---
title: Choosing an Effective Date for a LTC Policy
description: Here are some important rules to consider when helping your clients determine which long-term care insurance policy effective date is right for them.
---

## 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)

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Dec 30, 2015 • [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

## Choosing an Effective Date for a LTC Policy

- [Mutual of Omaha](https://www.ltcipartners.com/carriernews/topic/mutual-of-omaha)

- [Tweet](https://twitter.com/share)

Express: 2015 Year-end News and Updates

|   | Mutual of Omaha |
| --- | --- |
|   | 12/30/2015 |
|   | Express: 2015 Year-end News and Updates |
| Express - December 30, 2015   Express An Online Update for Mutual of Omaha's Brokerage Sales Partners.     December 30, 2015           LONG-TERM CARE   A Very Important Date Here are some important rules to consider when helping your clients determine which LTCi policy effective date is right for them.                         © 2015 Mutual of Omaha Insurance Company. All rights reserved. Mutual of Omaha Plaza  \|  Omaha, NE 68175 Mutual of Omaha Affiliate Companies: United of Omaha Life Insurance Company, Companion Life Insurance Company, United World Life Insurance Company, Omaha Insurance Company For producer use only. Not for use with the general public. E2000_123015 |  |

## Written by [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

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