--- title: Capture Missed Multi-Life Opportunities description: Capture missed multi-life LTC opportunities. --- ## Planning Tips and Carrier News for Advisors - [The Advisor's View of Long-Term Care Planning](https://www.ltcipartners.com/blog) - [Planning Tips and Carrier News for Advisors](https://www.ltcipartners.com/carriernews) - [Consumer Planning Blog](https://www.ltcipartners.com/planning-for-long-term-care-in-america) - [Group LTC Benefits Blog](https://www.ltcipartners.com/group-ltc) - [On-demand webinar library](https://www.gotostage.com/channel/ltcipartners) - [The Advisor's View of Long-Term Care Planning](https://www.ltcipartners.com/blog) - [Planning Tips and Carrier News for Advisors](https://www.ltcipartners.com/carriernews) - [Consumer Planning Blog](https://www.ltcipartners.com/planning-for-long-term-care-in-america) - [Group LTC Benefits Blog](https://www.ltcipartners.com/group-ltc) - [On-demand webinar library](https://www.gotostage.com/channel/ltcipartners) [Jun 29, 2026 ### John Hancock in-force rate action for select states ](https://www.ltcipartners.com/carriernews/john-hancock-in-force-rate-action-for-select-states) ## Never miss any update Subscribe to the Planning Tips and Carrier News for Advisors newsletter today to receive updates on the latest news from our carriers. Your privacy is important to us. We have developed a [Privacy Policy](https://www.ltcipartners.com/ltci-partners-privacy-policy) that covers how we collect, use, disclose, transfer, and store your information.  Nov 13, 2015 • [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners) ## Capture Missed Multi-Life Opportunities - [Transamerica](https://www.ltcipartners.com/carriernews/topic/transamerica) - [Tweet](https://twitter.com/share) Transamerica Long Term Care News | ![newsletter_header_11122015.jpg](http://resources.transamericainsurance.com/rs/835-GAW-035/images/newsletter_header_11122015.jpg) | | --- | | ![](http://resources.transamericainsurance.com/rs/835-GAW-035/images/title09.jpg) | | --- | | ![icon01.jpg](http://resources.transamericainsurance.com/rs/835-GAW-035/images/icon01.jpg) |   | [Capture Missed Multi-life Opportunities](http://info.transamericainsurance.com/ol/j0hTd8fIKVxQsRpi-f2XMajgmifJeZmKvqh8CuL1xoJsiRAtP6GCahm32J5BDp02KK-TEgUZF80xhghRHr3FOpNOp6UbDki2BSv-lLPTbIYAc6Zy2M1k5oipzGMMutyQhlLJG1xAQ35hIhOUbeJx0W61acZlWhuT6Hqcc8Fl/j05YdcTJIllNoVcspLOLJ7riiifDf4vmr658B-Tn38os0Et_e-LcLVPuhtBUUpE9aKaMEk1IQMUs5y1vV7DGKc9J9_RaDlL9Vj7ok63fe5lLY4sijZAzrfj0jS4Vrtvdn1fYNlsBSyw_Vg2wRJUXszvBaYcwbQyM7y31Hr0IpCcGj5UU0IGTKOSho2WV3mPBv23aZwBIwtaf6VaXPJRgiYY4mmsWxXp2fNDv0hTAzb4CuXMSoMpSrC9tzsVFdu879EW8cRzkodzcCrtK) - It