. The Cost of Care Survey is also available on iPhone and iPad devices through iTunes.
    In addition, the Cost of Care home page offers:
    • New Web Experience: Easier to use than before, with more information right at your fingertips.
    • Full Report: Includes a national view and detailed data tables for each state and each provider type.
    • Summary Brochure: What you need to know about the 2015 survey in a quick, easy-to-carry format.
    • Postcard: A helpful tool to make your clients aware of this year’s survey.
  • Genworth In-force Rate Action announcement for ID
    View it now.
  • John Hancock NEW Performance LTC Seller’s Guide - now available
    The Performance LTC Seller’s Guide  highlights the many advantages that Performance LTC has to offer your clients.
  • Custom Care III featuring Benefit Builder has been replaced in compact states
    The current John Hancock Custom Care III featuring Benefit Builder product has been replaced by Performance LTC in the compact states as of April 27, 2015. (Click here for a complete list.) All Custom Care III featuring Benefit Builder applications for current rates must have been signed by April 27, 2015 and received in the Home Office by May 4, 2015.
  • John Hancock New York Partnership applications no longer accepted
    All individual long-term care insurance applications for New York Partnership must have been signed by April 27, 2015 and received in the Home Office by May 4, 2015. Any New York Partnership applications received after May 4, 2015 will not be processed. Click here for more details.
  • DRA Partnership certifications for Performance LTC
    John Hancock’s Performance LTC is designed and certified to meet the requirements for DRA Partnership-qualified policies in states that implement National Partnership programs. The policies are tax-qualified and meet or exceed all currently applicable National Association of Insurance Commissions (NAIC) consumer protection standards.  All compact states, with the exception of Virginia, and where John Hancock has an active DRA Partnership have been approved and are certified for the Performance LTC product. For complete information on DRA Partnership and other training and legislative information, please review the updated DRA Partnership Guide.
  • Performance LTC  - A Closer Look
    John Hancock has developed Performance LTC: A Closer Look - a flier series that will provide the details you need to know about the new Performance LTC product features. Here is the first flier - The Lapse Prevention Safeguard Benefit.
  • Revised CA Custom Care III featuring Benefit Builder product brochureCORRECTION
    John Hancock has confirmed that the Valued Client discount is available in California. The California CC III featuring Benefit Builder product brochure will be updated accordingly and they will advise you when it becomes available. They regret any inconvenience this may have caused you.
  • Watch the John Hancock Life in Motion Video— Adapting to Change
    Changing consumer needs and market conditions often drive innovation, as is the case with the new Performance LTC product. Its breakthrough design offers clients competitive pricing and more control over their premiums and benefits. Watch the video.
  • 2015 Medicare Guide now available
    Here is the 2015 version of "Choosing a MediGap Policy: A Guide to Health Insurance for People with Medicare". This publication is published jointly by the Centers for Medicare and Medicaid Services and the National Association of Insurance Commissioners and is required for long-term care insurance sales to applicants ages 65 and over. The guide provides a brief look at the Medicare Program and MediGap policies.
  • Massachusetts product training requirement now in effect
    As of April 27, 2015, all producers selling long-term care insurance or life insurance with a long-term care rider in Massachusetts must certify that they have been trained and understand the product they are selling. Therefore, John Hancock will require that producers sign and submit the new MA Certification Form, certifying that they have read and understand the product guide that corresponds to the product they are selling. For producers selling long-term care, complete and sign Part I. For producers selling life with the long- term care rider, complete and sign Part II. For producers selling both, complete and sign both sections.
  • Mutual of Omaha Long-Term Care prospecting material
    You can use this new prospecting piece to help your clients understand that long-term care insurance is something they should consider buying. This self-mailer highlights three methods of paying for long-term care services: government; self-funding; and LTCi. The mailer explains why an LTCi policy may be a smart way to help retirement assets go farther.

