LTC Insurance Carrier and Product News

John Hancock LTCI Newslink, January 27, 2012

  

January 27, 2012   MARKETING NEWS   Revised "Before You Buy" from the CT Partnership available The CT Partnership has released the 2012 edition of "Before You Buy." This required consumer guide is available in the application booklet as well as to download as a separate document. Form: LTC-1067   Quarterback call recording now available Thank you to all who joined our Q1 2012 Quarterback call on Tuesday, January 24th. If you missed the call, our On Demand functionality enables you to listen to the call in its entirety. Just visit www.jhltc.com and click on the banner.   Introducing: the January edition of the 12 FOR 12 Campaign   The first installment of the 12 FOR 12 campaign is now available. This edition is focused on building a solid business plan for the year. Click here for more information.   COMPLIANCE NEWS   Updated Advertising Compliance Guide for Long-Term Care (LTC) Insurance now available The Advertising Compliance Guide for Long-Term Care (LTC) Insurance which was developed to assist producers in the creation of compliant advertisements for John Hancock long-term care insurance has been updated. The guide now includes information on the Interstate Insurance Compact and its impact on product and marketing material. It is currently available to download from www.jhltc.com.       www.jhltc.com archives Contact Us MGAs: 800-377-7311 JHFN: 888-604-7296 Broker/Dealers: 800-270-1700   For financial professional use only. Not for use with the public. Long-term care insurance is underwritten by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02117 (not licensed in New York) and in New York by John Hancock Life & Health Insurance Company, Boston, MA 02117. Copyright © 2012 John Hancock Life Insurance Company (U.S.A.) You may not modify, remove, or otherwise alter information contained in, or linked from this newsletter, nor include any new material items, or statements without the express written approval of John Hancock.

 

John Hancock LTCI 12 for 12, January 25, 2012

  

12 FOR 12 — Helping you build your LTC insurance business     Introducing the first installment of our 12 FOR 12 program — a year-long campaign focused on providing you with value-added ideas to help you develop your LTC insurance business.   The January edition highlights the importance of building a sound road map for success for the year. Have you developed your 2012 LTC insurance business plan? Click here for the January newsletter.   For more information, visit www.jhltc.com or contact your John Hancock LTC Representative.         For financial professional use only. Not for use with the public. Long-term care insurance is underwritten by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02117 (not licensed in New York) and in New York by John Hancock Life & Health Insurance Company, Boston, MA 02117.   Copyright © 2012 John Hancock Life Insurance Company (U.S.A.) You may not modify, remove, or otherwise alter information contained in, or linked from this newsletter, nor include any new material items, or statements without the express written approval of John Hancock.