helps to understand what’s important to employers when talking to them about LTCi benefits for their employees. [>>>](http://info.transamericainsurance.com/ol/j0hTd8fOKVxQsRpi-f2XMajgmifJeZmKvqh8CuL1xoJsiRAtP6GCahm32J5BDp02KK-TEgUZF80xhghRHr3FOpNOp6UbDki2BSv-lLPTbIYAc6Zy2M1k5oipzGMMutyQhlLJG1xAQ35hIhOUbeJx0W61acZlWhuT6Hqcc8Fl/j05YdcTGL1lNoVcspLOLJ7riiifDf4vmr658B-Tn38os0Et_e-LcLVPuhtBUUpE9aKaMEk1IQMUs5y1vV7DGKc9J9_RaDlL9Vj7ok63fe5lLY4sijZAzrfj0jS4Vrtvdn1fYNlsBSyw_Vg2wRJUXszvBaYcwbQyM7y31Hr0IpCcGj5UU0IGTKOSho2WV3mPBv23aZwBIwtaf6VaXPJRgiYY4mmsWxXp2fNDv0hTAzb4CuXMSoMpSrC9tzsVFdu879EW8cRzkodzcCrtK) | | --- | --- | --- | |   |   | ![divider.jpg](http://resources.transamericainsurance.com/rs/835-GAW-035/images/divider.jpg) | | ![icon02.jpg](http://resources.transamericainsurance.com/rs/835-GAW-035/images/icon02.jpg) |   | [LTCi Sales Summit Videos Now Available](http://info.transamericainsurance.com/ol/j0hTd8fML1xQsRpi-f2XMajgmifJeZmKvqh8CuL1xoJsiRAtP6GCahm32J5BDp02KK-TEgUZF80xhghRHr3FOpNOp6UbDki2BSv-lLPTbIYAc6Zy2M1k5oipzGMMutyQhlLJG1xAQ35hIhOUbeJx0W61acZlWhuT6Hqcc8Fl/j0BScsPML1lNoVcspLOLJ7riiifDf4vmr658B-Tn38os0Et_e-LcLVPuhtBUUpE9aKaMEk1IQMUs5y1vV7DGKc9J9_RaDlL9Vj7ok63fe5lLY4sijZAzrfj0jS4Vrtvdn1fYNlsBSyw_Vg2wRJUXszvBaYcwbQyM7y31Hr0IpCcGj5UU0IGTKOSho2WV3mPBv23aZwBIwtaf6VaXPJRgiYY4mmsWxXp2fNDv0hTAzb4CuXMSoMpSrC9tzsVFdu879EW8cRzkodzcCrtKAbuznef2uPg6e0Mbv6Yn) - Videos of the 25 sessions from this year’s LTCi Sales Summit are now available for viewing at your convenience. [>>>](http://info.transamericainsurance.com/ol/j0hTd8fJL1xQsRpi-f2XMajgmifJeZmKvqh8CuL1xoJsiRAtP6GCahm32J5BDp02KK-TEgUZF80xhghRHr3FOpNOp6UbDki2BSv-lLPTbIYAc6Zy2M1k5oipzGMMutyQhlLJG1xAQ35hIhOUbeJx0W61acZlWhuT6Hqcc8Fl/j0BScsPNL1lNoVcspLOLJ7riiifDf4vmr658B-Tn38os0Et_e-LcLVPuhtBUUpE9aKaMEk1IQMUs5y1vV7DGKc9J9_RaDlL9Vj7ok63fe5lLY4sijZAzrfj0jS4Vrtvdn1fYNlsBSyw_Vg2wRJUXszvBaYcwbQyM7y31Hr0IpCcGj5UU0IGTKOSho2WV3mPBv23aZwBIwtaf6VaXPJRgiYY4mmsWxXp2fNDv0hTAzb4CuXMSoMpSrC9tzsVFdu879EW8cRzkodzcCrtKAbuznef2uPg6e0Mbv6Yn) | |   |   | ![](http://image.s4.exct.net/lib/fe9c15707062047d72/m/1/divider.jpg) | | ![icon02.jpg](http://resources.transamericainsurance.com/rs/835-GAW-035/images/icon02.jpg) |   | [IRS Increases 2016 Tax Deduction Limits For