May 4, 2015

  • Here’s Why Long Term Care Will Be One of the Biggest Social Issues of the 21st Century
    The expenses associated with long term care can wreak havoc on even the best laid retirement plans. That's where you come in.
  • Genworth in-force rate action announcement for OH
    View the bulletin.
  • LTCi- Stacking Up to the Competition
    When it comes to selecting an LTCi carrier, you have lots of choices. Contemporary, innovative products, competitive pricing and a company that’s financially strong are three good reasons your clients will appreciate Mutual of Omaha’s LTCi. View the competitive comparison flyer.
  • Transamerica's LTC NewsApril 30th edition
    In this issue:
    • Multi-Life tools training to boost your success
    • New Multi-Life sales materials to help you succeed
    • Agent training gets high marks

April 27, 2015

  • Automatic e-mail notifications about commission payments
    Genworth will now automatically notify producers by e-mail when they release a commission payment for a LTC policy. View the bulletin.
  • Custom Care III featuring Benefit Builder in Compact States no longer available
    John Hancock's Custom Care III featuring Benefit Builder has been replaced by Performance LTC in the compact states (click here for a complete list). All Custom Care III featuring Benefit Builder applications for current rates must have been signed by April 27, 2015 and received in the Home Office by May 4, 2015. For LTC Captivate business, all Custom Care III featuring Benefit Builder applications in compact states must have be signed and submitted to John Hancock by April 27, 2015.
  • LTC Partnership no longer available in NY
    All John Hancock Individual Long Term Care applications for New York Partnership policies must have been signed by April 27, 2015 and received in the Home Office by May 4, 2015. Any New York Partnership applications received after May 4, 2015 will not be processed. Get more details.
  • DRA Partnership certifications for Performance LTC
    John Hancock’s Performance LTC is designed and certified to meet the requirements for DRA Partnership-qualified policies in states that implement National Partnership programs. The policies are tax-qualified and meet or exceed all currently applicable National Association of Insurance Commissions (NAIC) consumer protection standards. The following states, where John Hancock has an active DRA Partnership, have been approved and are certified for the Performance LTC product: Alabama, Arkansas, Colorado, Georgia, Iowa, Louisiana, Maine, Minnesota, Missouri, Nebraska, Ohio, Oregon, Rhode Island, South Carolina, Tennessee, Texas, West Virginia, Wisconsin, and Wyoming.
  • Life in Motion video — Adapting to Change
    Changing consumer needs and market conditions often drive innovation, as is the case with the new John Hancock Performance LTC product. Its breakthrough design offers clients competitive pricing and more control over their premiums and benefits. Watch the video now.
  • Product training requirement for MA
    As of April 27, 2015, all producers selling John Hancock Long Term Care insurance or life insurance with a Long Term Care Rider in Massachusetts must certify that they have been trained and understand the product they are selling. Therefore, John Hancock now requires that producers sign and submit the new MA Certification Form - INS-1972 - certifying that they have read and understand the product guide that corresponds to the product they are selling.
  • The Role of LTCi in Retirement Planning
    Make sure your clients aren’t putting their retirement plans in jeopardy.  They may be nearing retirement and have started talking about where they’ll live and the leisure activities they’ll finally have time to pursue. But they haven’t considered how they’ll pay for the LTC services they may need.  This month’s sales idea flyer from Mutual of Omaha can give you the information you need to give to your clients.

April 20, 2015

  • LTCI advisors optimistic about 2015 sales
    Many want training on sales strategies and product details.
  • Mutual of Omaha LTC rate increase implementation on in-force business
    Rate increase implementation will begin on in-force business in Arkansas, Michigan, North Carolina, South Carolina, Tennessee, Wisconsin and Wyoming.
  • The Secret to Growing LTCi
    If you've ever attempted to grow a garden, you know it takes time, patience and dedication before you start seeing results. The same is true when it comes to growing your LTCi business. Once you learn what's keeping your clients up at night, you can plant the seed that LTCi may be able to help. Then, you have to nurture that budding idea by staying in contact and following up with additional information. When the idea finally takes root, you can offer a specific product solution and close the sale. Remember this takes time. It won't happen in one appointment. Read more. Get prospecting materials.
  • 3 good reasons your clients will appreciate Mutual of Omaha’s LTCi
    The three reasons are: innovative products, competitive pricing and a company that's financially strong. View this competitive comparison flyer to see how the features of their products stack up to the competition.
  • The Role of LTCi in Retirement Planning
    View this sales idea.
  • How to find people to talk to
    View this training presentation.
  • Transamerica's LTC NewsApril 16th edition
    In this issue:
    • You're Not Too Small for Multi-Life
    • Tailored CBIO available with TransCare II on April 29th
    • New Product Training Sessions available
    • AALTCI Launches on Demand Learning
    • Forbes: More Companies Support Caregivers

