We announced improvements to the Critical Advantage application in July. Now the new app is approved in Massachusetts and Utah. Here are the advantages to the new app. Cancer application Changed the cancer look-back question from lifetime to 10 years Modified look back testing question from 5 to 3 years Only 3 health questions Heart attack and stroke application Changed the heart attack and stroke look back question from lifetime to 10 years Modified look back treatment/testing question from 5 to 3 years Loosened diabetes question Removed high blood pressure question Critical Illness application Changed the cancer look back question
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Living Promise Training Video
If you are a new agent or would just like to learn more about Living Promise (Final Expense) Whole Life Insurance, we’ve made it simple for you. We created this quick, informative video to teach you about the product features and some of the selling points of Living Promise. Or to view in a separate window, click here. If you have any questions, please contact your Mutual of Omaha’s Sales Support at (800) 693-6083 or email sales.support@mutualofomaha.com. Living Promise Training Video #goldencareagent #mutualofomaha
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LTC Inflation Protection Buy-Up Option
Your clients want to know the LTCi policy they purchase today will be enough to help pay for services they may need in the future. The Mutual Care Custom Solution policy includes an inflation protection buy-up option that allows clients to increase their inflation protection percentage once a year. This important feature also gives them the option to decrease their inflation percentage at any time. And any gains previously applied to the policy are theirs to keep. Offering a benefit with flexibility to meet your clients changing needs could be the competitive advantage you need to increase sales. For more
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The New LTC Rider is Now Approved in FL, HI and VA
On November 1, agents selling in Florida, Hawaii and Virginia will now have an additional option to help meet clients’ long-term care planning needs. The new Long-Term Care Rider will be available for you on our Income Advantage and Life Protection Advantage Indexed Universal Life (IUL) insurance policies. The LTC Rider provides: Benefits for Nursing Home, Assisted Living, Home Health Care and Adult Day Care Maximum total benefits up to 100% of the initial specified death benefit 1%, 2% or 4% monthly acceleration percentages One-time, 90 calendar-day elimination period Automatic issue of the Chronic Illness Rider if the client doesn’t
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Another Advantage of Traditional LTCi
We all know a traditional MutualCare Solutions policy can help with long-term care expenses. But, did you know it can give your clients tax advantages too? Current tax laws allow your clients to deduct either the actual or eligible premium paid for a tax-qualified LTCi policy. The eligible premium is determined by the Consumer Price Index and the age of the policyholder. And, since MutualCare Solutions policies are tax-qualified, benefits paid are intended to be tax-free as long as they do not exceed the greater of: Qualified LTC daily expenses The per-day limitation which is set each year by the
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Disability Insurance Made Easy
One objection you may get from clients on DI coverage is that the process is too complicated. Introduce these clients to Priority Income Protection®. Priority Income Protection® is DI made easy. It’s a straight forward product with no riders, occupation classes, medical exams or financial document needed. Coverage is usually issued in days and there is even an e-App you can use to get a quote and submit an app. You can see the other great advantages to PIP by clicking here. If you have any questions, please contact Mutual of Omaha’s Sales Support at (800) 693-6083 or sales.support@mutualofomaha.com.
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Critical Advantage Rate Decrease
Great news! Starting on 11/1/18, the rates for all products in the Critical Advantage℠ portfolio will be decreased by 20%. This means more affordability for your clients and more sales for you. Check out the rate difference between current and new rates. Age Current Monthly Rate New Monthly Rates Monthly Savings Yearly Savings 35 $22.81 $18.25 $4.56 $54.72 45 $38.09 $30.48 $7.61 $91.32 55 $59.69 $47.75 $11.94 $143.28 65 $86.69 $69.35 $17.34 $208.08 This example is a Cancer policy with a $30,000 benefit amount and lifetime coverage. All the products still have all the benefits your clients want just
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Simplified Issue Underwriting Updates
Effective Monday, October 15, 2018, we made some improvements to Simplified Issue Underwriting. Here’s what has changed. Mandatory Phone Interviews are no longer required for Term Life Express, issue ages 61-70 and Guaranteed Universal Life Express, issue ages, 61-65. In place of the mandatory phone interview, we will run an automated lab history check on these applications – there will not be extra work for you or your clients The Express Life Products Reference Guide has been updated and is ready to order via your normal ordering channels The maximum total combined coverage amounts for Term Life Express, Guaranteed Universal
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e-App Update | Advantage Plus Upgrade Now Available in 5 More States!
Now Available on the Portal & e-App! GTL’s Advantage Plus Hospital Indemnity Insurance upgrade for Arizona, Illinois, Louisiana, Mississippi, and New Mexico! Please update your Apple or Android device to see these added states. UPDATE APPLE DEVICES UPDATE ANDROID DEVICES ORDER NEW SUPPLIES e-App Update | Advantage Plus Upgrade Now Available in 5 More States! #goldencareagent #gtl #medsupp
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EssentialLTC Partnership Exchange Mailings in 7 States
With the recent Partnership policy approval in select states, we are happy to announce that the exchange of eligible National Guardian Life (NGL) EssentialLTC policies is scheduled to occur in the following seven states: Iowa New Hampshire Rhode Island Wisconsin Kansas Oklahoma Texas Exchanges of eligible EssentialLTC policies in these states is scheduled to begin October 17, 2018. Eligibility for Automatic Exchange to a Partnership Policy To be considered as eligible for an automatic exchange to a Partnership policy, the inforce EssentialLTC Long Term Care insurance policy would need to meet all of the following LTC Partnership eligibility requirements.
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