LTCi](http://info.transamericainsurance.com/ol/j0hTd8fLLFxQsRpi-f2XMajgmifJeZmKvqh8CuL1xoJsiRAtP6GCahm32J5BDp02KK-TEgUZF80xhghRHr3FOpNOp6UbDki2BSv-lLPTbIYAc6Zy2M1k5oipzGMMutyQhlLJG1xAQ35hIhOUbeJx0W61acZlWhuT6Hqcc8Fl/j0BTc8fOLllNoVcspLOLJ7riiifDf4vmr658B-Tn38os0Et_e-LcLVPuhtBUUpE9aKaMEk1IQMUs5y1vV7DGKc9J9_RaDlL9Vj7ok63fe5lLY4sijZAzrfj0jS4Vrtvdn1fYNlsBSyw_Vg2wRJUXszvBaYcwbQyM7y31Hr0IpCcGj5UU0IGTKOSho2WV3mPBv23aZwBIwtaf6VaXPJRgiYY4mmsWxXp2fNDv0hTAzb4CuXMSoMpSrC9tzsVFdu879EW8cRzkodzcCrtKAbuznef2uPg6e0MeubY,) - The tax deduction for Long Term Care insurance increases 2.5% over 2015 rates. [>>>](http://info.transamericainsurance.com/ol/j0hTd8fMKFxQsRpi-f2XMajgmifJeZmKvqh8CuL1xoJsiRAtP6GCahm32J5BDp02KK-TEgUZF80xhghRHr3FOpNOp6UbDki2BSv-lLPTbIYAc6Zy2M1k5oipzGMMutyQhlLJG1xAQ35hIhOUbeJx0W61acZlWhuT6Hqcc8Fl/j0BTc8fMLFlNoVcspLOLJ7riiifDf4vmr658B-Tn38os0Et_e-LcLVPuhtBUUpE9aKaMEk1IQMUs5y1vV7DGKc9J9_RaDlL9Vj7ok63fe5lLY4sijZAzrfj0jS4Vrtvdn1fYNlsBSyw_Vg2wRJUXszvBaYcwbQyM7y31Hr0IpCcGj5UU0IGTKOSho2WV3mPBv23aZwBIwtaf6VaXPJRgiYY4mmsWxXp2fNDv0hTAzb4CuXMSoMpSrC9tzsVFdu879EW8cRzkodzcCrtKAbuznef2uPg6e0MeubY,) | |   |   | ![divider.jpg](http://resources.transamericainsurance.com/rs/835-GAW-035/images/divider.jpg) | | ![icon04.jpg](http://resources.transamericainsurance.com/rs/835-GAW-035/images/icon04.jpg) |   | [End-of-Year Office Closings ](http://info.transamericainsurance.com/ol/j0hTd8fKL1xQsRpi-f2XMajgmifJeZmKvqh8CuL1xoJsiRAtP6GCahm32J5BDp02KK-TEgUZF80xhghRHr3FOpNOp6UbDki2BSv-lLPTbIYAc6Zy2M1k5oipzGMMutyQhlLJG1xAQ35hIhOUbeJx0W61acZlWhuT6Hqcc8Fl/j0BTd8DNL1lNoVcspLOLJ7riiifDf4vmr658B-Tn38os0Et_e-LcLVPuhtBUUpE9aKaMEk1IQMUs5y1vV7DGKc9J9_RaDlL9Vj7ok63fe5lLY4sijZAzrfj0jS4Vrtvdn1fYNlsBSyw_Vg2wRJUXszvBaYcwbQyM7y31Hr0IpCcGj5UU0IGTKOSho2WV3mPBv23aZwBIwtaf6VaXPJRgiYY4mmsWxXp2fNDv0hTAzb4CuXMSoMpSrC9tzsVFdu879EW8cRzkodzcCrtKAbuznef2uPg6e0MShYE,) - View our office hours schedule for the upcoming holidays. [>>>](http://info.transamericainsurance.com/ol/j0hTd8fGLFxQsRpi-f2XMajgmifJeZmKvqh8CuL1xoJsiRAtP6GCahm32J5BDp02KK-TEgUZF80xhghRHr3FOpNOp6UbDki2BSv-lLPTbIYAc6Zy2M1k5oipzGMMutyQhlLJG1xAQ35hIhOUbeJx0W61acZlWhuT6Hqcc8Fl/j0BTd8DNK1lNoVcspLOLJ7riiifDf4vmr658B-Tn38os0Et_e-LcLVPuhtBUUpE9aKaMEk1IQMUs5y1vV7DGKc9J9_RaDlL9Vj7ok63fe5lLY4sijZAzrfj0jS4Vrtvdn1fYNlsBSyw_Vg2wRJUXszvBaYcwbQyM7y31Hr0IpCcGj5UU0IGTKOSho2WV3mPBv23aZwBIwtaf6VaXPJRgiYY4mmsWxXp2fNDv0hTAzb4CuXMSoMpSrC9tzsVFdu879EW8cRzkodzcCrtKAbuznef2uPg6e0MShYE,) | |   |   | ![divider.jpg](http://resources.transamericainsurance.com/rs/835-GAW-035/images/divider.jpg) | | ![](http://resources.transamericainsurance.com/rs/835-GAW-035/images/title10.jpg) | | --- | | ![](http://resources.transamericainsurance.com/rs/835-GAW-035/images/icon05.jpg) |   | [Know the Sweet Spot: Tailored Benefit Increase 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Look](http://info.transamericainsurance.com/ol/j0hTd8fJIlxQsRpi-f2XMajgmifJeZmKvqh8CuL1xoJsiRAtP6GCahm32J5BDp02KK-TEgUZF80xhghRHr3FOpNOp6UbDki2BSv-lLPTbIYAc6Zy2M1k5oipzGMMutyQhlLJG1xAQ35hIhOUbeJx0W61acZlWhuT6Hqcc8Fl/j0BVecPNKFlNoVcspLOLJ7riiifDf4vmr658B-Tn38os0Et_e-LcLVPuhtBUUpE9aKaMEk1IQMUs5y1vV7DGKc9J9_RaDlL9Vj7ok63fe5lLY4sijJM4rfj0jS4Vrtvdn1fYNlsBSyw_Vg2wRJUXszvBaYcwbQyM7y31Hr0IpCcGj5UU0IGTKOSho2WV3mPBv23aZwBIwtaf6VaXPJRgiYY4mmsWxXp2fNDv0hTAzb4CuXMSoMpSrC9tzsVFdu879EW8cRzkodzcCrtKAbuznef2uPg6e0MWjIAgbw,,) [Reminder for Hawaii Policies ](http://info.transamericainsurance.com/ol/j0hTd8fLKVxQsRpi-f2XMajgmifJeZmKvqh8CuL1xoJsiRAtP6GCahm32J5BDp02KK-TEgUZF80xhghRHr3FOpNOp6UbDki2BSv-lLPTbIYAc6Zy2M1k5oipzGMMutyQhlLJG1xAQ35hIhOUbeJx0W61acZlWhuT6Hqcc8Fl/j0BZcsDPK1lNoVcspLOLJ7riiifDf4vmr658B-Tn38os0Et_e-LcLVPuhtBUUpE9aKaMEk1IQMUs5y1vV7DGKc9J9_RaDlL9Vj7ok63fe5lLY4sijJM4rfj0jS4Vrtvdn1fYNlsBSyw_Vg2wRJUXszvBaYcwbQyM7y31Hr0IpCcGj5UU0IGTKOSho2WV3mPBv23aZwBIwtaf6VaXPJRgiYY4mmsWxXp2fNDv0hTAzb4CuXMSoMpSrC9tzsVFdu879EW8cRzkodzcCrtKAbuznef2uPg6e0MFjogndWrUOw,,) [Annual Advertising Bulletin Now Available](http://info.transamericainsurance.com/ol/j0hTd8fJLlxQsRpi-f2XMajgmifJeZmKvqh8CuL1xoJsiRAtP6GCahm32J5BDp02KK-TEgUZF80xhghRHr3FOpNOp6UbDki2BSv-lLPTbIYAc6Zy2M1k5oipzGMMutyQhlLJG1xAQ35hIhOUbeJx0W61acZlWhuT6Hqcc8Fl/j0BXcM3ML1lNoVcspLOLJ7riiifDf4vmr658B-Tn38os0Et_e-LcLVPuhtBUUpE9aKaMEk1IQMUs5y1vV7DGKc9J9_RaDlL9Vj7ok63fe5lLY4sijJM4rfj0jS4Vrtvdn1fYNlsBSyw_Vg2wRJUXszvBaYcwbQyM7y31Hr0IpCcGj5UU0IGTKOSho2WV3mPBv23aZwBIwtaf6VaXPJRgiYY4mmsWxXp2fNDv0hTAzb4CuXMSoMpSrC9tzsVFdu879EW8cRzkodzcCrtKAbuznef2uPg6e0MWhYs7emI,) [LTCi in the News](http://info.transamericainsurance.com/ol/j0hTd8fIIlxQsRpi-f2XMajgmifJeZmKvqh8CuL1xoJsiRAtP6GCahm32J5BDp02KK-TEgUZF80xhghRHr3FOpNOp6UbDki2BSv-lLPTbIYAc6Zy2M1k5oipzGMMutyQhlLJG1xAQ35hIhOUbeJx0W61acZlWhuT6Hqcc8Fl/j0BSc8DNKVlNoVcspLOLJ7riiifDf4vmr658B-Tn38os0Et_e-LcLVPuhtBUUpE9aKaMEk1IQMUs5y1vV7DGKc9J9_RaDlL9Vj7ok63fe5lLY4sijJM4rfj0jS4Vrtvdn1fYNlsBSyw_Vg2wRJUXszvBaYcwbQyM7y31Hr0IpCcGj5UU0IGTKOSho2WV3mPBv23aZwBIwtaf6VaXPJRgiYY4mmsWxXp2fNDv0hTAzb4CuXMSoMpSrC9tzsVFdu879EW8cRzkodzcCrtKAbuznef2uPg6e0Mbv6Yn) | | --- | --- | --- | |   |   | ![](http://resources.transamericainsurance.com/rs/835-GAW-035/images/divider.jpg) | |   |   | Useful Links: [Agent Materials eKit,](http://info.transamericainsurance.com/ol/j0hTd8fOI1xQsRpi-f2XMajgmifJeZmKvqh8CuL1xoJsiRAtP6GCahm32J5BDp02KK-TEgUZF80xhghRHr3FOpNOp6UbDki2BSv-lLPTbIYAc6Zy2M1k5oipzGMMutyQhlLJG1xAQ35hIhOUbeJx0W61acZlWhuT6Hqcc8Fl/j0pWccLILVlNoVdlsbPWNbqjkDvFco2q9b9yBLjg3cM63FptPejCaUTmisNeQ585cdaKDglNQKJq7SFyLdeTWtlX6cdSAFTkbBDFq5nVYYdmYbJg5JQ26vCz7UsirY7axg-dPGkZRHJmTzaQY61xvRjNAr0JDwK340rgMoghuzhdrOgi87OYf4uNzCWGplCQ2Rq2MxQuwITIzg,,) [Agent Resource Center,](http://info.transamericainsurance.com/ol/j0hTd8fHK1xQsRpi-f2XMajgmifJeZmKvqh8CuL1xoJsiRAtP6GCahm32J5BDp02KK-TEgUZF80xhghRHr3FOpNOp6UbDki2BSv-lLPTbIYAc6Zy2M1k5oipzGMMutyQhlLJG1xAQ35hIhOUbeJx0W61acZlWhuT6Hqcc8Fl/j0pTcMLNLVlNoVdlsbPWNb760SHBdoyr9b9yBLjH4Oxx0Udzd6LFK0ewhdhFI4Y9brTNMwk9PrpW9wp-Q_eGTo9L76NpIHuZYDTxionKaZ52JONmhNdU1I-iizhR-Yy3tEvICkUlcHxmdlekTJUSqRe3MaA6biKA9XnmJdIKyQ4tpI4G7qucK5Xn7yWV2nzBqWaqcQJZ) [Forward Email to Friend](http://info.transamericainsurance.com/ol/j0hTd8fPLlxQsRpi-f2XMajgmifJeZmKvqh8CuL1xoJsiRAtP6GCahm32J5BDp02KK-TEgUZF80xhghRHr3FOpNOp6UbDki2BSv-lLPTbIYAc6Zy2M1k5oipzGMMutyQhlLJG1xAQ35hIhOUbeJx0W61acZlWhuT6Hqcc8Fl/j09RccbKKFlNoVcspLOLJ7riiifDf4vmr658B-Tn38os0Et_e-LcLVPuhtBUUpE9aKaXDwYVC95xyBwXH-2UdYwP__hcAk2FXTnpiaTNMItad-lnztRkuaWuzF8RpdbfwW7HJGIkd0ZqQl-Keo0vjyixBLsZdDuI9HHpJYEwpH1fkOUS47mMeuDsryDxwGLR6DaEH2Fw7tPK03mWPrRAy9YxpnAF718kWvCjymDh550Wqx4CwrpR3gg5w9NKJ4w7xFbaeg,,) Long Term Care insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, IA, and, in New York, Transamerica Financial Life Insurance Company, Harrison, NY. Products may vary by state. For Agent information only. Not for public distribution. TLC NWS 11122015 | | --- | --- | --- | | ![](http://resources.transamericainsurance.com/rs/835-GAW-035/images/newsletter_footer02.jpg) | | --- | ## Written by [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "LTCI Partners", "url" : "https://www.ltcipartners.com/carriernews/author/ltci-partners" }, "datePublished" : "2015-11-13T22:20:38.000Z", "headline" : "Capture Missed Multi-Life Opportunities", "mainEntityOfPage" : { "@id" : "https://www.ltcipartners.com/carriernews/capture-missed-multi-life-opportunities", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.ltcipartners.com/hs-fs/hub/405630/file-1004497223.png" }, "name" : "LTCI Partners, LLC" } } ```