When your client has a medical condition, it does not necessarily mean they won’t be considered for Disability Income Insurance. Here are some common medical conditions that can still be covered. Alcohol and Drug Addiction — client may be considered five years post treatment, if there is no alcohol or drug use of any kind and has no arrests, additional treatment or related health conditions. Sleep Apnea — clients will be considered two years post diagnosis with well-controlled condition if they are following prescribed treatment or treatment is no longer needed. Weight Issue — ratings are based on our build
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Mobile Quotes Preference Features
On March 1, we updated the look of our Mobile Quoting tool – same easy-to-use app, but with a fresh new look. While you have more than likely seen the new look, you might not know about some of the app’s features that make it even easier for you to run quotes. Mobile Quotes Tips You have the ability to save your preferences within the app — making it even faster for you to quote the products you sell. You can select a default state and choose the order the products appear in the app. Once you set these preferences,
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Use the Priority Income Protection® e-App
If you want to get your Priority Income Protection business submitted quickly, try using the PIP e-App. Here is what you can expect: A fast quote tool so clients can choose the plan and premium to fit their budget It saves you time and ensures accuracy It conveniently includes all required forms Helpful definitions are provided wherever you see a question mark symbol An auto-save function retains all information as you complete sections A dashboard shows all your e-Apps in progress Provides quick-issue in days. Fast protection for clients, fast payments for you Additional information on the Priority Income Protection®
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New Extended Client Phone Interview Hours
At Mutual of Omaha, we always want to make it easy to do business with us. That’s why thanks to the success of Automated Underwriting for Living Promise e-Applications, we were able to reallocate resources and extend our underwriting client phone interview operating hours. The Client Interview team supports health history interviews for Life Express, Fully Underwritten Life, Priority Income Protection, Critical Advantage, and Fully Underwritten Disability Income products. (This team does not support the DI Tele-App process). Effective Monday, March 4, 2019 our client interview team, (800) 775-3000, will be open 1-hour longer Monday-Thursday and be open on Saturdays.
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Mobile Quotes Update
On March 1, 2019, we will be enhancing the look of Quotes for Sales Professionals, our mobile quoting tool. You can expect the same easy-to-use app, but with a fresh new look. The first time you open the app after the install on March 1, a message will pop up notifying you that a new update is available. The updated mobile app will only be compatible with the following operating systems: iPhone® – 10.0 and higher Android™ – 5.0 and higher Don’t have the new app? The Quotes for Sales Professionals mobile app is free and available on the Apple
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Expansion of Underwriting Client Interview Hours
We are happy to announce that effective Monday, March 4th, we are expanding our client interview hours. We are staying open an hour later during the week and adding Saturday hours! The Client Interview team supports health history interviews for the Life Express, Fully Underwritten Life, Priority Income Protection, Critical Advantage, and Fully Underwritten Disability Income products. (This team does not support the DI Tele-App process). Current operating times — Central time: Monday – Thursday: 8 a.m. – 7 p.m. Friday: 8 a.m. – 5 p.m. New operating times — Central time: Monday – Thursday: 8 a.m. – 8
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Priority Income Protection® – Affordable DI Coverage
If you have clients who think income protection is too expensive, introduce them to Priority Income Protection. Your clients can choose the benefit amount that fits their budget. Below shows monthly premiums for $1000 a month benefit for 12, 24 and 36 months. Issue Ages 18-24 25-29 30-34 35-39 40-44 45-49 50-54 55-61 12M $13.83 $15.16 $16.93 $19.17 $22.20 $26.92 $32.94 $41.65 25M $18.17 $20.10 $24.14 $28.46 $34.12 $42.62 $53.26 $68.52 36M $20.72 $24.33 $29.32 $35.53 $43.55 $55.32 $69.83 $90.39 Benefit Period Priority Income Protection is affordable off-the-job DI coverage designed for your middle-income clients. It can replace up
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Disaster Relief Notification Update: Federal Government Shutdown
Although the shutdown has ended, Mutual of Omaha is committed to working with your customers as they resolve any outstanding financial issues. Grace periods for affected customers are being extended until April 25, 2019. Delaware Only: A customer who is a resident of Delaware and was affected by the shutdown can contact us to place a hold on their policy, up to 90 days from the end of the shutdown on January 25, 2019. If you have any questions regarding this or any other Mutual of Omaha service, please reach out to our customer service team at 800-775-6000.
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Make DI Easy with the Tele-Application!
The DI teleapp facilitates a faster application process, limits asking 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 Teleapp Simplifies the sales process for both the agent and the client Don’t have to ask awkward medical questions Quicker issue time – can cut the underwriting process by a 1/3rd – meaning you get paid faster Fewer attending physician statements – over a 50% reduction in medical records being ordered Client answers medical questions only once by a trained nurse regarding activities, health
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Priority Income Protection® for Mortgage Protection
Ask your middle-income clients what their most significant purchase has been so far and most will say their house. Now ask them if they have a plan in place to continue mortgage payments if they have to miss work due to an accident or injury. 70% of Americans have less than $1,000 in a savings account. Some people may think they will figure things out if that time comes, but the reality is most people would not be able to take this big fluctuation in their income. Priority Income Protection is a great option for mortgage protection. It has an
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