April 13, 2015

  • Genworth's 2015 Cost of Care Survey
    Your clients need the latest long term care (LTC) cost data to build personalized plans. Get the new suite of materials to help you confidently explain potential LTC costs to your clients — from homemaker services, to adult daycare, to private nursing home rooms. Clients will see what care could cost them in their hometown, their planned retirement spot or even where their kids live. And that could be just the motivation they need to put an LTC plan in place today.
  • Help LTCI clients balance affordability with protection
    With Genworth's Where Protection Meets Affordability, you can show clients that smaller, simpler, more affordable policies can provide meaningful coverage. Such policies can help pay for some of the care they could need tomorrow while fitting their budgets today.
  • Genworth in-force rate action announcements
  • Learn about Performance LTC
    Performance LTC is John Hancock’s newest long term care insurance product. It offers the most competitively-priced premiums on the market today; along with flexible features and options that will give your clients greater control over their premiums and benefits. Click here for more details about this exciting new product, including where it’s approved for sale and marketing materials to support your sales efforts.  Start spreading the word about Performance LTC! This customizable flier is a great way to raise awareness and generate sales interest about this groundbreaking product.
  • In-force rate action notifications for late April
    Later this month, policyholder notifications will begin on the next round of John Hancock and Fortis policies impacted by the 2010 and 2013 in-force rate actions; which will have an effective date beginning with anniversaries on or after July 1, 2015. Click here for details.
  • The Cost of Waiting
    No one knows what the future holds. It’s possible your client could receive a health diagnosis tomorrow that would make them ineligible for coverage. If your clients wait until their health fails, they may not be able to purchase a long-term care policy at any price. Paying the entire bill for long-term care services is the real cost of waiting.

April 6, 2015

  • 25 steps to close a sale during the first call
    Why not make that sale right now?
  • Genworth's 2015 Cost of Care SurveyIT’S HERE!
    View it now.
  • John Hancock's Life in Motionnew approaches to maximize your sales
    View this video on Adapting to Change.
  • Mutual of Omaha's Buy-Up Option
    Use the Buy-Up Option to protect your clients from inflation.
  • Transamerica's LTC NewsApril 2nd edition
    In this issue:
    • Transamerica Sponsors the Colorado Rapids 
    • Red Room Makes a Splash at ILTCI Conference
    • New Comprehensive General Agency Agreement Packets

March 30, 2015

  • LTCI: The new crop
    Carriers are coming up with ways to make coverage more affordable.
  • 2015 Cost of Care Surveycoming this month!
    This survey lets you confidently explain potential LTC costs to your clients; from homemaker services, to adult daycare, to private nursing home rooms. You can help clients see what care could cost them in their hometown, their planned retirement spot, or even where their kids live. When clients see what care could really cost, they’ll be motivated to choose the right level of protection to fit their needs.
  • Genworth's in-force rate action announcements
  • John Hancock's Performance LTCNEW PRODUCT REMINDER!
    Performance LTC offers the most competitively-priced premiums on the market today; along with flexible features and options that will give your clients greater control over their premiums and benefits. Use this customizable flyer to start spreading the word about this new product.
  • LTC Illustratorupdated version
    This updated version of John Hancock'sLTC Illustrator desktop software is now compatible with all operating systems. If you experienced any prior issues with running the software, you must uninstall it and then reinstall this new version. If you did not experience any issues running the software you do not need to take any action. Please go to www.jhltc.com (login required) for instructions on how to download and run this updated version.
  • JH LTC Illustrator to replace Hansel as the LTC Quoting Toolreminder
    Click here for details and the transition period for Ehansel/Hansel.
  • John Hancock's Individual LTCI product suspended n New Hampshirereminder
    View the bulletin.
  • Changes to John Hancock's CCIII featuring Benefit Builder in NY - reminder
    Click here for details and transition guidelines.
  • John Hancock in-force rate action notifications for late April - reminder
    View the bulletin.
  • Mutual of Omaha rate increase on in-force business in AZ, MO, NE, ND & SD – effective June 1st
  • MutualCare Solutions now available in Hawaii