Transamerica LTC News, January 25, 2012

Real Time Status of Oustanding Underwriting Evidence Tired of going from vendor website to vendor website to find out the status of your outstanding underwriting evidence?  Have you ever wondered why the collection of underwriting evidence seems to take so long?  We understand your time is precious, so we have developed a solution to put you in "the know."  Through our Agent Resource Center, you will have access to real time status of your outstanding underwriting evidence.  Under the Application Status tab, simply click on your pending application and review the information. If a link appears under the Requirement column, you can click on the link and it will show you the underwriting evidence status history for the application in real time. This information is directly from the underwriting group requesting information for your client. You will no longer need to contact the group directly. Transamerica LTC continues to make it easy for you to sell Long Term Care insurance and meet your clients' needs. With Real Time status of outstanding underwriting evidence you will be able to provide more efficient service to your clients during the application process. You can start reviewing real time status at the Agent Resource Center starting Friday, January 27th.   Memory Problem Grows Memory loss among the elderly is a huge problem that only looks to get worse. According to the Alzheimer's Association, after age 85, nearly half of all seniors will have some form of dementia1. The U. S. Congress Office of Technology Assessment estimates that as many as 6.8 million people in the United States have dementia, and at least 1.8 million of those are severely affected2. And Alzheimer's disease, the most common form of dementia, afflicts 5.4 million Americans1. As we live longer, more and more people are expected to develop problems. The Association also reports that by 2050, an estimated 16 million people will have Alzheimer's disease1. Alzheimer's disease is a progressive disease that damages nerve cells (neurons) in parts of the brain involved in memory, learning, language, and reasoning. In the early stages of Alzheimer's disease, patients may experience memory impairment, lapses of judgment, and subtle changes in personality. As the disorder progresses, memory and language problems worsen and patients begin to have difficulty performing activities of daily living. The disease usually begins slowly with mild memory loss and develops gradually into crippling brain damage with symptoms that can include paranoia.  Alzheimer's victims can live for eight to ten years after being diagnosed with the disease and sometimes for as long as twenty years3.  At this time there is no medication or treatment has been successful in reversing or stopping Alzheimer's, although medications are available that may help delay progression of some of the symptoms.  It remains perhaps the most difficult condition to come within a family setting. Expensive care A memory care building can improve the quality of life for its residents, but the cost can be high. Monthly charges range from about $4,500 to $7,0003 . The more care a resident needs, the higher the cost. The price also depends on the location of the building with upscale areas costing the most. As this problem grows, more and more seniors will need help. Some seniors are lucky enough to have Long Term Care insurance to help cover the cost. Make sure your clients understand their risks and the benefits they may receive with LTCi.     Tuesdays with Transamerica: February 14, 2012 - LTCi and Tax Implications         Click Here to Sign Up for Our next Tuesdays With Transamerica Webinar. TransCare® II is available in: AL, AK, AZ, AR, CO, CT, DC, DE, GA, ID, IL, IA, IN, KS, KY, LA, ME, MD, MA, MI, MN, MO, MS, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WV, WI, & WY. Partnership Policies Connecticut Partnership Indiana Partnership  DRA Partnership Program Update TransCare® II policies are certified for DRA Partnership in the following states: AL, AZ, AR, CO, GA, IA, ID, KS, KY, LA, MD, ME, MN, MO, MT, NC, ND, NE, NH, NJ, OH, OK, OR, PA, RI, SC, SD, TN, TX, WI, WV and WY. Prospective Agents Are you interested in selling Transamerica Long Term Care?  Find out more about the products available from Transamerica Long Term Care and become familiar with the TransQuote® Illustration System by visiting the Agent Resource Center. Our clear and easy prompts will give you access to quoting software, allow you to view our product materials, and show you licensing information for every state. 1Alzheimer's Association: www.alz.org. 2U. S. Congress Office of Technology Assessment: www.ninds.nih.gov. 3Hogan, Paul and Lori. Stages of Senior Care: Your Step-by-Step Guide to Making the Best Decisions. 2012.     Long Term Care insurance underwritten by Transamerica Life Insurance Company. Products may vary by state. For Agent information only. Not for public distribution.   Home Office Contact Information Transamerica Long Term Care 1900 L. Don Dodson Drive, Suite 300 Bedford, TX 76021 Phone: 866-478-5209 Fax: 817-285-3452 Email: LTCMkt@aegonusa.com

Mutual of Omaha Express, January 25, 2012

January 25, 2012 Set the standard with Term Life Answers. Our competitive TLA rates can give you an edge in the market place. View Details Insure your love is a six week, industry-wide awareness campaign coordinated by the LIFE Foundation, which also coordinates Life Insurance Awareness Month each September. Visit the LIFE Foundation's website to get a suite of marketing resources (flyers, videos, articles, etc.) designed to assist you in engaging your clients and prospects in discussions regarding their life insurance needs. insureyourlove.org When it comes to underwriting, we follow a responsibly aggressive approach and look closely at controlled impairments. Underwriting success story: Preferred tobacco user. View Details Wisconsin has approved the LTCi rate adjustment on in-force business. On April 1, 2012, we will begin implementation of the LTCi rate adjustment on in-force business in Wisconsin. For a complete list of approved states and additional information on the LTCi rate adjustment, visit the designated LTCi rate adjustment page on Sales Professional Access. LTC Page on SPA Don't forget the family. Here are five conversation starters that can help you make a family-focused sale. Sales Tip Medicare supplement e-App - Do you know who to call when there is a problem; how to give your client the best e-App experience? We have answers. Read More Mutual Medicare supplement California 1990 standardized plans: Rate adjustment effective May 1, 2012. View Details One customer's DI story: Check out Kerry Ann Katz's personal story and how disability income insurance has played an important role in her life (not available in NJ). Be sure you're sharing this emotional video with your clients. Watch Kerry Ann's Story February 2012 Fixed Annuities interest rates for United of Omaha and Companion Life Insurance Company. United, Companion 2012 pay schedule and office closings. View Details Avoid Billy: Keep your password in your head. Be on the lookout for Billy. You never know where he might show up. Watch this short vignette February telephone solicitation bans. View Details Mutual of Omaha Insurance Company | Mutual of Omaha Plaza | Omaha, NE 68175 Mutual of Omaha Affiliate Companies: United of Omaha Life Insurance Company, Companion Life Insurance Company, United World Life Insurance Company   For broker/consultants use only. Not intended for use by the general public.

