
GoldenCare’s Perfect Portfolio
We’ve hand-selected a few insurance plans we feel would contribute most and help make up your “perfect portfolio.”
The plans range from traditional long-term care insurance, high-risk LTCi alternatives, to near-guaranteed issue plans that fill gaps and offer a safety net for the very unhealthy. Our perfect portfolio plans can help you close more sales, save time, lessen underwriting headaches, make more money and — most importantly — help more people.
Look for the gold star ( ★ ) throughout the site, indicating the plan is part of our Perfect Portfolio.
Mutual of Omaha, traditional Long-Term Care Insurance
★ MutualCare® Custom Solution
With 45+ years of LTCi field expertise and some of the best minds in LTCi, GoldenCare helped design our premier Long-Term Care product, MutualCare Custom Solution.
For prospects without too many major health concerns, we feel that this traditional LTCi product — with its first-day cash benefits — is often the very best choice for protection.
Click to the left to review the brochure and product information.
MutualCare Custom Solution gives you the benefit power and premium flexibility needed to make it a must for any agent’s LTCi portfolio.
- Issue Ages: 30 – 79
- Monthly Benefits from $1,500 to $10,000
- Initial Maximum Policy Limit of $50,000 to $500,000
- 0, 30, 60, 90, 180 or 365 Calendar Day Elimination Period
- Built-in, first-day Cash Benefit (at 25% of the HHC Benefit)
- Compound Inflation Options from 1% to 5% (in .25% increments with a built-in, Guaranteed Buy-Up Option)
- Inflation choices of Lifetime, 20 Years, 15 Years or 10 Years
- Option for 200% coverage for Professional HHC
- Many other Built-In and Optional Benefits
- Industry-leading software illustration program
MutualCare Custom Solution gives you the benefit power and premium flexibility needed to make it a must for any agent’s LTCi portfolio.
*Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.
ManhattanLife, Short-Term Care Insurance
★ OmniFlex™ Short-Term Care
With ManhattanLife, we launched OmniFlex. This plan revolutionized the entire STC industry, prompting changes in other existing carriers’ plans.
The first to offer a Cash Benefit for informal care provided by family and friends, OmniFlex immediately turned heads. And its simplified two-tiered underwriting kept agents coming back time and time again.
Click to the left to review the brochure and product information.
- Issue Ages: 45 – 89
- Facility Daily Benefits from $50 to $400
- Benefit Period options: 90, 180, 270 or 360 Days
- 0, 20, 60, 90 Day Facility Elimination Period
- Lifetime Maximum Benefit Period: 2x Benefit Period
- Built-In Fast-50™ , a 1st-day Cash Benefit for paying a spouse, family or friends for their help.
- Built-In $300/Year Prescription Drug Benefit
- Built-In Restoration of Benefits
- Optional Home Health Care Benefit
- – HHC Daily Benefits from $50 to $300
- -0, 20, 60, 90 Day HHC Elimination Periods
- -90, 180, 270 or 360 Day Benefit Period options
- HHC Lifetime Maximum Benefit Period: 2x Benefit Period
- Optional 5% Simple Inflation Benefit
- Optional Hospital Indemnity Benefit
- – HI Daily Benefits from $50 to $300
- – 3, 6 or 20 Day HI Benefit Period
- – HI Lifetime Maximum Benefit Period: 180 Days
*Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.
Guarantee Trust Life (“GTL”), Critical Illness+
★ Critical Cash™
Like its predecessor, Critical Cash was primarily designed to help people who may not qualify for traditional LTCi. The plan has less than one page of health questions and pays cash benefits upon diagnosis of a covered critical illness such as Alzheimer’s disease, cancer, heart attacks, strokes, etc.
Click to the left to review the brochure and product information.
- Issue Ages of 18 – 84
- Up to $6,000/month coverage
- Three Plans — Comprehensive, Cancer Care Plus, Cardiac Care Plus (ALL include Alzheimer’s)
- Over 90% Issue Rate
- Three Main Knockout Questions:
- Past 10 years — list of approx. 25 MAJOR health conditions;
- Past 5 years — alcohol/drug issues or CURRENTLY confined to ALF or NH;
- Past 2 years — abnormal test results, awaiting test results, advised to have test/seek treatment but have not done so.
- Prescription Drug & MIB check — no automatic phone interview or APS check (seldom at UW’s discretion).
*Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.
Guarantee Trust Life (“GTL”), stand-alone Home Health Care Insurance
★ Short-Term Home Health Care
Three plans are available, offering different daily benefit amounts based upon the Plan selected.*
Click to the left to review the brochure and product information.
* Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.
- Issue Ages of 61-85
- Daily Maximum Benefits:
- Plan A: $150/day
- Plan B: $300/day
- Plan C: $450/day
- Maximum Benefit Period of 360 days
- Built-in Home Health Care Aide Benefit
- Built-in Prescription Drug Coverage
- Automatic Restoration of Benefits
- Additional Benefits to Choose From:
- Return of Premium death benefit rider*
- Accident & Sickness Hospitalization Rider
- Critical Accident Rider
- Ambulance Benefit Rider
- Dental/Vision Rider
*Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.
True Freedom Home Care Service Plans
★ Home Care Service Plans
With 1-Question field issue, no medical underwriting, and availability in all 50 states, these plans are an excellent alternative! Clients ineligible for health-underwritten insurance coverage? Feel confident that you can still provide a valuable solution!
Click to the left to review the brochure and product information.
- No Age Limit
- Platinum Plan:
- 10,000 Lifetime Membership Hours
- $5,700.00 Annually / $475.00 Monthly
- Gold Plan:
- 6,000 Lifetime Membership Hours
- $3,540.00 Annually / $295.00 Monthly
- Silver Plan:
- 3,000 Lifetime Membership Hours
- $2,100.00 Annually / $175.00 Monthly
- Bronze Plan:
- 1,500 Lifetime Membership Hours
- $1,140.00 Annually / $95.00 Monthly
- 1-Question Field Issue – No Medical Underwriting
- No Elimination Period
- Discount Savings Upon Enrollment:
- 5% Discount on an annual membership payment
- 10% Discount for Husband & Wife / Domestic Partners enrolling simultaneously
- 15% Discount on each ANNUAL membership enrollment for Husband & Wife / Domestic Partners enrolling simultaneously
- No ADL Requirement to use benefits
- No Claims Forms
*Availability & Benefits May Vary by State. For Agent Use Only — See Carrier Literature for Full Details.