LTCI Partners

Next round of in-force rate action notifications to take place in late July In late July, we will begin policyholder notifications on the next round of John Hancock and Fortis (Union LTCI) policies impacted by the in-force rate actions, which will have an effective date beginning with anniversaries on or after November 1, 2026. The 2022 rate action notifications will include John Hancock LTCI individual policies originally issued in California, Delaware, New Mexico, Oklahoma and South Dakota. John Hancock will continue the implementation of the 2022 rate increase for John Hancock LTCI individual policyholders in Ohio who received an initial “capped” or “phased-in” increase. The 2022 rate action notifications will include Union LTCI individual policies originally issued in Oklahoma, Pennsylvania and South Dakota. Please note: To view your clients' notification packages through our e-Delivery program, visit www.jhsaleshub.com and register for access to your online documents. See complete details

HonestLTC Will be available in more states soon! Beginning July 10, HonestLTC will be available in Colorado, Illinois, Massachusetts, Rhode Island and Virginia, which brings our total state coverage up to 39! By adding these states into the mix, you can reach more clients in need of superior long-term care insurance solutions. Please submit any remaining applications in ClientConnect before the evening of July 9. Any application in ClientConnect that has not been fully submitted by will be removed from the system and no longer accessible on July 10. EssentialLTC applications may be written on paper or fillable PDFs and must be received in the home office by July 24. Note, policies in the state of Colorado will utilize unisex rates. Exchange Program To ensure a smooth product transition, NGL will offer a guaranteed exchange from EssentialLTC to HonestLTC. Here’s what you need to know: Exchange eligibility starts with applications dated May 1, 2025, or later in CO, IL, MA, RI and VA. Exchanges are available until Monday, August 10. No new underwriting required — hassle-free! New product premiums will be based on the insured’s age at time of exchange. Reference guides Become an HonestLTC expert by downloading our reference guides. Producer Guide Product Summary Underwriting Guide Consumer Guide You can also find HonestLTC in AK, AL, AR, AZ, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NM, NV, OH, OK, OR, PA, TN, TX, UT, VT, WA, WI, WV, and WY. Have questions about HonestLTC? Don’t hesitate to reach out.

LTC13 Pre-Rate Refresh Policies As communicated in February 2025, we began filing for rate increases on the LTC13 pre-rate refresh policies. While many states have reviewed and approved rate increases for these policies, there are a number of states that did not approve the increases as initially requested. Due to this, we will be submitting additional rate increase requests in those jurisdictions. As a reminder, LTC13 pre-rate refresh policies refer to the subset of in-force LTC13 policies issued prior to the rate refresh that began in 2020. The rate increases have been and continue to be requested to ensure the premiums policyholders are paying reflect the current and projected claims experience, which allows us to continue to meet policyholder needs and ensure the product remains financially sustainable for the company. What You Need to Know This involves adjusting existing premium rates to reflect current claims experience and anticipated future costs The adjusted premium rates for the LTC13 pre-rate refresh policies will be capped at a rate level that does not exceed rates on the currently marketed LTC13 product and are subject to state approval In jurisdictions where the full rate increase was approved as requested for the LTC13 pre-rate refresh product, the company does not currently have plans to request additional increases Why the Rate Increases are Necessary Higher Claims Incidence: More policyholders than anticipated are filing claims. Longer Claims Duration: Policyholders are remaining on claims longer than initially anticipated. Mortality and Lapse Experience: While mortality rates have improved, voluntary lapse rates are consistent with expectations and policyholder demographics have helped offset some adverse deviations. Our goal is to be transparent with policyholders about future rate increases and provide options for adjusting coverage or making other changes to ensure the product continues to meet their needs. Policyholder Communication & Support We will notify policyholders in advance about future rate changes, allowing them time to adjust their coverage as and if needed. Our Customer Service team is available to help producers and policyholders with options. Benefit decrease options will be based on the policyholders' existing contract. It is always advisable for policyholders to discuss their options with a producer or customer service representative to determine the best path forward. Mutual of Omaha remains committed to our policyholders, the long-term care insurance marketplace and continuing to offer competitive products with features and benefits to fit clients’ needs. We appreciate your support and partnership in communicating these important updates. If you have any questions or need additional information, please feel free to reach out to your sales director. Thank you for your continued commitment to providing excellent service to our mutual clients. Delphine Soucie VP of Brokerage Sales Health & Annuity Solutions

We remain committed to the LTC market. ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

We remain committed to the LTC market. ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

We remain committed to the LTC market. ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

On April 13, 2026, Nationwide is introducing Nationwide CareMatters® II to the state of New York, a linked-benefit solution with more features than the original Nationwide YourLife® CareMatters.