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

January 26, 2015

  • Reduced benefit options in Kentucky                                    
  • Helping a client use an HSA to pay LTC insurance premiums
  • Live+Well presents the Mayo Clinic Healthy Living OnlineNEW!
  • LTC sales ideas
    The LTC Sales Idea booklet gives you tips and ideas to turn your clients' LTC needs and concerns into sales. Be sure to check it out.
  • Flexible LTCi... isn't that what your clients want?
    People expect their LTCi policy to work the way they need it to at claim time. That’s why the MutualCare Solutions portfolio products are flexible. People have the ability to choose how they want to receive benefits - cash or traditional reimbursement.  See how it works!
  • LTC NewsJanuary 22nd edition
    In this issue:
    • How Transamerica Secure makes it easier for you
    • Multi-Life HPE Analysis forms now submitted online
    • Newsletter archive search feature now available

January 19, 2015

  • 20 ways to impress LTC planning prospects
    The path to client trust often starts with a little homework.
  • IRS eligible Long-Term Care insurance premium deductions for 2015 - reminder
    Get the details here.
  • Bank Draft AuthorizationNEW PROCESS!
    John Hancock has established a new notification step to help set your client’s expectations regarding the timing of a bank draft deduction.  They are adding a reminder to the new business set up to ensure the producer authorizes bank draft cases. This allows you an opportunity to notify your clients of approval so that they are aware when the first premium will be deducted from their account. You simply need to notify your case manager when the time is appropriate to deduct. There is no paperwork required.
  • Continuing Education PortalNEW!
    John Hancock has partnered with a national CE vendor to provide you with 24/7 on-line access to insurance certification, designation, and continuing education courses at a discounted rate. The Continuing Education Portal is mobile-friendly, available in all 50 states, and includes such convenient features as instant grading, next day state reporting and processing, unlimited exam retakes and, live Customer Support. Click here for complete details.
  • Materials updated with 2015 minimum benefits for Partnerships in CT, IN & NY
    Updated applications and product marketing materials, reflecting the 2015 minimum benefit levels for Connecticut, Indiana and New York Partnerships, are now available for order.  Click here for complete details.
  • Connecting people to what matters most - their family
    Learn about how LTC policies can help your clients get the care they need.

January 12, 2015

  • 4 ways for LTCI specialists to reach out
    Strategies some top pros are using to overcome the bumps in the road.
  • Changes in benefit period options for Genworth Privileged Choice Flex & Privileged Choice Flex 2
    Click here for details.
  • MutualCare Solutions
    Don't forget about this Sales and Marketing Process piece for LTCi. It provides information about:
    • Finding people to talk to
    • Uncovering the problem
    • Providing the Solution
    • Completing the application
    • Delivering the policy
  • LTC NewsJanuary 8th edition
    In this issue:
    • Top 4 Reasons to Choose Transamerica LTC in 2015
    • Updates to ARC Application Status
    • Good News on Aging
    • Holiday Closure

December 29, 2014

December 22, 2014

  • LTC Sales Ideas Booklet
    The Sales Ideas booklet gives you tips and ideas to tackle these issues head on so you can turn your clients’ needs and concerns into sales. Here are the topics you’ll find:
    • Become an LTC Educator
    • Uncover the Problem
    • How to Begin the Conversation
    • How to Find Prospective Clients
    • How the Cash Benefit Keeps People at Home
    • Security for an Uninsured Partner
    • Look for People with a Common Employer
    • How the Buy-Up Option Works
    • The Benefit of Partnership-Qualified Policies
    • How to Get Maximum Benefits for Professional Care at Home
  • LTC NewsDecember 18th edition
    In this issue:
    • Transamerica LTC year in review
    • Easy access to prequalification forms
    • AALTCi publishes 2015 Tax Guide
    • End of year office closings
  • Changes in benefit period options for Privileged Choice Flex & Privileged Choice Flex 2
  • 2015 Partnership Minimum Benefit requirements for CA, CT, IN & NY

