Long Term Care Providers 

   

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Allianz Life Insurance Company of North America

For 100 years, Allianz Life Insurance Company of North America has been providing its clients with a variety of insurance and financial products. They are part of Allianz Group which is ranked as one of the five largest insurance groups in the world. Their longevity and success result from their commitment to creating innovative products. 

 

  Am Best A (Excellent)
  Standard & Poor's AA- (Very Strong)
  Moody's A2 (Good)


Endorsed Group and Association Guide

LTCI General Information

Generation Protector LTCI

Term LTCI

Allianz Web Site - Click here
Online forms, applications, marketing materials, illustration software, etc.
Must have agent number to access this site.

 


 
  Am Best A+ (Superior)
  Standard & Poor's AA (Very Strong)
  Moody's Aa2(Excellent)

Genworth A pioneer and industry leader in long term care insurance, Genworth issued their first LTC policy in 1974. They offer an innovative portfolio of products combined with strong financials. The Long Term Care division provides insurance for more than 845,000 policyholders and has paid over 1.8 billion in LTC claims. Genworth has never raised an LTC premium on any class of business it has issued.

Genworth Web Site - Click here

Genworth Classic Select


Genworth General Information

Genworth Privileged Choice

 

 


 
  Am Best A+ (Superior)
  Standard & Poor's AA (Very Strong)
  Moody's Aa2(Excellent)

General Information

SimpleChoices LTCI Solutions

Employer & Association Information


John Hancock Insurance Company
Founded more than 140 years ago, John Hancock has long been known for financial strength and stability. This is the basis of their strong brand name and their position as one the country's 15 largest providers of insurance products. They are proud to offer their customers and producers some of the best products on the market today, including annuities, life insurance, long-term care insurance and mutual funds. In addition, John Hancock provides producers with the highest level of service and a broad range of cutting-edge sales and marketing tools to facilitate sales.

John Hancock Web Site -
Click Here
Online forms, applications, marketing materials, Illustration Software and other support items.

  • Username: ltcbrokerage
  • Password: hancock

California Partnership Information


 
  Am Best A (Excellent)
  Standard & Poor's AA- (Very Strong)
  Moody's Aa3 (Excellent)

Mutual of Omaha Companies With more than 2.4 million individuals covered under nearly 1.5 million individual health and accident policies, Mutual of Omaha is one of the largest providers of individual health and accident insurance in the United States. Mutual of Omaha is committed to the Long Term Care market and has developed a Cadillac product that offers many features not available in other policies.

 

Mutual of Omaha is one of the few mutual insurance companies left, so the policyholders are the stockholders. It has combined asset of over $18 billion dollars and statutory reserves of $13.9 billion.

 

30% spouse discount for couples applying together. 15% discount for married applicants when only one policy issued. Mutual of Omaha provides friendly and flexible underwriting and Impaired risk ratings to +25% for certain health problems.

 

Mutual of Omaha has issued LTC policies since 19?? and has had one ne rate increase in ???.

 

You can offer members of affinity associations (those with by-laws and dues-paying members) a 10% discount on their long-term care premium. This discount also is available to the spouse, parents, inlaws and adult children of a member.

10% discount for members of affinity associations (those with by-laws and dues-paying members). The association discount is available to the spouse, parents, inlaws and adult children of a member. Ask us about Association Marketing! False

(NOTE: The 15-percent married discount is not available in Calif., Hawaii, Mont. and Puerto Rico. In N.Y., the married discount is 10 percent.In NY, the the association discount is available only to the member and member's spouse.)


Rates compared to competitors

Special features brochure

Products compared to Genworth

Products compared to John Hancock

Products compared to Met Life

Products compared to Physicians Mutual

Products compared to Prudential

LTC Questions & Answers

LTC Course

Sales Solutions:
  Multiple discounts  
  Patient advocacy  
  Employee retention  
 

Informal care giver benefit

 
  20 Year inflation rider  
  Lifetime coverage  
  Spousal Benefit  
     

 

Mutual of Omaha Web Site - Click Here


 
  Am Best A (Excellent)
  Standard & Poor's AA- (Very Strong)
  Weis A+ (Excellent)

Physician Mutual Vista Care Choices P145 (NTQ)

Physician Mutual Vista Care Choices P146 (TQ)

Physician Mutual Vista Care Choices P147 (TQ HHC)

Physician Mutual Vista Care Choices P148 (TQ Basic)

 

Physicians Mutual Insurance Company
Headquartered in Omaha, Nebraska, Physicians Mutual was established in 1902 to serve the health insurance needs of physicians, surgeons, and dentists... and was one of the first to pioneer selling insurance by mail. Today, Physicians Mutual Insurance Company -- and its wholly owned subsidiary, Physicians Life Insurance Company -- provide a wide range of health and life insurance protection, plus tax-deferred annuities to policy owners in all walks of life ... all across the country.

Physician Mutual General Information

Physician Mutual's Web Site
Online forms, applications, marketing materials and software.


 
  Am Best A (Excellent)
  Standard & Poor's AA- (Very Strong)

State Life Insurance Company The State Life Insurance Company was founded in 1894 and is licensed to do business in 46 states and the District of Columbia. They are committed to providing value and quality service to policyholders and beneficiaries and are often the low cost leader in policy comparisons.  

State Life is often critized for its size of less than $500 million in assets. However, State Life is now part of the OneAmerica group and its policies are fully guarateed by American United Life Insurance Company with $12.2 billion in assets.

State Life Web Site - Click Here
Online forms, applications, marketing materials, software, etc.
This site is available to non-appointed agents:

   Username: 12guest
    Password: guest

Appointed agents must register to use this site with their agent numbers in order to check policy status'.

Financial Overview

OneAmerica Annual Report

OneAmerica Fact Sheet

OneAmerica Story brochure

Lifestyle 2000 Agent Guide (CA)
Lifestyle 2000 Underwriting Guide (CA)
Lifestyle 2000 Supply Requisition (CA)

Care Guard Info

Care Guard State Availability

Agent Guide

Underwriting Guide

Impairment Guide

Prescription Drug Guide



  B- Rating Antidote

  Penn Treaty Compared to Other Products

  SR-400 Brochure (Primary impaired risk policy)

  IL5 Brochure

  PF3 Tax Qualified Brochure

  PF3 Non Qualified Brochure

 

Penn Treaty offers a number of long term care policies, but their pecialiatly is impaired risk long term care. They offer quick answers to potential problem cases and issue a high percentage of cases within their initial underwriting estimate.

Click here for a LTC Impaired Risk Underwriting Questionnaire or visit our impaired risk web - Trial Scan.