Prudential LTCi News, January 23, 2012

 

 

Prudential LTCi News   January 23, 2012             LTC3SM Sales Temporarily Suspended in California    As you may know, Prudential Long-Term Care (LTC) is in the process of filing and seeking approval for refreshed rates on its LTC3SM product nationwide.   For the state of California, we've made a decision to temporarily suspend sales of LTC3 effective March 1, 2012, until such time that we receive approval from the California Department of Insurance (DOI) for our refreshed LTC3 rates and certain plan design adjustments. These adjustments, once approved by the state of California, include the removal of the Cash Alternative Benefit and 150% Home Care option.    Individual LTC3 Business Applications for the current version of the LTC3 product in California must be received in the Prudential Long-Term Care New Business area by Wednesday, February 29, 2012, to be considered for issuance. Individual applications received March 1, 2012, or later, will not be accepted.     Please note that this action does not affect in-force LTC3 policies in California; nor does it affect the availability of LTC products in any other state.    ESP and Affiliation LTC3 Cases For our Employer Sponsored Program (ESP), new cases approved in the state of California on or prior to Wednesday, February 29, 2012, will have 60 days* beginning on the open enrollment start date to submit LTC3 applications. Once the open enrollment period ends, applications will not be accepted for the State of California until such time as the refreshed rates and plan design updates become effective in the state.   New Affiliation cases approved prior to Wednesday, February 29, 2012, will have no more than 60 days* from the date of the Affiliation approval to submit LTC3 applications. After 60 days, applications will not be accepted for the state of California until such time as the refreshed rates and plan design updates become effective in the state. We regret taking this action but feel it is appropriate and an important part of responsibly managing our LTC business in light of our recent analysis showing significantly worse claims experience in California than elsewhere. We are working diligently with the state of California to obtain approval on our filing as quickly as possible.    Once we receive approval of our rate-refreshed LTC3 product and advertising filings by the California DOI, we will re-launch LTC3 in the state and will notify you through our regular field communications. While we are hopeful that this approval will come very soon, we have no way of estimating when the California DOI will approve this filing.   We appreciate your business and your patience as we await resolution of this matter in California.   If you have any questions, please contact your Prudential LTCi Regional Sales Manager.    * Please note that the 60-day period only applies to new ESP and affiliation cases that have not yet gone through the open enrollment period. New business on existing Affiliation and ESP cases will be subject to the March 1, 2012 effective date.       Click below to view previous issues of LTCi News.    November 3    November 17 November 23 December 2  December 8 December 15 December 22 January 5 January 12 January 19    www.pruxpress.com www.pru-ltc.com           For the education of brokers/producers Only. Not for use with the public. Long-Term Care insurance is issued by The Prudential Insurance Company of America, Newark, NJ.       Proud Supporter of                                                                                                          0217132-00001-00

John Hancock LTCI Newslink, January 20, 2012

  

