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WELCOME!Simply dial 1-866-299-7945, then 8754# when prompted.

THE PERFECT PORTFOLIO

“Throw the Net Wide!”

An Overview of Products Every Senior Market Agent Should Consider

� Probably the area of LTCi most changed in 2014-15

� Companies tighten up due to APS mainly

� Some carriers go to blood & urine

� Agents forced to change selling format

Underwriting

� Many agents start with UW

� Pivot to correct product as more information received

� Always “Set the Table” after closing

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� That allows you to insure the greatest # of prospects

� That can help both HO & field declined LTCi prospects

� That allows you to do SOMETHING!

You Want A Portfolio…

� Walking away & not helping = large % of income disappearing

� May have been ok in past – plenty of less expensive leads available

� Today’s lead costs & time investment mandates smart agents have

solutions for less healthy prospects

First is a Great LTCi Product…

Mutual of Omaha’s

MutualCare®

Custom Solution

LTCi

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� Built-In, First-Day Cash Benefit – no restrictions

� Option for 200% Professional HHC Benefit

� Flexible Compound Inflation Options

� From 1% - 5% (in .25% increments)

� Guaranteed Buy-up Included

� Unique Spousal Security Benefit

MutualCare® Custom Solution

For your healthy clients, this is the best LTCi product in

the market. Check out our agent website!

A Great Risk LTCi Product…

United Security Assurance’s

LifeStyle Solutions

Select LTCi

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� A Great LTCi / Risk LTCi Plan Setup

� Will accept many clients Mutual won’t

� Actually a solid, traditional LTCi option

Lifestyle Solutions / Select

May be a great alternative for your clients who want

traditional LTCi coverage.

Lifestyle Solutions / Select

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Lifestyle Solutions / Select App

Lifestyle Solutions / Select App

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A Unique CI Plan with Lots of LTCi Flavor…

Guarantee Trust Life’s

Critical Cash™

Critical Cash™

Alzheimer's, Strokes and

Cancer represent over 70% of Long Term Care claims

paid.1

Cancer, heart attacks and

strokes caused 80% of new critical

illness claims.2

1Fifth Intercompany Report prepared by the society of Actuaries, November, 2011 2American Association for Critical Illness

Insurance study conducted by Gen Re, 2011

Similar claim causes in both policies!

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Critical Cash™

Critical Care

Critical Illness

Long Term Care

Critical Cash™

Critical CashTM

Critical Illness

Long Term Care

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� 90%+ issue rate

� Ultra flexible design capability

� Alzheimer’s covered

� Covers major risks & risks LTCi doesn’t cover

� No reduction in coverage – sell to age 84

� Multiple claims potential

� Perfect alternative for those with health concerns

Critical Cash™

Critical Cash™

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Critical Cash™ App

Critical Cash™ App

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A Short-Term Home Care Product…

UW by Reserve National

Kemper Senior

Solutions HHC

Insurance Plan

Kemper HHC Insurance Plan

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Kemper HHC Insurance Plan App

A Few Words About “Hybrid” Products…

Life Insurance or

Annuity Plans With…

LTC Riders

Chronic Illness Riders

Linked-Benefits

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Comparison of Hybrid LTC Options

� Key is having solutions for MOST clients

� Easier appointment setting – no more pre-qualifying

� If leading with LTCi – “Set the Table!” at close

� For greatest success – change your sales approach

� Never forget, if you throw the UW net wide…

� You sell more policies…

� You make more money…

� And, best yet, you HELP more people!

The Full Package - Summary

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www.goldencareagent.com

THE PERFECT PORTFOLIO“Throw the Net Wide!”

Thank You for Attending!

GoldenCare 800-842-7799