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
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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
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You know the Critical Advantage Portfolio provides coverage for critical illness, cancer and heart attack and stroke. If you have a client who is only interested in cancer insurance, a new cancer-only consumer flyer is now available. The new flyer describes the details of the cancer policy and how it can help fill the gaps in your client’s current health coverage. It can also be a good complement to a disability income insurance policy. Plus the benefit amount is sent directly to your client, not a health care provider. The cancer-only flyer is now available to order through all standard
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There’s no need to walk away from a sale just because a prospective client doesn’t qualify for LTCi or doesn’t want to pay for coverage they feel they may never use. We encourage you to offer these people a Mutual of Omaha Critical Illness policy. Covered conditions include cancer, stroke and Alzheimer’s disease — many of the same conditions that lead people to need long-term care services. Mutual of Omaha’s CI includes a built-in return of premium benefit, lifetime coverage issued up to age 64, and no reduction in benefits at age 65. Best of all, benefits are paid directly
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Why should you sell the products in the Critical Advantage Portfolio to your clients? The numbers tell the story. Nearly 1.7 million new cases of cancer were diagnosed in 2016 27.6 million Americans have been diagnosed with heart disease Every 40 seconds someone in the U.S. has a stroke Nearly 5 million Americans have Alzheimer’s disease The products in the Critical Advantage Portfolio pay a lump-sum benefit upon diagnosis for all of these conditions and the money is sent directly to your client, not the health care provider. To learn more about the products in the Critical Advantage Portfolio, click
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