December 15, 2014

  • 8 ways LTCI issuers handle border crossings
    What happens if a policyholder retires outside the United States? AALTCI wondered.
  • 2013 in-force rate action notifications for late December
    The 2013 in-force rate action includes John Hancock LTCI individual policies originally issued in Maine, Montana, Oklahoma, and Washington state. Fortis policies or policies impacted by the 2010 in-force rate action are not included in this round. However, we will continue to notify those impacted policies and policyholders from previously announced rounds, as applicable. Click here for complete details.
  • Updated Sponsored Group consumer materials now available in Hawaii
    If you're looking for new LTC insurance sales opportunities, it may be time for you to enter the worksite and affinity group marketplace. John Hancock is prepared to support your efforts by providing you with updated consumer marketing material for the Sponsored Group Discount Program, now available in Hawaii. Download the lists of materials for Employer and Affinity markets.
  • Updated John Hancock Leadership Flier
    A changing LTC insurance environment requires strong leadership. Here is a flier that highlights the reasons you should consider partnering with John Hancock to expand your business. 
  • Caregiver Support Services update
    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.
  • Introducing the Continuing Education Portal
    John Hancock Insurance has partnered with a national CE vendor to provide you with 24/7 online access to insurance certification, designation, and continuing education courses at a discounted rate. The Continuing Education Portal is mobile-friendly, available in all 50 states, and includes such convenient features as instant grading, next day state reporting and processing, unlimited exam retakes, and live Customer Support. Click here for complete details.
  • 2015 Minimum Benefits for Partnership in CT, IN, and NY
    Minimum benefit levels for Partnership products have been announced. Effective January 1, 2015, all Partnership policies in Connecticut, Indiana, and New York must meet or exceed the state-mandated minimums. Please note: the state-mandated minimum for New York is $142, and not $147, as previously reported. Click here for complete details.  John Hancock will provide you with minimums in California as soon as they become available. We will update you as soon as we are able to offer applications and product brochures that reflect the 2015 minimums.
  • MutualCare Solutions Product and Underwriting Guide - revised

December 8, 2014

  • If you think your clients can't afford LTCI, you might be wrong
    There are many myths about long term care. And they might be holding you back from offering valuable protection your clients really need. Take a 30 second quiz to test your knowledge. Check out this Dispel the Myths about Long Term Care brochure; where Genworth dispels common LTCI myths and provides useful insights that could change the way you and your clients think about long term care insurance.
  • Kiplinger's LTC Video
    Check out the approved consumer-focused LTC video from Kiplinger's.
  • LTCi - helping people avoid becoming a burden
    The last thing parents want is to become a burden to their family. Most people know they may need help as they grow older, yet some don’t have children who live close by. Others know it’s not fair to assume their kids will be able to take care of them when the time comes. Yet others simply don’t want their kids to have to assume the role of caregiver. Watch this short testimonial video from Life Happens to see real-life accounts of how purchasing an LTCi policy helps people avoid becoming a burden to their families.
  • LTCi Tax Advantages
    There are a lot of advantages to owning an LTCi policy, like the potential to save on federal and state taxes. Here’s how:
    • LTCi premiums may be tax deductible for federal tax purposes
    • LTCi policy benefits are intended to be tax free
    • Out-of-pocket expenses may be tax deductible
    • Some states also offer tax deductions
  • Transamerica's LTC NewsDecember 4th edition
    In this issue:
    • Easy access to consumer marketing materials
      One convenient e-kit and dedicated web pages give you an easy way to download or email our top performing LTCi pieces to clients.
    • AHIP releases benefits of LTCi study
      America's Health Insurance Plans has collected decades of data for a new report on the impact of LTCi on long term care financing.
    • Aging's affect on millennials
      Yesterday's U.S. News & World Report ran a short, informative article on the realities of caretaking.

