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 can help. A Cancer and/or Heart Attack and Stroke policy has 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 complement to their existing coverage. For more
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Clients want options. Fortunately, the Critical Advantage portfolio gives your clients the option to convert from term to lifetime coverage. After the third year and through the 10th policy year, your clients can change their term policy to a lifetime policy without underwriting. This option is standard on all term policies, and there is no charge for converting (there may be a rate increase based on age). This gives your clients control of their policy in case their needs should ever change after purchase. To learn more about the benefits included in the Critical Advantage portfolio, click here. Critical Advantage:
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On June 1, 2017, Mutual of Omaha will be releasing the Critical Advantage portfolio in Virginia. Critical Advantage is critical illness, cancer, heart attack, and stroke insurance policies that provides a lump-sum benefit upon diagnosis. Features with Critical Advantage: Benefit amounts from $10,000-$100,000 payable upon diagnosis Issue ages of 18-89 for lifetime and 18-54 for term Individual, Individual plus child/children, or family coverage options Underwriting The Critical Advantage portfolio has the following underwriting criteria: Express Underwriting For benefit amounts $10,000 to $50,000 The application has simple “yes or no” knock-out health questions Simplified Underwriting For benefit amounts $51000 to $100,000
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