Long Term Care (LTC)Tools

NEW! Transamerica LTC eApp

LTC eApp makes selling Transamerica LTCi easier. It’s a completely paperless system that 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
July 28, 2014
July 21, 2014
  • Here’s Why You Should Consider Long-Term Care Insurance
  • Putting more life in long-term care
    If you've been sitting on the fence about long-term care insurance, maybe it's time to lean forward.
  • Genworth Flex Effect LTC Sales contestNEW!
    For every Privileged Choice Flex, Privileged Choice Flex 2 and Privileged Choice Flex 3 Long Term Care Insurance application received between July 21st and September 30th, and placed by December 31st, you win VISA gift card(s).  See our incentives page for details!            
  • Genworth FlexFitNEW!
    With the launch of Privileged Choice Flex 3 (Flex 3), Genworth is introducing FlexFit Packages; bringing the best of both worlds together with options that can be more affordable to many of your clients.
  • Genworth Privileged Choice Flex 3 launched in 42 states
  • Changes to Genworth Privileged Choice Flex 1 and Privileged Choice Flex 2
  • Delaware is now a Long Term Care Partnership State
  • Genworth Live+Well customer videoNEW YouTube link  
  • 2013 and 2010 in-force rate action notifications to take place in late August
    The 2013 in-force rate action includes John Hancock LTCI individual policies originally issued in Arizona, Michigan, Missouri, Nebraska, North Dakota, and Wyoming. The 2010 rate action applies to John Hancock and Fortis LTCI individual policies in Pennsylvania, where we will continue the implementation of the rate increase for policyholders who have received their initial "capped" increase. It also includes John Hancock policies in Colorado and West Virginia. Rate increases will have an effective date beginning with anniversaries on or after November 1, 2014.  Please note: The phone number to call with any rate action questions or inquiries has changed to 888-654-6582.
  • Sponsored Group Discount Programupdated consumer marketing materials
    The materials are designed to help you prospect in the worksite and affinity marketplace, and are approved in all states except Hawaii. Also, a new Program Highlighter has been developed that can modify any consumer marketing piece into one that features the 5% discount message. Click to view the Sponsored Group Program collateral guides for both the employer and affinity markets. All materials except the Agent Contact Poster are available. now. The poster will be available to order in late July.  Stay tuned for updated employer and producer materials later this year.
  • LTC Field Underwriting Guide
    The LTC Field Underwriting Guide features the most recent guidelines to medical conditions and underwriting determinations. (Available in all states.)
  • Insurability Screening Guide - now available
    This new producer tool will help you determine your client's insurability. This is a key part of the initial sales process now that the medical questions are no longer collected by the agent.  There is also an abbreviated version that is part of the producer instructions in the new application booklets. (All states except FL, HI and NY.)
  • Application highlights - flier
    This new flier highlights recently changed areas on the application, for easy reference.
  • Partnership webinar training
    • 4-Hour Refresher
      LTC Connection now offers 4-Hour Refresher Training for only $24.00 via webinar (in select states). You will receive a Certificate of Completion that meets your state's DRA/NAIC LTC Partnership training requirements. Unlike online training, you do not have to take an exam.  Click here to see if you are eligible to take a webinar. If not, we offer the 4-hour training online.
    • Colorado 5-Hour Ongoing Mandatory Training
      Colorado requires that the 5-hour ongoing training be taken in a classroom venue.  LTC Connection has received approval from the Colorado Department of Insurance to now offer this classroom training via webinar. No more waiting for a class in your area or traveling to meet this requirement. Webinars are offered on a weekly basis, and there is no exam required.  Click here for Colorado webinar schedule.
  • How to get Maximum Benefits for Professional Home Health Care - LTC Sales Idea
  • Transamerica's LTC eAppNEW!
    LTC eApp makes selling Transamerica LTCi easier. It’s a completely paperless system that 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.   Go to our eApp page or our LTC page for more information.
  • Compare LTC benefits
    View this policy comparison chart so you can see the Transamerica Difference for yourself.
July 14, 2014
July 7, 2014
  • 5 steps to deal with LTCI declines
    Tighter underwriting standards could lead to new planning challenges.
  • John Hancock's first round of 2013 and next round of 2010 in-force rate action notifications
    John Hancock has already started to notify the first round of policyholders impacted by the 2013 in-force rate action. In addition, they have begun to notify the next round of John Hancock and Fortis policyholders impacted by the 2010 in-force rate action. Rate increases will have an effective date beginning with anniversaries on or after September 1, 2014.  Click here for complete details; including affected states and policy series, and an update to the average Forbes increase percentage.
  • Insurability Screening Guide
    This new producer tool will help you determine your client’s insurability (currently available in all states except Hawaii, Florida and New York). This is a key part of the initial sales process now that the medical questions are no longer collected by the agent.
  • Application highlight flier
    This new flier highlights recently-changed areas on the application, for easy reference.
  • Help your client prepare for the Paramedical Exam
    With the recent introduction of the new underwriting changes on May 19th, all clients (except in Hawaii, Florida, and New York) are required to undergo a paramedical exam as part of the LTC application process.  This new consumer brochure has been developed to help your client prepare for the Paramedical exam
  • In-Force Rate Action announcements from Genworth
  • MutualCare Solutions
  • Transamerica's LTC News
June 30, 2014
June 23, 2014
  • Help your client prepare for the Paramedical Exam from John Hancock
    With the recent introduction of the new underwriting changes on May 19th, all clients (except in Hawaii, Florida, and New York) are required to undergo a paramedical exam as part of the LTC application process.  This new consumer brochure has been developed to help your client prepare for the Paramedical exam.
