The DI tele-app facilitates a faster application process, you don’t have to ask medical questions, and reduces the need for call-backs to your customers by allowing our trained nurses to gather your clients’ medical information. Advantages of the DI Tele-app Simplifies the sales process for both the agent and the client Don’t have to ask awkward medical questions Quicker issue time Fewer attending physician statements Client answers medical questions only once by a trained nurse regarding activities, health habits, occupation(s), and medical history Materials Available Next Steps brochure If you have any questions, please contact Mutual of Omaha’s Sales Support
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Tax Advantages of Disability Income Insurance
The taxation of disability income insurance is straightforward – especially in individual cases. However, surprises can occur if policies are set up incorrectly as unexpected taxation of a benefit reduces available funds at precisely the wrong time. Individual DI In terms of taxes, individual DI is rather clear cut. Premiums paid by individual policyholders are non-deductible as they are not considered an eligible medical expense on Schedule A. Also, benefits are not included as income and therefore not taxable. Employer-Paid DI In disability income cases where a business entity is involved, the tax implications are varied. Here are some common
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How to Use DI in the Business Setting
Several American workers are employed by small business owners who understand the hard work is what it takes to keep their doors open. But many small business owners fail to understand how difficult it would be to stay operational if the owner was disabled and couldn’t work. That’s where you come in. It’s your role to help them understand the consequences a disability could have on the business they’ve worked hard to make succeed. You may hear objections like “I don’t need to be there – my business runs itself” or “My employees would be able to keep things going
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Who Buys Disability Income Insurance from Mutual of Omaha?
Our disability income insurance is designed for the middle market, it’s the perfect product to boost your cross-selling efforts, help you gain referrals and build a more robust client base. DI completes your clients’ financial protection plan. Customers who buy disability income insurance from us are identified as: Having an income between $40,000-$150,000 30-50 year olds Risk adverse Having something to protect Recently married New parents Family oriented Homeowners Self-employed Business owners Single-parent families The best part about finding people to talk to about DI is that you don’t need to look far. Almost everyone you interact with daily fits
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Reminder: End of Year Pay Schedule
As the holiday season quickly approaches, it’s easy to forget important dates with all the hustle and bustle. Don’t forget to mark our end of year pay dates in your calendar. Mutual of Omaha and its affiliates (United of Omaha and United World) will be closed on the following days: Christmas: Wednesday, December 25, 2019 New Year’s Day: Wednesday, January 1, 2020 The past pay cutoff in 2019 for Life is December 30 and for Health is December 27. This is the last pay cycle to be paid in 2019. Life Cutoff Dates Holiday Date Holiday Observed Cutoff – New
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Critical Illness, Disability Income Insurance, Industry News, Life Insurance, Long-Term Care, Medicare Supp./Adv., and Mutual of Omaha (& Affiliates).
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Wrapping Up 2019: A Note from Steve Pike
A Note from Steve Pike It’s been a great year! Together, we’re fulfilling our shared mission to help people protect their families, their finances and their futures with long-term care insurance. Looking ahead to 2020, we remain committed to providing the products, services and support you and your agents need. Please accept our sincere thanks for the LTC business you placed with us in 2019. We look forward to helping you grow sales in the coming year. Have a safe and happy holiday season! Steve Pike National Sales Director – LTC, DI, CI #goldencareagent #mutualofomaha #stevepike #longtermcare
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Critical Illness, Disability Income Insurance, Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
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Email Submission for Paper Applications
Sending a fax can be time-consuming and frustrating, that’s why we are pleased to announce paper applications can now be submitted via email. This update is effective immediately and available for all Life products and Health products, excluding Medicare Supplement, Medicare Advantage, Prescription Drug Plans and Long Term Care. While this new capability will streamline the submission process there are some very important steps to follow in order to make sure applications are being submitted correctly and securely. Please ensure you follow this guide when submitting new business and additional requirements via email. Thank you for your business and if
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Critical Illness, Dental, Disability Income Insurance, Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).
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Real Win– Why Choose Mutual of Omaha for DI?
Planning for the Unexpected Margaret, a married 30-year-old female, lives in the Midwest. In her profession as a nurse practitioner she sees individuals becoming sick and injured daily and knows why having an income protection plan is important. Her employer does not currently offer any disability benefits to their employees, so she began to research individual coverage for herself. As a member of the medical field, she was aware of the statistics with disabilities among those in her profession and knew that this plan was important to have for her and her family should an unexpected life event happen. During
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Oklahoma Now a Pre-Appointment State
Effective November 1, 2019, the state of Oklahoma updated their state regulations to move Oklahoma to a pre-appointment state. This means that if you are writing business in the state of Oklahoma you will be required to have an effective appointment prior to taking an application. All producers currently in the Mutual of Omaha system with a Just-In-Time Oklahoma appointment will be placed in an effective status as of 11/1/2019. All future triggered appointments will be placed in an effective status to meet this regulation change. If you have questions, please contact Mutual of Omaha’s Producer Services Team at
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Thanksgiving Office Closing
Mutual of Omaha and its affiliates (United of Omaha and United World) will be closed on Thursday, Nov. 28, and Friday, Nov. 29, 2019, for the Thanksgiving holiday. Thanksgiving Office Closing #goldencareagent #mutualofomaha #thanksgiving
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