March 23, 2015

  • Think of LTCI in a different way
    It’s not just nursing home insurance. Think of it as "living insurance" that can help protect clients' independence, quality of life, and preserve relationships with loved ones. And it doesn't have to be expensive, or an all-or-nothing proposition. Families can benefit from it and so can people without kids. The people who have bought it value the sense of security it can provide. It’s long term care insurance, and here’s a whole new approach to selling it.
  • Introducing Performance LTCNEW PRODUCT!
    Performance LTC is John Hancock’s newest long-term care insurance product. It offers the most competitively-priced premiums on the market today; along with flexible features and options that will give your clients greater control over their premiums and benefits. Get details about this exciting new product; including where it’s approved for sale and marketing collateral available to support your sales efforts.
  • JH LTC Illustrator replaces Hansel as the LTC Quoting Tool
    A new platform, JH LTC Illustrator, has been introduced to run illustrations for all long-term care insurance products: CC III with Benefit Builder, Partnership Products in Connecticut and Indiana, and the new Performance LTC product.  This new system has a streamlined design and a more enhanced user experience. Get details about JH LTC Illustrator; as well as the transition period for Ehansel/Hansel.
  • Individual LTCI product suspended in New HampshireIMPORTANT NOTICE!
    Effective March 31, 2015, John Hancock is suspending sales of its individual long-term care insurance product portfolios in New Hampshire; including Custom Care III and Performance LTC.  This is due to recent regulatory changes. 
  • New premium rates for John Hancock's CCIII featuring Benefit builder in NY
    Several changes were made for all new business; including new rates and some changes to features on Custom Care III featuring Benefit Builder product in New York.
  • Mutual of Omaha LTC rate increase on in-force LTC businesseffective June 1st
    On June 1, 2015, there will be a rate increase on in-force business in Missouri, North Dakota, South Dakota, and Nebraska.
  • Mutual of Omaha LTCi Delivery Receipt requirement for Illinoiseffective April 1st
    View the bulletin.
  • Transamerica's LTC NewsMarch 19th edition
    In this issue:
    • Why think Transamerica now?
    • Delaware adds Transamerica Secure & TransCare III
    • New product training material available
    • Meet the trainer

March 16, 2015

  • 5 wearables that could shred LTC cost forecasts
    Maybe older people will have a little machine help with the activities of daily life.
  • Help your clients live long term
    Introducing a whole new way to think about long term care insurance. Check out Genworth’s new Living Long Term materials - a 4-piece suite with the power to change the way your clients think about LTCI.  Imagine a world where:
    • Consumers thought of long term care insurance as “living insurance” that helps maintain independence, quality of life, and preserves relationships with loved ones
    • Your prospects could read first-hand testimonials from people who have used long term care insurance, and see how valuable it is to them
    • Couples without children and younger clients could read LTCI materials written just for them
    • Meaningful coverage was more affordable than clients thought
  • Genworth in-force rate action for Kansas
    View the bulletin.
  • New premium rates for CCIII featuring Benefit builder in NYreminder
    Effective March 16, 2015, several changes were made; including new rates and some changes to features on John Hancock’s Custom Care III featuring Benefit Builder product in New York. Get complete details and transition guidelines.
  • Ordering marketing materials is as easy as 1,2,3 reminder
    If you are looking for marketing materials to help grow your business, John Hancock’s LTC ordering system offers a streamlined way to locate materials and place orders. Accessing the brochures, applications, and prospecting materials you need to support your sales efforts has never been easier. Learn how to get started.
  • Support materials during tax seasonreminder
    John Hancock offers numerous materials that cover LTC insurance tax considerations. The tax guide (GFR-TX) and the prospecting brochure (LTC-4920) have been updated for 2015 and are available to order and download on jhltc.com. Also, check out the Tax Center by going to Producer Support>Resource Centers for all available materials.
  • John Hancock underwriting presentation
    This presentation - LTC Underwriting Overview, Strengths, and the Process - will update you on the most recent changes to John Hancock’s underwriting procedures; as well as explain the value of their new approach to you and your clients.
  • The changing landscape of LTC planning
    Even though the long-term care planning landscape is changing, there’s one thing that’s stayed the same. A traditional LTCi policy remains a viable way for your clients to protect themselves from the risk of needing LTC services.