December 1 2014

November 24, 2014

  • 3 facts about families' wall of LTC silence
    Northwestern Mutual found that many people have no idea what relatives plan to do.
  • The noblest profession
    A long-term care insurance agent talks about what he believes sets his specialty apart.
  • Genworth Privileged Choice Flex 3 launced in CT, FL & MT
  • 2013 & 2010 in-force rate action notifications for late December
    The 2013 in-force rate action includes John Hancock LTCI individual policies originally issued in Maine, Montana, Oklahoma, and Washington state. Please note: Maine requires that policyholders affected by this increase must be notified 90 days prior to the effective date, resulting in effective dates beginning no earlier than April 1, 2015. Fortis policies or policies impacted by the 2010 in-force rate action are not included in this round. However, we will continue to notify those impacted policies and policyholders from previously announced rounds, as applicable. Click here for complete details. Please note: The phone number to call with any rate action questions or inquiries has changed to 888-654-6582.
  • 2015 minimum benefits for Partnership in CT, IN &  NY
    Effective January 1, 2015, all Partnership policies in Connecticut, Indiana, and New York must meet or exceed the state-mandated minimums. Please note: the state-mandated minimum for New York is $142, and not $147, as previously reported. Click here for complete details.  John Hancock will provide you with minimums in California as soon as they become available. We will also update you as soon as we are able to offer applications and product brochures that reflect the 2015 minimums.
  • Find out why LTC matters!
  • Planning for LTC
    It's LTC Awareness Month. Here are eight things from Mutual of Omaha that people should know about LTC.

November 18, 2014

  • Long Term Care Awareness page
    This site from Genworth contains an updated collection of thought-provoking materials ready for you to use.  Starting the discussion has never been easier.
  • Genworth's FlexFit Premium Package - case studies
  • Genworth's FlexFit Coverage Package - case studies
  • A 3-step best practice to help define your target client profile
    Use this Increasing Share of Wallet – Target Client Profile brochure from Genworth to help define your target client.
  • Genworth's in-force rate action resource center
  • 2015 Partnership minimum benefit requirements for CT, IN & NY
  • Genworth's Privileged Choice Flex 3 now available in CT, FL & MT
  • New resource for you to share with clients
    Americans are living longer, and that’s a wonderful thing. But the longer we live, the greater our chances of needing extensive healthcare services from hospitals, long-term assistance nursing homes, assisted-living facilities, and in-home care providers.            With Lincoln National, you can support your clients by developing a strategy for the future. Lincoln Wealth Protection Expertise can help protect your clients’ financial outcomes from some of the biggest challenges — taxes, market volatility and longevity. Build client confidence. Share this important document.
    • LFD-WPHT-WPR003 (for use in all states except AZ, CA, CT, DE, DC, FL, HI, IN, MT, ND, NJ, NY, SD and VI)
    • LFD-WPHT-WPR004 (for use in in AZ, CT, DE, DC, FL, HI, IN, MT, ND, NJ, NY, SD and VI)
  • LTC - Next steps in the application process
    Use this Next Steps flyer from Mutual of Omaa to review with your clients what happens in the LTCi application process.
  • Want your Mutual of Omaha LTCi business issued quickly?
    Here’s what you can do to help.
  • LTCI Marketing Credits Program
    Mutual of Omaha’s LTCI Marketing Credits Program gives you the opportunity to score marketing credits that can be used to help build your LTCi business.  Start earning credits on your fifth LTCi app placed after November 1, 2014.
    • Earn 1% of ANBP
    • 1 credit = $1
    • Credits must be redeemed by March 31, 2016
  • Transamerica's LTC News – November 13th edition
    In this issue:
    • TransBuilder customizable multi-life materials
    • Family Matters brochure
    • New easy access to LTCi consumer videos
    • LTC eApp use growing

