According to the American Heart Association: Every 40 seconds someone in the U.S. has a stroke Strokes are the leading cause of serious long-term disability in the U.S. The good news is more people are also surviving strokes than ever before. The Critical Advantage Portfolio you can help your clients: ✓ Replace lost income ✓ Pay health insurance deductibles and co-pays ✓ Keep up with ongoing living expenses like groceries and house payments Take this opportunity to talk to your clients about the costs a stroke can have on them and their family. For more information on the products in
Read More

Recently we have been working on improving the Critical Advantage application. Starting on July 16, here are the improvements made to both the paper and e-application. The changes will also be reflected in the updated underwriting guide. 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
Read More

Nearly everyone knows someone who has been affected by cancer or heart disease. And people who are 65 and older have a higher risk of contracting these conditions. Mutual of Omaha’s Critical Advantage Portfolio includes Cancer, and Heart Attack and Stroke policies. These policies have a lifetime coverage option that can be issued up to age 89. Benefits are paid upon first diagnosis of any covered condition and are paid directly to your client. Explain to your Med Supp clients how a Cancer and/or Heart Attack and Stroke policy will be a great compliment to their existing coverage. For more
Read More

Almost everyone knows someone who has been diagnosed with one of the illnesses covered under the Critical Advantage portfolio, which makes it a great addition to your clients existing coverage. All of the products in the portfolio pay a lump-sum benefit upon diagnosis of a covered condition, and the check is sent directly to the policyholder, not the healthcare provider. This money can be used anyway they choose such as replacing lost income, travel expenses and ongoing living expenses. The Critical Advantage portfolio overview gives you information on all products in the portfolio, and a side-by-side comparison so you can
Read More

With a Critical Advantage policy, your clients get coverage that pays a lump-sum benefit upon diagnosis of a covered condition. It also offers two underwriting programs to give your clients the benefits they need faster. It also means you get paid faster. Express underwriting for Critical Advantage covers benefit amounts of $10,000 to $50,000. It has simple yes/no knock-out questions to make applying easy and fast. Simplified underwriting is for benefit amounts from $51,000 to $100,000. Simplified underwriting also has simple yes/no knock-out questions in addition to a MIB, Pharmaceutical inquiry and possible telephone interview. No matter which program you
Read More