CBS Brokerage presents an easy-to-use interactive kit for financial professionals that highlights the CBS long term care carriers' company/industry information and current product materials, as well as provides you with CBS produced materials. Carriers include Forethought, Lincoln, Mass Mutual, Mutual of Omaha, National Guardian Life, Nationwide, OneAmerica, Securian, Thrivent, and Transamerica.
You can use the information inside this kit to help better understand the long term care insurance (LTCi) market and to help when discussing extended health care planning with your clients. For additional information or to submit a LTCi illustration request please reach out to CBS Brokerage at 763.450.1870.
Products and programs offered through CBS Brokerage are not approved for use in all states or for all accounts. Please check your approved carrier list before proceeding.
CBS Brokerage Materials
LTCi Quote Request Form - fillable form you can complete with your client and return to CBS to obtain a quote for traditional LTCi.
Linked Benefit Quote Request Form - fillable form you can complete with your client and return to CBS to obtain a quote for linked benefit / hybrid LTCi.
Medical History Form - fillable form you can complete with your client and send back to CBS to ensure the most accurate quote.
Starting the Conversation: Extended Care Planning - suggested talking points to help you begin the LTC discussion.
LTCi Coverage Waiver - fillable form you can complete with your client for record that LTCi was discussed / recommended.
Types of Long Term Care – snapshot of available settings for long term care. (client approved)
Agent’s Intro and Training Guide for LTCi – everything you need to know about selling LTCi with CBS.
Hybrids Have Their Advantages – one-page snapshot of the key features of each of the linked benefit products available through CBS.
Hybrid Annuities Have Their Advantages - one-page snapshot of the key features of each of the annuity linked benefit products available through CBS.
Effective Advisor Process for Leveraging LTCi for Your Clients - six-step planning strategy for advisors to effectively utilize hybrid LTCi.
Multi-Life At A Glance - a quick reference sheet for all of your multi-life LTC questions.
2024 Tax Advantages of LTC - guide to tax advantages and benefits of qualified LTCi in 2023
Lincoln
MoneyGuard® Solutions MGA Launchpad
MoneyGuard Fixed Advantage Brochure
MoneyGuard Fixed Advantage Fact Sheet
MoneyGuard II Client Brochure (CA)
What Care Costs by State(Sponsor Code = Lincoln)
Claims Documents:
Lincoln Concierge Care Coordination (Policy Holder)
Lincoln Concierge Care Coordination (Financial Professional)
Sales Ideas:
Our 0-day Elimination Period (Helps Save Clients Money)
Agent Case Study - Benefit Transfer Rider
That's MoneyGuard® Solutions Video on Lincoln's commitment to MoneyGuard for Financial Professionals
Lincoln MoneyGuard for Clients Video to prepare clients for their personal history information (PHI) interview (Client approved)
MassMutual
CareChoice One Client Brochure
CareChoice One Client Guide (NY use only)
CareChoice One Strategy Snapshot (All states except CA, HI, and NY)
CareChoice One Strategy Snapshot (Client use in NY only)
SignatureCare Pre-Qualification Checklist and Underwriting Guidelines
Underwriting Process Guide (Client Approved)
MassMutual NY Product Training Guide (How to access through RegEd)
Mutual of Omaha
2022 LTCi Tax Guide for Agents
2022 LTCi Tax Advantages for Business Owners
2022 LTCi Tax Advantages for Individuals (Client Approved)
MutualCare® Secure Solution Brochure
MutualCare® Secure Solution Brochure (CA)
MutualCare® Secure Solution Brochure (NY)
MutualCare® Custom Solution Brochure
MutualCare® Custom Solution Brochure (CA)
