Carrier Updates

Self-Service tools for Aetna Medicare Brokers

Producer World offers several self-service tools agents can use to help clients. These mechanisms can assist members with ordering ID cards and submitting inquiries. Other time-saving options are also available.

Best Interest Standard Coming to New Hampshire

The NAIC Best Interest Standard was enacted in New Hampshire on February 16, 2024. There are two updates necessary to conduct business.

Required Training

  • Life insurance producers licensed on or after February 16, 2024, must complete an annuity training course that meets the newly adopted INS 305 requirements before selling annuity products.
  • Life insurance producers licensed before February 16, 2024, and who completed the annuity training course before January 1, 2024, will have until August 16, 2024, to complete the annuity training course, which meets the requirements of the newly adopted INS 305.
  • Life insurance producers who were licensed before February 16, 2024, and who completed the annuity training course that meets the requirements of the newly adopted INS 305 on or after January 1, 2024, will be deemed by the department to be compliant with the rule's new training requirements.

New Disclosure Form

  • A new state-required disclosure form is available to help agents describe the nature of their client relationships.

The Department of Insurance in New Hampshire granted carriers a 60-day grace period, between February 16 and April 17, 2024, to become compliant with the new requirements of the INS 305. During this time, the Department withheld enforcement action against carriers to allow carriers time to comply with the new requirements. Agents who have not completed the training within the allotted time will have their commissions withheld until training is complete. All producers on the application must complete the continuing education and product-specific training.

New Era Life Insurance Helps Insured with Easier EOB Management

Tracking medical bills and managing the associated paperwork can be daunting. To reduce the amount of paperwork received and to stay organized, New Era Life Insurance Companies now provide Episodic EOBs.

F&G’s Illustration Software Adds More Features

If you’re not already using F&G’s Illustration Software for your business, there has never been a better time to get acquainted with F&G and the software product that aligns with writing annuity business.

Check Out These New Carrier Updates!

Automated Underwriting at Mutual Trust: What to Expect

From Mutual Trust: "This Friday morning, Automated Underwriting and Risk Analysis (“AURA”) is launching at Mutual Trust for all states except California and Florida. AURA will automatically and seamlessly integrate with easy@pp. For a sneak peek of the enhancements you can expect to see throughout the process, click here.

The many benefits of AURA include:

  • Faster Paid Commissions – reduces the time between application submission and policy issue.
  • Increased Consistency – treatment of underwriting rules will be consistent for every case.
  • Technological Advancement – demonstrates our commitment to our goal of straight-through processing!

If you are not yet taking advantage of our easy@pp electronic application platform, a new application and associated underwriting questionnaires will be accessible through the Agent Website on Friday, March 8. We will not accept prior versions of the application after April 30, 2024. Producers who plan to complete the fillable applications must review important updates to the process here.

If you have any questions, contact Sales Development at (800) 323-7320, option 1, or email
This email address is being protected from spambots. You need JavaScript enabled to view it.."


Aetna Dental Coming to Montana on March 15!

Dental, Vision and Hearing Plus Insurance Plans!

From Aetna: "Sales materials are now available to download/order. Just go to the agent side of and click Products > Order Supplies.
You can start submitting applications through Aetna Quote & Enroll on Friday, March 15.

Because their senses are important to their overall health
Our Protection SeriesSM Dental, Vision and Hearing Plus insurance covers expenses such as routine exams, fillings, eyeglasses and hearing aids, so your client doesn't have to. The “Plus” plan covers a wide range of services including orthodontics and implants. It can help reduce or even eliminate your client's out-of-pocket costs for preventive care for their teeth, eyes and ears.
Plan features:
Issue ages 18-89
Choose $1,000 – $5,000 maximum benefit (in $500 increments) per person per policy year that covers dental, vision and hearing
Plan deductible=$100 per policy year per person
Coverage begins day one on all preventive, basic and major dental services
Freedom to choose any provider or get even better pricing if you go in-network"


New SureCare Short-Term Plans Coming Soon!