January 20, 2012 2010 RATE ACTION NEWS   In-force rate action on certain policies in Hawaii, Iowa, Texas and Virginia as well as in previously announced states This is a reminder that we will begin policyholder notifications of in-force rate actions on certain John Hancock and Fortis LTC insurance individual policies in late February. Included in this round are states that were previously announced wherein the products have been converted to our new administration system. Read this article for state-specific details, implementation timelines and tools to help you through this process.   MARKETING NEWS   Reminder: Save the date for our LTC Quarterback Call on January 24th Mark your calendar to join us on Tuesday, January 24, 2012, from 2-2:30 p.m. EST, for the latest John Hancock LTC update. Please click here to register now. And, if for some reason you miss the call, our On Demand functionality will allow you to listen to the full recording at your convenience. Stay tuned for details in next week’s issue.   Reminder: Our "12 for 12" Campaign is on its way Our new "12 for 12" campaign is a monthly newsletter dedicated to helping you develop your LTC business and will kick-off next week. The campaign focuses on providing you with a value-added idea to help build your long–term care insurance business throughout 2012 and beyond. So, watch your email!   Reminder: John Hancock announces results of LTC knowledge survey John Hancock’s ongoing effort to understand the challenges facing Americans when it comes to long-term care (LTC) planning continues with the release of our 2011 LTC Consumer Survey. Conducted by a leading research company based in Washington, DC, the survey looked at a sample of 1,000 Americans between the ages of 21-75. Some of the more interesting findings include the following:                                       82% agreed that it is irresponsible not to plan for the cost of LTC needs, yet only 11% have a policy 62% cited LTC insurance as the best way to prepare for future LTC needs, but approximately one-third responded that they are less likely to purchase a policy due to the current economy.  For more information regarding results, please read the attached press release sent to the national media last week, along with a copy of our survey summary.   PARTNERSHIP NEWS   New consumer materials for Partnership now available in Compact States The following LTC Partnership Program materials are now available on www.jhltc.com to help you in your Partnership Prospecting efforts.   Reminder: Partnership benefit minimums for 2012 The 2012 minimum benefit levels are now available for Connecticut, Indiana and New York Partnerships.   www.jhltc.com archives Contact Us MGAs: 800-377-7311 JHFN: 888-604-7296 Broker/Dealers: 800-270-1700   For financial professional use only. Not for use with the public. Long-term care insurance is underwritten by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02117 (not licensed in New York) and in New York by John Hancock Life & Health Insurance Company, Boston, MA 02117.   Copyright © 2010 John Hancock Life Insurance Company (U.S.A.) You may not be modify, remove, or otherwise alter information contained in, or linked from this newsletter, nor include any new material items, or statements without the express written approval of John Hancock.

 

Transamerica LTC News, January 19, 2012

TransCare® - Enhanced with Shared Care is Available in CA We are excited to announce that TransCare® Enhanced with Shared Care is now available in California.  Your clients can now add this valuable benefit to their benefit choices.  You can view and order new Shared Care marketing material under the Order Supplies tab and the TransQuote® Illustration Software has been updated to include the Shared Care Benefit.  Be sure to update your software by downloading the newest version available on the Agent Resource Center. Please note: Old product rates will not be available after Monday, February 20 th. Individual applications on old rates should be signed and dated no later than, Monday, February 20th and applications must be received in-house no later than, Monday, March 5th. For worksites, all Service Group Requests (SGRs) for the old rates must be received by January 19th.  Enrollments for these cases must be complete within 90 days of the date that CA TransCare® Enhanced was made available, which was effectively January 19th .  So, enrollments for old rates in these states must be completed by April 20th.  For association groups, applications for policies issued under an association must be dated no later than February 20th and received in-house by March 5th. As always, visit the Agent Resource Center often to learn the latest developments at Transamerica Long Term Care.   TransCare® II Launches in South Dakota Starting today, you will be able to sell TransCare® II in South Dakota. TransCare® II provides you with a truly flexible, valuable product to put in the hands of your clients. You can now view and order new TransCare® II marketing material under the Order Supplies tab and the TransQuote® Illustration Software has been updated to include TransCare® II.  Be sure to update your software by downloading the newest version available on the Agent Resource Center. If you are in the middle of working with a client, and have been quoting TransCare® Enhanced, you still have time to submit those applications. Individual applications on old rates should be signed and dated no later than, Monday, February 20th and applications must be received in-house no later than, Monday, March 5th. For association groups, the applicable product will change in correspondence with what product is available on an individual basis. Applications for policies issued under an association must be dated no later than February 20th and received in-house by March 5th.  For worksites, all Service Group Requests (SGRs) for the old rates must be received by January 19, 2012.  Enrollments for these cases must be complete within 90 days of the date that TransCare® II was released in your state, which was effectively January 19th.  Therefore, enrollments must be completed by April 20, 2012.     Tuesdays with Transamerica: January 24, 2012 - Pension Protection Act and 1035 Exchanges     Click Here to Sign Up for Our next Tuesdays With Transamerica Webinar. TransCare® II is available in: AL, AK, AZ, AR, CO, CT, DC, DE, GA, ID, IL, IA, IN, KS, KY, LA, ME, MD, MA, MI, MN, MO, MS, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WV, WI, & WY. Partnership Policies Connecticut Partnership Indiana Partnership  DRA Partnership Program Update TransCare® II policies are certified for DRA Partnership in the following states: AL, AZ, AR, CO, GA, IA, ID, KS, KY, LA, MD, ME, MN, MO, MT, NC, ND, NE, NH, NJ, OH, OK, OR, PA, RI, SC, TN, TX, WI, WV and WY. Prospective Agents Are you interested in selling Transamerica Long Term Care?  Find out more about the products available from Transamerica Long Term Care and become familiar with the TransQuote® Illustration System by visiting the Agent Resource Center. Our clear and easy prompts will give you access to quoting software, allow you to view our product materials, and show you licensing information for every state. 1Neither Transamerica Life Insurance Company nor any of its insurance agents/producers or representatives give legal, tax, or accounting advice. Please consult your tax advisor for assistance.     Long Term Care insurance underwritten by Transamerica Life Insurance Company. Products may vary by state. For Agent information only. Not for public distribution.   Home Office Contact Information Transamerica Long Term Care 1900 L. Don Dodson Drive, Suite 300 Bedford, TX 76021 Phone: 866-478-5209 Fax: 817-285-3452 Email: LTCMkt@aegonusa.com