March 9, 2015

  • Cost of Careupdates coming in April!
    View the announcement.
  • New premium rates for CCIII featuring Benefit builder in NY effective March 16th
    Effective March 16, 2015, there are several changes for all new business - including new rates and some changes to features - on John Hancock's Custom Care III featuring Benefit Builder product in New York.  View the bulletin.
  • Ordering John Hancock marketing materials is as easy as 1,2,3
    Are you looking for marketing materials to help grow your business? Accessing the brochures, applications, and prospecting materials you need to support your sales efforts has never been easier. Learn how to get started.
  • Support materials during tax season
    Now that tax season has arrived, John Hancock is prepared to support you with numerous materials that cover LTC insurance tax considerations. The tax guide (GFR-TX) and the prospecting brochure (LTC-4920) have been updated for 2015 and are available to order and download on www.jhltc.com (login required). While you’re there, check out the Tax Center, Producer Support>Resource Centers for all available materials.
  • eDocuments is expandingeffective late March
    John Hancock is expanding their eDocuments service to include electronic access to key post-issue policy documents; like rate action notifications and policy change confirmations. View the bulletin.
  • Share the good news about Mutual of Omaha's Shared Care
    Spouses share everything else, so why not share LTCi benefits? Adding the optional Shared Care benefit to your clients’ policies means if one of them exhausts the benefits of one policy, they can access benefits under the other policy. View the sales idea.
  • Transamerica's LTC NewsMarch 5th edition
    In this issue:
    • Transamerica Secure & TransCare III Now Available in New Jersey
    • Say Bonjour to the Transamerica Red Room
    • Learn More About Our BIO Options
    • LTCG Releases Annual Cost of Care Study

March 2, 2015

  • Genworth's In-force rate action for KY
    View the bulletin.
  • John Hancock NY Partnership LTCI product discontinuedeffective April 27th
    After a thorough analysis, John Hancock has decided to discontinue sales of its’ New York Partnership individual long term care insurance policies (Policy Forms: LTC-11 NYP and LTC-11 SGNYP); effective April 27, 2015. Their LTC product portfolio is moving in a different direction than New York Partnership product requirements allow. Get complete details here.
  • Ordering marketing materials is as easy as 1,2,3
    Are you looking for marketing materials to help grow your business? The John Hancock Long-Term Care ordering system offers a streamlined way to locate materials and place orders. Accessing the brochures, applications, and prospecting materials you need to support your sales efforts has never been easier. Learn how to get started.
  • Caregiver Support Servicesupdate
    John Hancock's Caregiver Support Services program will continue to offer the same benefits that it always has, through a new vendor. These benefits provide valuable support in the event that your clients find themselves in a caregiver role before they need care of their own.
  • Leadership Flier
    When you recommend LTC insurance to your client, it’s important to consider the company that stands behind the coverage. This flier underscores John Hancock’s commitment to the industry, to you, and to the people we insure. It also summarizes our experience, claims paying track record, and financial strength.
  • eDocuments is expanding effective late March
    John Hancock is expanding eDocuments to include electronic access to key post-issue policy documents, beginning in late March, 2015. As a result, they will discontinue producer mailings of the post-issue documents that are being made available through the eDocuments service. Refer to this Frequently Asked Questions flyer to learn more.
  • What's Your Plan for Retirement?
    If you haven't considered how you'll pay for long-term care services, you may be putting your retirement plans in jeopardy.  View this “Why Your Retirement Plan Should Include Long Term Care” brochure from Mutual of Omaha.
  • Important changes to Transamerica's benefit increase options
    Click here for details.