From Pivot Health: "Offer your clients more options for coverage with SureCare short-term medical plans! Short-term plans fill coverage gaps due to job transitions, bridging the gap to Medicare, or simply providing a temporary coverage solution. 
NEW SureCare Plan Features:

  • Unlimited doctor office visits - $40 Primary Care/Specialist
  • No emergency room copays
  • No hospital copays
  • Preventive annual exam $50 copay
  • Prostate, ovarian, mammograms and OB-GYN annual exams
  • Child immunizations paid at 100%
  • Physical, speech and occupational therapy,  mental/nervous pay up to $100 after deductible
  • All provider access without network restrictions available through reference-based pricing

Continue to serve your customers in need of temporary coverage. Our array of products can help you customize a plan that fits their needs and budget.
SureCare plans require additional contracting through Pan-American Life Insurance Company.
Start your contract now to offer these plans to your clients beginning on 3/28/24! 
Please note: E&O coverage is required to sell SureCare plans. 
Reach out to your agency contracting department or This email address is being protected from spambots. You need JavaScript enabled to view it. for questions. 
Have you heard? Pivot provides more than just STM, introducing access to a robust health product suite for clients in need of health insurance where STM is not available as well as innovative gap plans, Critical Illness and Accident plans to help mitigate out of pocket medical expenses. Ask me how you can gain access:
Robin Depenbrock | Vice President Sales & Marketing
Direct 727-788-4400
Email This email address is being protected from spambots. You need JavaScript enabled to view it."


Aetna Medicare Update: Now processing D-SNP enrollments

From Aetna: "As previously communicated, there has been a delay in verifying eligibility for D-SNP enrollments over the past few weeks, due to the Change Healthcare network outage. At this time, so we can proceed with processing D-SNP enrollments, we will be using another company to verify Medicaid eligibility. Here’s what you need to know.

Key points

  • Your previously submitted applications: All D-SNP enrollments submitted during the outage will go through an eligibility check. They will not be denied before eligibility is checked. 
  • Submitting verification documents: You no longer need to proactively submit eligibility verification documents to us after submitting new D-SNP enrollments. 
  • Update for Ohio, Nebraska, Mississippi: We’re now able to verify eligibility for all of our D-SNP states, including Ohio, Mississippi and Nebraska.
  • Requests for information (RFI): If new enrollees receive an RFI letter, they must still supply whatever documentation is requested.
  • Think Agent functionality: The Medicaid verification option isn’t available yet but we’re working to add it back as soon as possible.
  • ID cards: Member ID cards are generated and mailed after enrollments are processed.
  • Call the Broker Services Department for help: If there are any questions about eligibility, the line is open and able to be used. Please select prompt #7, though please be aware that long wait times are possible right now."

Sonder Health New Email Inbox!

From Sonder Health: "We have successfully launched a new enrollment email box totally dedicated to applications. This new email is to be used solely for the submission of new applications. A response will be sent for each application received once the application has successfully been entered for processing.

New Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Thank you,

Sonder Healthcare Plans"


Wellabe MyEnroller® updates happened this weekend!

From Wellabe: "You will now be required to provide the Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) for all new Final Expense and Health insurance applicants. This requirement will help streamline the application process by improving instant-decisioning and straight-through processing. 

Also, the voice authorization signature option will be going away at this time. When you’re submitting an application, you have the following signature options available for authorization:

    Sales presentation in-person
    Sign on a touch screen device
    Sales presentation via phone
    eSignature (emailed or texted documents to review)
    eSignature when applicant is not present"

New Era: New States Available for Specified Disease Plus

From New Era: "Important Note: Due to the availability of Specified Disease Plus in South Carolina and South Dakota, the current Specified Disease plan will no longer be available for sales in South Carolina and South Dakota beginning April 4, 2024.

We understand the critical role our Specified Disease plan plays in financially protecting our policyholders from common and expensive life-altering conditions.