Mutual of Omaha Express, January 18, 2012

January 18, 2012 Setting the standard for Term Insurance: Term Life Answers. United Brochure, United Plan Highlights, Companion Brochure, Companion Plan Highlights Times change, needs change - don't leave your clients and prospects without adequate coverage. Using GUL Plus as part of a periodic review. View Details Children's Whole Life is an easy-to-apply-for policy that provides the foundation for your client's children's or grandchildren's future insurability. United Brochure, United Plan Highlights, Companion Brochure, Companion Plan Highlights Idaho, North Carolina and Tennessee have approved the LTCi rate adjustment on in-force business. On April 1, 2012, we will begin implementation of the LTCi rate adjustment on in-force business in Idaho, North Carolina (LT50 and NH50 only) and Tennessee. For a complete list of approved states and additional information on the LTCi rate adjustment, visit the designated LTCi rate adjustment page on Sales Professional Access. LTC Page on SPA New business rate adjustment on inflation riders. As we remain committed to the LTCi market, it's imperative that we monitor emerging industry trends and market activity and take appropriate action as deemed necessary. Therefore, due to the low interest rate environment, effective February 1, 2012, we're adjusting rates on all Mutual Care Plus and United LTCi Solutions inflation riders (including the FPO) on new business for states listed in this communication. As additional states approve the adjusted rates, you will be notified accordingly. View Details Ways to dial down premium to make LTCi more affordable for your clients. Situation: Your client understands the need for LTCi, but feels the premium is too costly. He/she wants the policy, but can't afford the premium. Learn more about what you can do to help your client. Sales Solution United of Omaha Tennessee outline update. Tennessee Department of Insurance approves removal of Plan N information on the Medicare supplement outline. View Details, Tennessee Outline Are you ready to go green? With Sales Professional Access (SPA) and an accurate email address you can be ready to enjoy less paper. View Details Don't forget about the DI business owner upgrade opportunity. Get your foot in the door with businesses by utilizing these business owner upgrades.. View Flyer Who is Billy? Billy symbolizes something that's all around us: danger to security of personal, customer and company information. To emphasize the security gaps that Billy wants to exploit, we'll be highlighting several of Billy's capers throughout the year. View Details   Mutual of Omaha Insurance Company | Mutual of Omaha Plaza | Omaha, NE 68175 Mutual of Omaha Affiliate Companies: United of Omaha Life Insurance Company, Companion Life Insurance Company, United World Life Insurance Company   For broker/consultants use only. Not intended for use by the general public.

