Messages from Mary

Mary Sizemore

LTC Solutions



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Latest News 

April 1, 2022

Upcoming Webinar Schedule

 April 6th, Thrivent Best Practices Underwriting

April 13th, Brighthouse

April 20th, Securian SecureCare III


Invitations will be sent soon or feel free to contact a member of our marketing team!





Now Expanded – Long Term Care Insurance Agent Change Submissions on Genworth PRO
Effective: March 7, 2022 Read More  

In-Force Rate Action Announcement: California: PCS II, Choice 1, Unbundled, Reprice, California Discount Enhancement (CADE)
Effective: March 14, 2022 Read More  

In-Force Rate Action Announcement: Virginia: PCS I
Effective: March 14, 2022 Read More  

In-Force Rate Action Announcement: California:
PCS II, Choice 1
Effective: March 14, 2022 Read More  

In-Force Rate Action Announcement: Florida:
My Future, My PlanTM
Effective: March 28, 2022 Read More  

In-Force Rate Action Announcement: Florida: Privileged Choice® Flex
Effective: March 28, 2022 Read More  

In-Force Rate Action Announcement: Mississippi: Privileged Choice® & Classic Select® with Flexible Benefit Option and 1% Benefit Increase Option
Effective: March 28, 2022 Read More  


Long-Term Care Claims Updates
Starting March 2022
We are pleased to announce that we have partnered with a third-party, LTCG, to handle the long-term care claims 
process, including notice of claim, eligibility decision, invoice management and recertification, effective March 2022.
Lincoln strives to continuously improve the experience and by partnering with LTCG, Insureds and their families will 
benefit from:
Simpler client experience – LTCG will handle the claims process, focusing on reducing
customer effort and helping customers appropriately manage their benefits.
Robust online functionality – LTCG has functionality that will allow our customers to 
submit and track their claim status online.
No action is needed from you or your clients at this time. If you have any questions, please contact our Customer 
Contact Center at 800-487-1485.

Mutual of Omaha

Condition-Related Marketing Series

We have several flyers dedicated to helping you effectively take applications for clients with certain health diagnosis including sleep apnea, osteoporosis and COVID-19.

The Need for Home Health Care and Hospice Care

Given a life expectancy of six months, Thomas used his LTCi policy to get home health care and hospice end-of-life services.

Updated Partnership Overview Guide

The LTC Partnership Guide has been updated for all states and is available for download now.

Long-Term Care Application Tips

Our underwriters look at the total picture, including your client's health, cognitive status and lifestyle. Painting a picture is the best way to ensure your cases are issued quicker.

Underwriting Update: Scheduling LTCi Telephone Interviews Via Text Message

Mutual of Omaha is pleased to announce that effective March 21, 2022, long-term care applicants will be able to conveniently schedule telephone interviews via text message.

New Sales Idea: Help Clients Stay at Home

By walking through how LTCi provides in-home services, you can help clients feel more secure in their purchase of an LTCi policy... and, possibly help keep them in their home longer.

Updated Next Steps Flyer

Use this Next Steps Flyer to discuss what to expect during the LTCi application process with your clients.

Inforce Long-Term Care Insurance Rate Adjustments Effective June 1, 2022

Mutual of Omaha will be implementing inforce rate adjustments effective June 1, 2022.

LTC New Business Rate Refresh and Benefit Changes in California

Effective April 1, 2022, we will be implementing new rates and benefit option changes to the MutualCare® Solutions Portfolio in California.

California Partner Allowance Guidelines

Mutual of Omaha is allowing a 6-month period for policyholders to receive the "Partner - Both Issued" allowance when partners are issued policies with two different rates. View the details.





NGL EssentialLTC Consumer Presentation

Click the image above to download

Show your clients the importance of Long Term Care insurance (LTCi) with the EssentialLTC Consumer Presentation.

The presentation explains to consumers why they should consider LTCi, the cost of long term care and how not having LCTi can impact their family. It uses easy to understand language and visual charts to help your clients make an informed decision about their long term care needs.

Visit the Agent Resource Center to download a PDF a copy under Consumer Materials.

Available for use in the following states: AK, AL, AR, CO, GA, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV, WY.

Click each link below to download state specific versions:

Consumer Presentation for the state of California.
Consumer Presentation for the state of New Jersey.
Consumer Presentation for the states of DE, HI, ND and SD.

Important E-APP Update

In order to be compliant with recent legislative changes surrounding electronic payments, the option to submit payment through E-APP will be removed after end of the business day on March 17, 2022. The update includes the removal of both one-time ACH and the mail check options for E-APP, and the credit card option for uploading a paper application.

Please complete the signatures of your E-APP applications that are requesting an initial payment via one-time ACH by 5 p.m. PST on March 17. Any E-APPs left unsigned after the update will not have the option to submit a payment through the E-APP.

