Tax season has a way of surfacing opportunities, now April is where planning turns into action.

Clients have just reviewed income, assets, liabilities, and often uncovered gaps or inefficiencies. This is your window to follow up while those insights are still fresh.

Advisor Focus:
Reconnect, prioritize, and implement.

New York has long been one of the most challenging states for long-term care planning.

That just changed.

With the approval of Nationwide CareMatters II in New York, advisors now have access to one of the most competitive and flexible hybrid LTC solutions, bringing national-level planning strategies into a historically restrictive market.

Why This Matters Right Now💡

April is all about turning tax conversations into action, and this approval couldn’t come at a better time.

Clients are:

Now you have a solution that fits the moment.

What Makes CareMatters II Different❤️

Nationwide CareMatters II is designed to solve one of the biggest client objections to LTC planning:

“What if I never use it?”

Key advantages:

Case in Point: Turning Idle Assets Into Protection📊

Client Profile:

Strategy:

Potential Outcome:

What Changed for the Client:

How to Start the Conversation🗣️

Tie it directly to tax season:

“After reviewing your taxes, we now have the ability to reposition a portion of your assets into a strategy that protects against long-term care, while still preserving value for your family. And we finally have a solution approved here in New York that makes this work efficiently.”

Ideal Client Profile🎯

Advisor Takeaway🚀

This isn’t just a product update, it’s a market unlock.

For the first time, you can bring a top-tier hybrid LTC solution into New York conversations without compromise.

And in a month focused on implementation…

👉 This is the solution that helps you close the gap between awareness and action.

Tax conversations naturally lead to deeper planning opportunities, but only if you circle back.

Key follow-up triggers:

Action Step:
Schedule short “Tax Debrief” meetings to translate observations into strategy.

Many clients are re-evaluating their retirement accounts after seeing their tax picture.

Where to look:

Planning angle:
Reposition IRA assets into solutions that provide:

For pre-retirees and retirees, April is an ideal time to move from “income planning” to actual income strategies.

Opportunities:

Positioning Tip:
Focus on income certainty rather than market speculation.

Nationwide CareMatters - 10 Minute Tuesday: CareMatters in NY Register Here 

Securian - The long-term care tax planning conversation your affluent clients need: Register Here

Mutual of Omaha - Securing a Legacy: Is Your Client’s Estate Plan Truly Protected? Webinar Replay

Mutual of Omaha's "Can You Afford Not To?" Consumer Flyer : Click Here

Hancock Talks' The next big thing coming to life insurance…Vitality Pro : Listen Here

Allianz - Estate Planning Strategies for High-net-worth Clients:  Register Here

Navigating Impairments with MMSD:

Underwriting Guide

Hodgkin Lymphoma Recap

Cardiomyopathy Recap

Register for the next sessions on Lupus May 13

GLP-1 June 10th

Chronic Kidney Disease July 8

April is Autism Awareness Month—and underwriting has come a long way.

An autism diagnosis is no longer an automatic decline. Today, many carriers focus on functional ability, independence, and overall stability, creating real opportunities for coverage.

The key? Prescreening.

A quick prescreen helps:

Advisor Tip:

Don’t lead with the diagnosis—lead with how the client functions day-to-day.

Start with a Prescreen

Click here to access our Autism Prescreen and connect with our underwriting team before submitting.

Bottom line: More cases are getting approved—if you start the right way.

Reach out to get a copy of our Autism Pre-screen one pager!

Long-term care premium increases are occurring across multiple carriers due to rising claims costs, not individual client factors.

What to know:

Advisor Action:

If you have questions or need support reviewing a case, the Policy Service team is here to help.

KAFL’s office has relocated!

359 N. Washington Street
Rochester, NY 14625

Please ensure all mail and deliveries are sent to this new location. If an in-person appointment is needed during the transition period, we kindly ask that you call ahead so we can best accommodate your visit.

Thank you for your cooperation as we complete this move.