November 10, 2014

  • 4 tips for finding the right premium for your next long-term care pitch
    Knowing details about the costs of long-term care can help agents design more inexpensive products.
  • 2 ways to increase LTC product sales
    One lesson relates to procrastination. Another, to referrals.
  • Think clients don't like the idea of LTCI?
    The reality is very different, and your opportunity to offer long term care insurance (LTCI) could be much bigger than you thought.  Take a 30 second quiz to see if your perceptions are right or wrong. Check out the Dispel the Myths about Long Term Care brochure, where common LTCI myths are dispelled and facts are provided that just might change the way you approach long term care planning.
  • Temporary suspension of Genworth Individual LTCI products in MA & NH
  • Genworth In-Force Rate Action announcements
  • LTC Matters - the need is real
    As a financial professional, you know the role that long-term care insurance can play in financial planning. You also know that one of the greatest challenges you face can be convincing your clients that the need is real. John Hancock's LTC Awareness Month series will provide you with the facts you need to show your clients that LTC Matters.
  • It's LTC Awareness Month!
    Be sure to take a look at the Kiplinger's Magazine insert for LTC Awareness Month.
  • A close-up of Transamerica’s star-studded LTC performers 
    Click here for marketing materials to get your clients interested and informed about Long  Term Care insurance.  Whether they need a general  overview of LTCi or greater insight into Transamerica LTC policy benefits, there’s a sales tool that can help.

November 3, 2014

  • LTCI is too expensive and complex. Right? Not Anymore!
    Until recently, affordability and complexity made it harder for you to offer your clients long term care insurance (LTCI). Now you can overcome both challenges with Genworths’ FlexFit packages. They start at less than $100 a month for qualified applicants, making it easier to fit LTCI into clients' budgets. And, their pre-packaged features and benefits help make the product simpler to understand, explain, and sell. To get started, determine whether you're solving for a certain dollar amount to stay within your client's budget, or a specific coverage amount to protect their income or assets. There are two FlexFit package types optimized for each goal: FlexFit Premium and FlexFit Coverage. Click here for complete details.
  • Plan for Living
    Use Genworth's Plan for Living Producer Guide and the Plan for Living Workbook to help you have a productive conversation with your clients about some of the biggest retirement risks they may face, including long term care.
  • Integration of Genworth's Quote It! and eValuate
  • You don't need an excuse to talk about Long Term Care with clients
    Here are materials from Genworth to help you start the conversation!
  • Requirements to Access Special (Couples) Benefits Form for MDnew form
    Beginning November 17, 2014, a new Requirements to Access Special (Couples) Benefits form will be required for Genworth's Privileged Choice Flex 2 in Maryland.
  • Genworth new business Conditional Insurance Agreement (CIA)guidelines
  • Custom Care III featuring Benefit Builder available in CAeffective November 10th
    John Hancock is re-entering the California market with Custom Care III featuring Benefit Builder (non-Partnership product only). Benefit Builder is a first-of-its-kind feature providing an affordable alternative to more costly traditional inflation options. It includes:
    • Automatic Crediting that allows policyholders to gradually grow their benefits over time
    • Voluntary Buy-up Options that allow for additional flexibility by providing the policyholder with the opportunity every three years through age 75 to increase benefits by 10%
  • Product & pricing changes for MT & NDeffective November 10th
    On November 10, 2014, several changes are being made for all new business - including new rates and some changes to features on John Hancock's Custom Care III featuring Benefit Builder - in Montana (unisex only) and North Dakota. Paper applications for current rates and benefits in these states must be signed by November 9th and received in the Home Office by November 10th. LTC Captivate business must be signed and submitted through the system by November 9th.
  • LTC Captivate available in CT, HI, ND & CAeffective November 10th
    LTC Captivate - John Hancock’s web-selling platform that supports an entirely paperless sales and application process for LTC insurance - will be available for use in Connecticut, Hawaii, North Dakota, and California on November 10th.  Please note: In California, access is to the Plan and Apply sections only. To learn how to get started with LTC Captivate, view the presentation at jhltc.com, or sign up for a training webinar (listed in the webinar section above).
  • John Hancock underwriting process changes for NY
    Click here for details about the New York underwriting process. And, download the new consumer brochure - Preparing for Your Paramedical Exam - to help your clients know what to expect so they can be fully prepared for the paramedical exam.
  • Grow your LTCI sales
    Check out a copy of the Grow flyer to see why Mutual of Omaha is the right company for you!
  • Transamerica's LTC NewsOctober 30th edition
    In this issue:
    • Top Performers Materials Guide
    • LTCi Needs Video
    • Support 3in4 Need More