  • LTC Sales Idea Booklet
    Mutual of Omaha's new LTC Sales Idea Booklet contains effective sales ideas to aid in growing your business.
June 16, 2014
June 9, 2014
  • Explaining LTCI rate increases
    Talking about the changes is not easy, but it's certainly necessary.
  • In-Force Rate Action announcements from Genworth
  • In-Force Rate Action notifications - reminder
    First round of 2013 and next round of 2010 in-force rate action notifications are scheduled to take place in late June.  Policyholder notifications will take place in late June, and rate increases will have an effective date beginning with anniversaries on or after September 1, 2014.  Please note: the phone number to call with any rate action questions or inquiries is changing to 888-654-6582.
    • New flyer provides tips for discussing the rate action with your clients
      Be sure to check out "Having a conversation with your clients"; which provides additional discussion points to help address any questions your clients may have around the value of maintaining their policy.
  • Training
    • 4-Hour Refresher Training
      LTC Connection now offers 4-Hour Refresher Training via webinar in select states. You will receive a Certificate of Completion that meets your state's DRA/NAIC LTC Partnership training requirements (CE is only available in select states). Unlike online training you do not have to take an exam.  Click the link above to see if you are eligible to take a webinar. If not, John Hancock offers the 4-hour training online.
    • Colorado 5-Hour Ongoing Mandatory Training
      Colorado requires that the 5-hour ongoing training be taken in a classroom venue. LTC Connection, has received approval from the Colorado Department of Insurance to now offer this classroom training via webinar. No more waiting for a class in your area or traveling to meet this requirement. Webinars are offered on a weekly basis. There is no exam to take.  Click the link above for Colorado Webinar Schedule.
    • Massachusetts 8-Hour NAIC LTC training due by July 1, 2014 - reminder
      All producers must take an eight-hour NAIC Partnership course effective July 1, 2014 in order to continue soliciting and selling LTC Insurance. If you have taken an eight-hour NAIC Partnership Course from another state, you can take a two-hour Massachusetts supplement course. To view the required eight-hour and two-hour courses go to www.jhpartnership.com.
  • MutualCare Solutions
  • LTC News
June 2, 2014
May 26, 2014
May 19, 2014
  • LTC training requirements for Massachusetts – reminder from Genworth
  • Product, pricing, and underwriting changeseffective May 19th
    On May 19th, there will be several changes to John Hancock’s product and pricing on the Custom Care III and Custom Care III featuring Benefit Builder products. Additionally, they will be introducing a shortened application and revised underwriting process.
    Important New Business transition guidelines for product changes: Paper applications for current rates and benefits must be signed by May 18th and received in the home office by May 19th. LTC Captivate business will need to be signed and submitted through the system by May 18th.
  • Temporary suspension of business in Californiaeffective May 19th
    On May 19th, John Hancock is temporarily suspending sales of all LTC products in California; until their product pricing has been updated and they are ready to implement. They expect to have their revised product available in California in the next few months.  Important Transition Guidelines: Paper applications for current rates and benefits in the state of California must be signed by May 18th and received in the home office by May 27th.
  • Watch FREE BROADCASTS from the National LTC Sales Summit May 18-20
    Broadcasts from the National Long Term Care Sales Summit – being held in Kansas City – can be accessed by visiting www.Insurance Expos.com and clicking the To Register for Free button.  This is a great way for you to stay on top of the latest industry developments.  Click here for a list and schedule of key sessions.
  • LTC Services: What’s the Cost?
    Help your clients understand what they can expect to pay for LTC services in their area.
  • LTC News - from Transamerica
May 12, 2014
  • Understanding LTCi rate increases
    One major driver has been LTCI rate stabilization legislation.
  • Genworth's Live+Well News - Ask Mayo Clinic Nurse Line receives prestigious quality certification
  • Product, pricing, and underwriting changes - effective May 19th
    Effective May 19th, there will be several changes to our product and pricing on the Custom Care III and Custom Care III featuring Benefit Builder products. Additionally, we will be introducing a shortened application and revised underwriting process. Please note: Paper applications for current rates and benefits must be signed on or prior to May 18th and received in the home office by May 19th. LTC Captivate business will need to be signed and submitted to us through the system on or prior to May 18th.
  • Temporary suspension of business in Californiaeffective May 19th
    Effective May 19th, John Hancock is temporarily suspending sales of all LTC products in California, until their product pricing has been updated and ready to implement. They expect to have our revised product available in California in the next few months.  Paper applications for current rates and benefits in the state of California must be signed on or prior to May 18th, and received in the John Hancock home office by end of day May 26th.
  • Massachusetts 8 Hour NAIC LTC training - due by July 1st
    All producers must take an eight-hour NAIC Partnership course effective July 1, 2014 in order to continue soliciting and selling LTC Insurance. If you have taken an eight-hour NAIC Partnership Course from another state, you can take a two-hour Massachusetts supplement course. To view the required eight-hour and two-hour courses go to www.jhpartnership.com.
  • Completing the MutualCare Solutions Applicationtraining presentation
May 5, 2014