John Hancock LTCI Newslink, January 13, 2012

  

January 13, 2012   MARKETING NEWS   John Hancock announces results of LTC knowledge survey John Hancock’s ongoing effort to understand the challenges facing Americans when it comes to long-term care (LTC) planning continues with the release of our 2011 LTC Consumer Survey. Conducted by a leading research company based in Washington, DC the survey included a sample of 1,000 Americans between the ages of 21-75. Some of the more interesting findings included that 82% agreed that it is irresponsible not to plan for the cost of long-term care, yet only 11% have a policy. 62% cited LTC insurance as the best way to prepare for future LTC needs, but approximately one-third responded that they are less likely to purchase a policy due to the current economy. For more information regarding results, please read the attached press release sent to the national media this week, along with a copy of our survey summary.   Save the date: LTC Quarterback Call on January 24th Mark your calendar to join us on Tuesday, January 24, 2012, from 2-2:30 p.m. EST, for the latest John Hancock LTC update. Please click here to register now.    Reminder: Our "12 for 12" Campaign is on its way Our new "12 for 12" campaign officially kicks-off soon. It is a monthly newsletter dedicated to helping you develop your LTC business throughout the entire year. Each month, the newsletter will focus on a distinct business idea to help you educate both new and existing clients about the importance of LTCI. So, keep an eye on your email!   COMMISSIONS NEWS   Issue with year end LTC commission statement An issue has been identified with John Hancock's year end LTC Commission statement dated 12/27/11. Please read this article for specific information.   PARTNERSHIP NEWS   Reminder: Partnership benefit minimums for 2012 The 2012 minimum benefit levels are now available for Connecticut, Indiana and New York Partnerships.   Mandatory LTC refresher training due in 2012 Together with our CE Provider, LTC Connection, you can have an instructor visit your organization for a private Partnership class — helping your producers complete the required training in their state. We offer the convenience of the 8-hour initial training and the 4-hour refresher training on the same day. For more information or to schedule a class, visit: www.jhpartnership.com   www.jhltc.com archives Contact Us MGAs: 800-377-7311 JHFN: 888-604-7296 Broker/Dealers: 800-270-1700   For financial professional use only. Not for use with the public. Long-term care insurance is underwritten by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02117 (not licensed in New York) and in New York by John Hancock Life & Health Insurance Company, Boston, MA 02117.  Copyright © 2010 John Hancock Life Insurance Company (U.S.A.) You may not be modify, remove, or otherwise alter information contained in, or linked from this newsletter, nor include any new material items, or statements without the express written approval of John Hancock.

 

Prudential LTCi News, January 12, 2012

 

 

Prudential LTCi News   January 12, 2012             Daily Medical Records' Status Now Available on LTC Producer Portal     Prudential Long-Term Care is pleased to announce that General Agents and producers can ascertain the status of medical records ordered on their LTC insurance cases in a more timely and accurate manner. We now receive a daily feed into the LTC Producer Portal from MediConnect, our medical records retrieval vendor, that results in more timely access to updated medical records information. You’ll never have to wait more than 24 hours to view current information. To view MediConnect status information: • Launch the LTC Producer Portal. • Enter the policy number. • Under Policy Requirements (located just below “General Policy information), click “View Policy Memos” and the most recent information appears on top. Please note that General Agents and producers also have the ability to log on to the MediConnect website. We continue to explore other service and process improvements, including a feed from LifePlans into the Producer Portal, so you’ll have the most up-to-date status of your clients’ telephone health interviews. If you need more information, please contact your Prudential LTC regional sales manager.     Replay LTC Teleconference January 12: LTC Kick-off Meeting     If you missed the January 12, 2012, teleconference hosted by Prudential Long-Term Care (LTC), we have arranged an opportunity for you to listen to a digitized replay of the call. Dial the number below to hear Prudential LTC National Sales Director, Roy Gosselin, provide updated information on Prudential LTC and the LTC industry in general. Topic:            2012 LTC Kick-Off Meeting         Dial-In:           (320) 365-3844 Access Code: 228887 Click here to view the presentation.       Click below to view previous issues of LTCi News.   November 3   November 17 November 23 December 2  December 8 December 15 December 22 January 5   www.pruxpress.com www.pru-ltc.com         For the education of brokers/producers Only. Not for use with the public. Long-Term Care insurance is issued by The Prudential Insurance Company of America, Newark, NJ.     Proud Supporter of                                                                                                          0216678-00001-00