After the update, all mentions of step 3 being E-PAY will be removed from the E-APP and the step previously reserved for taking payments will instead reflect the beginning of the E-SIGN process. EssentialLTC applications received without premium that are approved and issued will have the premium due as a delivery requirement.

Earn extra cash with NGL!

Sell EssentialLTC, National Guardian Life Insurance Company's (NGL) Long Term Care insurance product, to earn extra cash! Starting March 21 you can earn a $100 Amazon gift card for each qualified EssentialLTC application submitted.

Promotion details:

Each qualified application submitted between 03/21/2022 and 04/30/2022 will earn the writing producer a $100 Amazon gift card.

Applications must be received at the LTC Administrative Office by mail, E-APP, or eUpload within the 03/21/2022  - 04/30/2022 time period.

Joint applications count as one application.

Credit will only be given to the writing producer.

Credit will only be given for applicants who do not already have an EssentialLTC policy.

Clearly uninsurable applications will not be counted.

Gift cards will be sent weekly.


Payment options built for your clients

Find the right financial fit for a wide variety of your clients with NGL EssentialLTC's unique payment options and features.

Click the image to download

Joint Pricing Structure and Shared Benefit Rider

Learn how EssentialLTC helps couples with the Joint Pricing Structure and Shared Benefit Rider. When combined, they give a premium for two insureds that can be comparable to a premium for one individual and a third pool of money if one or both insureds exhaust their benefits. For more details about these two features, download the Joint/Shared Benefit Brochure today.

click the image to download

Flexible Payment Options

There are several payment term options that can fit your clients' diverse financial situations. Find out more about these options by downloading the Flexible Payment Option Brochure.

Both of these brochures and may more marketing pieces that explain the great benefits of EssentialLTC can be found on the Agent Resource Center under the Reference Guide section of the Sales & Marketing tab.


ACH payment at delivery option

Beginning tomorrow, April 1, your clients will have the option to pay their first premium required upon delivery of the policy by a one-time ACH transaction on This is only for the first premium payment when the LTCi policy is delivered to your client and it will not work for any other type of payment or policy.

The payor of a policy can access the payment system by visiting and selecting the Pay Premium button. 

Once the policy information is submitted, the payor will be routed to a screen where they can enter their banking details and finish the payment.


Update to Massachusetts Medicare Documents

The commonwealth (state) of Massachusetts has revised the Medicare documents that must be left with applicants prior to completing the application. Effective tomorrow, April 1, 2022, the following changes are being made for Massachusetts Application documents.

The updated documents will be available on the EssentialLTC Agent Resource Center tomorrow, April 1, 2022. These can be found by selecting Massachusetts from the State-Specific Applications and Forms dropdown under the New Business tab.






Interested in learning more about OneAmerica?  Below is a link to the replays of their focus meetings:


Click Here to go to my Focus Group Video Channel


Register today for our Weekly Product Training


Brainshark on Care Solutions



Eliminating COVID-19 restrictions and more

Securian Financial remains focused on delivering high levels of service, helping customers with their insurance needs, and maintaining the company’s financial strength. Your support in delivering on this focus has provided valuable insights to best navigate the unpredictable nature of a pandemic while addressing the additional risks it presents.

Since these participation limits were implemented, our promise has been to actively review these guidelines. Along the way, we have delivered on a request for transparency to enable you to make the best decisions for your customers.

While the pandemic isn’t over, we feel we have developed valuable insights on how to underwrite factors that contribute to COVID-19 mortality. Instead of eliminating eligibility for entire age bands or rate classes, we are utilizing those lessons learned to consider the unique risks for each potential insured. What does that mean? Effective April 1, we are happy to announce the easement of all remaining restrictions related to the COVID-19 Participation Guidelines for all of our life products, including the SecureCare product line.

We will continue to actively monitor COVID-19 data and make decisions that enable us to continue to deliver high levels of service, help customers with insurance needs, and maintain the company’s financial strength.

During challenging times like these, we are grateful for strong relationships. Thank you for your patience and your business throughout this process.


Give your LTC clients a benefit boost

The wait is over! SecureCare™ III is now available in all states except AZ, CA, CT, DC, DE, IN, MT, ND, NY and SD.

SecureCare III, a long-term care (LTC) and nonparticipating whole life insurance policy, is the next evolution in our SecureCare product line. It has all the things you love – plus more flexibility.

From enhanced premium payment flexibility to choosing the protection that matters most, clients can custom build the LTC solution that works for them.

Join us for a webinar to uncover what’s new with SecureCare III:

§ Simplified product design

§ Three return of premium options, including LTC Boost1

§ Competitive sweet spots

§ And more!



The Reading Corner



Are you receiving, providing or paying for LTC?

NY Times


Covid-19 and LTC Insurance Operations



6 LTCi Bills in Play Right Now



Washington Issues Guidance on Delayed LTC Tax



4 big expenses you could face in retirement

Washington Post










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Our Direct Phone Numbers





LTC Solutions 

1234 Enterprise Drive
De Pere, WI 54115  



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