MutualCare® Custom Solution Brochure (NY)
Mutual of Omaha Long Term Care Partnership Program Overview & Training Requirements Guide
Cost of Long Term Care Brochure
Claims Documents:
Care Coordination Documents (Financial Professional Use Only and Consumer Approved together)
National Guardian Life
EssentialLTC Product Introduction Guide
EssentialLTC Worksite Process and Resources
Product Feature Availability by State
EssentialLTC Sales Idea PowerPoint
EssentialLTC Employer Brochure
EssentialLTC Consumer Brochure
EssentialLTC Consumer Presentation
Nationwide
NEW: CareMatters Together (Client approved)
CareMatters II Product Highlights
CareMatters II FAQ (client approved)
YourLife CareMatters Product Highlights (CA)
CareMatters I Client Guide (CA)
YourLife CareMatters Product Highlights (NY)
YourLife CareMatters Client Guide (NY)
YourLife CareMatters Interview Guide (NY)
CareMatters II Underwriting Process Guide
CareMatters II Tax Guide for Business Owners
Nationwide Life Product State Approval Grid
New York Regulation 187 and Life Product Training Requirements
CareMatters II State Approval Map
Sales Idea: The New Wealth Transfer
Claims Process:
Understanding LTC Claims at Nationwide (Financial Professional Use Only)
Benefits of the Caregiver Advocate Program (Client approved)
OneAmerica
Asset Care Return of Premium FOB
Asset Care Annuity Funding Whole Life FOB
Asset Care Outshines UL Asset-Based LTC
Asset Care Outshines UL Single Life
Joint Life Consumer Approved Deep Dive
Care Solutions Summary of Products
Sales Idea: Qualified Funds
Sales Idea: Return of Premium
Sales Idea: Your Clients Aren’t Average – Lifetime
Sales Idea: Use IRA Dollars to Fund Asset Care
Sales Idea: SECURE Act
Sales Idea: Repurpose Inherited IRA Funds
Sales Idea: Pay Less, Get More Flexible LTC
Asset Care Recurring Premium Rate Sheet
Asset Care: One-Liners & Handling Objections
OneAmerica 2022 Tax Guide for Individuals and Businesses
Income Tax Deductions for Tax-Qualified LTCi
OneAmerica Advanced Strategies Trusts and Asset Care Products
OneAmerica Advanced Strategies Asset-based LTC Tax Guide (for Individuals and Businesses)
OneAmerica Claims Process Consumer Infographic
OneAmerica Difference Brochure
Step by Step Guide to Receiving LTC (Client Approved)
Securian
SecureCare Application Process (Client approved)
Sales Idea Paying for Long Term Care: Which Asset Would You Choose? (Client Approved)
Sales Idea Tax-Advantaged Dollars for Long Term Care (Sole Proprietor, S Corp, and Partnership)
Sales Idea Tax-Advantaged Dollars for Long Term Care (Key Employee and C-corp)
Sales Idea Using Pre-Tax Dollars to Pay for Long Term Care (Health Savings Account)
Agent Presentation SecureCare Universal Life
Tax Reference Guide: Long Term Care Policies Offered as an Employee Benefit (Client Approved)
Claims Process:
SecureCare Care Management Program (Client Approved)
SecureCare Claims Process: How It Works (Client Approved)
Thrivent
Long Term Care Consumer Brochure
LTC Underwriting Process (Client Approved)
LTC Benefits and Optional Riders
Thrivent LTC Insurance (All states except AZ, CT, DC, DE, HI, IN, MT, ND, NJ, SD) (Client Approved)
Thrivent LTC Insurance (AZ, CT, DC, DE, HI, IN, MT, ND, NJ, SD) (Client Approved)
Thrivent LTC Insurance (FL) (Client Approved)
For Insurance Professional Use Only. Not intended for use in solicitation of sales to the public. Not intended to recommend the use of any product or strategy for any particular client or class of clients. For use with non-registered products only. Tellus operates under the license of Tellus Brokerage Connections, AR license #100107713. Products and programs offered through Tellus are not approved for use in all states. 0221 SOLC21-7232-C 0223 (Revised 05.20.22)