MoO: December 18th - Express - American Independent Marketing


	December 18, 2013

	Due to the holidays, this issue will be the last until the new year. You will continue receiving Express starting again on January 8, 2014. We wish you and your family a Happy Holiday and New Year.

	United World Delaware 2014 Materials Delaware marketing materials with 2014 copay and deductible information are now available. MADP Guidelines The Medicare Advantage Disenrollment Period (MADP) begins January 1, 2014. 2014 February Rate Adjustments Effective February 1, 2014, rate adjustments for Mutual Virginia 1990 Standardized plans and United of Omaha Plan N in Virginia. Part D Renewal Commission Certification Plan D renewal commission certification must be completed by December 31, 2013.

	New Application Packets in Colorado Please order new application packets TODAY! Only application packets with a revision date of 12/18/2013 or later, will be accepted after January 15, 2014. New Product & UW Guides on January 1, 2014 The Life Insurance Underwriting Guidelines and Product Portfolio will be updated on January 1, 2014.

	UPDATED: Long Term Care Underwriting and Processing Update As part of our commitment to keeping you informed, please see the updated and ongoing communication regarding your long term care business.

	DI: Portfolio Overview Remember to Keep it Going with DI. Our newly redesigned DI Portfolio Overview piece gives a great overview of our Disability Income Choice and Disability Income Choice at Work products.

	Critical Illness- Application Packet Updates See the updates to the Critical Illness application packets that will be effective January 1, 2014.

	New Ultra-Income Application Available in Colorado Please order new applications TODAY! Only the new application, LA9053_CO, will be accepted after January 15, 2014. Annuity Interest Rates – January Please update your Winflex software via internet updating or through Sales Professional Access (SPA) to obtain the most current rates.

	Alaska Continuing Education Credits Revised Effective January 1, 2014, Alaska continuing education credit requirements are being revised to comply with NAIC standards.

MoO: December 18th – Express