That's why we've redesigned the plan, introducing Specified Disease Plus with more options for affordability and budgets.

We did this by offering...

    More deductible options
    More Calendar Year Maximum options 

PAL's Specified Disease Plus Plan is available for sales in:

Alabama - Arkansas - Florida - Georgia - Louisiana - Mississippi - Nebraska - Nevada - North Carolina - Oklahoma - South Carolina - South Dakota - Texas - West Virginia - Wisconsin - Wyoming"


New Medicare Supplement Charter in AR, AZ, GA, IN, MS, NM, NC & TX!

From Bankers Fidelity: "Bankers Fidelity is pleased to announce the launch of Atlantic Capital Life Assurance Company™. 
Medicare Supplement Insurance plans A, F, G, High Deductible G, K and N are currently available to write in Arkansas, Arizona, Georgia, Indiana, Mississippi,
New Mexico, North Carolina and Texas.
A new 7% Household Discount Rider is available for qualified individuals. For information on our new Roommate definition for Household Discount eligibility, login to our Agent Portal.
All applications, forms and brochures are available for download and online ordering in ADDS®. The eApp is also available for this product to help you get a quote and submit an application quickly and easily.
For more information on how to add ACLAC, click here."


New security feature on Aetna Quote & Enroll

From Aetna: "We have partnered with LexisNexis to validate basic demographic fields on ancillary applications (first name, last name, date of birth, Social Security Number, etc.). This feature was initially launched in August 2023 for our Final Expense applications.

Starting April 5, if LexisNexis is not able to validate the applicant's demographic information, you must upload proof of the applicant's identity in the Review and Signature section of E-Apps.

In addition to preventing fraud, this solution will ensure these basic fields are entered correctly before you submit the application, which should prevent delays in processing applications.

This feature is part of a series of practices we are implementing to reduce fraud and maintain the security and confidence of our agents, applicants, and policyholders.

Technology is playing a larger role in addressing fraud as we rely less on traditional methods, such as monitoring reports and retroactively investigating agents, and more on predictive modeling and vendor solutions. Fraud has a negative financial impact on consumers and agents, as well as increases costs for insurance companies.

By working to eliminate fraudulent applications and deceitful agent practices, we can ensure the security of our policyholders, the trust of your clients, and the protection of the insurance industry for the future.

Required training for agents selling Final Expense   

In order to sell our Final Expense whole life insurance plans, you are required to submit a certificate showing that you’ve completed Anti-Money Laundering (AML) Training. 

Starting April 5, if you haven’t submitted proof of your AML training and you try to enter a Final Expense application on Aetna Quote & Enroll, you will receive an alert. 

This message will remind you that you are required to submit your Anti-Money Laundering Training certificate in order to sell Final Expense insurance plans. 

For now, you can click OK on the alert to close this message and continue to enter your application details. In the near future, your AML course completion will be mandatory in order to submit Final Expense applications on Aetna Quote & Enroll.

How to submit your Anti-Money Laundering proof of completion

Save your document as a PDF file

Make sure you’ve saved your proof of completion document or certificate as a PDF file, including your agent writing number and the date of the certificate. 

Use this naming format: YourAgentWritingNumber_AML_cert_MMDDYY.pdf

Example: GNW9999999_AML_cert_011223.pdf

The PDF file size must be less than 2MB. If your PDF file size is greater than 2MB, you’ll need to reduce the file size before uploading it. If you’re using Adobe, go to File, then choose either Compress PDF or Reduce File Size. If you’re converting a Word document to a PDF, in the Save As menu, select “Minimum Size” option under the Save As Type section. 

If you need help reducing the file size of your certificate, you can call Agent Services at 866-272-6630 or email This email address is being protected from spambots. You need JavaScript enabled to view it. 
Note: Agent Services is not able to submit this certificate on your behalf.

Upload your training completion document

Go to the agent side of, select the Training tab, then click Agent/Agency Training. Enter the required information, including the training vendor and completion date. The expiration date will be auto-filled. Then, upload your PDF of the training certificate by choosing Drag & Drop or Browse. Check the Acknowledgement box, then click Submit to complete the process."

Washington Autopay Issue for March Payment

From Molina Healthcare: "Dear Brokers, We wanted to bring to your attention an issue with AutoPay for the March premium cycle. Due to a system error, WA Marketplace members were not drafted during the February autopay cycle for March premiums. We are working closely with our vendor to resolve this matter swiftly. We will run an off-cycle autopay in the coming days. Members DO NOT need to take action at this time: • Impacted members will receive a communication. • Members that had a financial change will receive a draft notice prior to any off- cycle autopay draft. • Members may make a one-time payment by visiting We apologize for any inconvenience this may cause and appreciate your understanding and cooperation. Thank you for your continued partnership and support.

Questions? Please contact the Molina Marketplace Broker Support Unit at:

Phone: (855) 885-3179 - This email address is being protected from spambots. You need JavaScript enabled to view it. - Hours of Operation: Monday - Friday 6:00 AM - 6:00 PM (MST)"


Hospital Indemnity Flex guaranteed acceptance coming to PA

From Aetna: "We will offer guaranteed acceptance to qualifying applicants for our Protection SeriesSM Hospital Indemnity Flex plans in Pennsylvania starting April 5. This addition brings our total to 39 states where guaranteed acceptance is available for this product.

Who qualifies for guaranteed acceptance?

Applicants qualify for Guaranteed Acceptance if they apply for coverage anytime during the month in which they turn 64 and through the month in which they will turn age 68. 

That means no health questions, medication or physician information will be required for this age group.*

The application signature date is used to determine qualification.

*Unless applying for the Lump Sum Cancer Rider. Section 3, question 10 is required for all applicants who select the Lump Sum Cancer Rider.
View complete details

We've updated our application and sales materials - You can now order updated Hospital Indemnity Flex sales kits, which include the new application."

American Benefit Life is The Primary Medicare Supplement as of April 1, 2024!

American Benefit Life is The Primary Medicare Supplement as of April 1, 2024!

Liberty Bankers Insurance Group (LBIG) thanks you for being a part of the Liberty Bankers Insurance Group family. In order to provide their agents with their most competitive offerings, Capitol Life Insurance Company's products will be withdrawn from the market effective Monday, April 1, 2024. This strategic decision allows them to better serve the market with a single leading Medicare Supplement product.

Appointment Terminations
As a result of this change, your health appointment for Medicare Supplement with Capitol Life will be terminated within 30 days in all states. Due to this closure, you can no longer submit applications for the Capitol Life Medicare Supplement product.

Selling Opportunities Await with American Benefit Life

Although submitting business with Capitol Life is coming to an end, there are many opportunities that await for agents who sell Liberty Bankers Insurance Group's American Benefit Life (ABL) product. Medicare Supplement plans issued by ABL offer a 10% household discount, plus very competitive rates. View all of the states that ABL Medicare Supplement plans have to offer in the map below.

Important Commission Update

Capitol Life Insurance Company will continue to pay any of your vested renewal commissions. If applicable, your commission statements can be found at under MyLBIG Portal Med Sup Capitol Life.

If you have questions about these changes, please contact the Liberty Bankers sales team below.


About Liberty Bankers Insurance Group

Based in Dallas, Texas, Liberty Bankers Insurance Group (LBIG) is a nationally recognized and respected group of insurance companies that offers a variety of life, health, and wealth products. Rated A- Excellent by AM Best, LBIG is comprised of American Monumental Life Insurance Company, American Benefit Life Insurance Company, Capitol Life Insurance Company, and Liberty Bankers Life Insurance Company.


Main Office:
2401 Sardis Road North, Suite 110
Charlotte, NC 28227

Texas Office:
9441 Lyndon B. Johnson Fwy Suite 512
Dallas, TX 75243

Mississippi P&C Office:
180 Canal Place
Philadelphia, MS 39350

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