Life is full of unknowns. That’s why our Guaranteed Universal Life (GUL) product is designed to offer flexibility to deal with life’s changes whether big or small. What if your client no longer wants to pay premiums, but still wants to keep a death benefit? Did you know that your client has the option to stop paying his or her premiums and lower their death benefit amount while keeping their original guarantee duration? This reduced death benefit would then be guaranteed for the remainder of their guarantee period with no additional payments. Our ‘What If’ Illustration report highlights this flexibility
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Recently we discovered stand-alone medications were being included in the combination medication rules with our vendors. This mainly affected high blood pressure medications, such as Losartan and Lisinopril, as well as around the use of diuretics such as Furosemide. We have adjusted our prescription rules with our vendors to correct this issue. If you have any questions, please contact your Sales Director or Account Executive.   Life Insurance Prescription Rule Update   #goldencareagent #mutualofomaha >   Related: Life Insurance Prescription Rule Update Life Insurance Prescription Rule Update
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No doubt you have clients and prospects who need life insurance protection. Many people interested in life insurance also want the potential to grow-tax-deferred cash values they can access later for things like retirement, college tuition or emergencies. Our Income Advantage Indexed Universal Life Insurance is an attractive solution to cover those needs. It’s a great product for clients who want: Strong potential for cash value growth from our three indexed crediting strategies Permanent death benefit protection Low policy costs Flexibility for the future with our no-cost Guaranteed Refund Option, Accelerated Death Benefit and Lapse Guard riders Income-tax-free loans and
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Accelerated Underwriting for Term Life Answers® provides you and your clients with a fully underwritten decision in 48-72 hours. Best of all, there is NO paramed exam. Here are the basic program parameters for our Accelerated Underwriting program for TLA. Below you will see how the interview has changed and where the extra confirmation has been removed. Products: Term Life Answers (10-, 15-, 20-, 30- year) Risk Class: Standard, Standard Plus, Preferred, Preferred Plus Applications: Speed eTicket (Drop Ticket) Issue Ages: 18-55 Face Amounts: $100,000 – $1,000,000 For more information, this flyer outlines the process and program details. New to
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We are happy to announce we have removed a step in the Apptical point-of-sale interview. Effective immediately, we no longer confirm your customer’s information twice at the beginning of the interview. Below you will see how the interview has changed and where the extra confirmation has been removed. Old Process The Apptical representative asks the agent for the customer information, confirms the information with the agent, then the agent hands the phone over to the customer When the customer gets on the phone, the Apptical representative reconfirms the information with the customer New Process The Apptical representative asks the agent
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We are excited to announce a major enhancement to our payment system. Effective immediately, on all Life products, your clients’ initial premium payments will draft their bank accounts on the day they request it – not a few days later. The best part? There’s nothing for you to do. If your client picks the second Tuesday of each month – their payment will come out on the second Tuesday of each month. No new forms or applications for you to worry about. Also, don’t forget to let your clients know they have options when selecting the date their payment comes
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We have discovered stand-alone medications are being included in the combination medication rules with our vendors. This mainly affects high blood pressure medications, such as Losartan and Lisinopril, as well as around the use of diuretics such as Furosemide. We have identified changes needed and are in the process of adjusting our prescription rules with our vendors. We expect to have these corrections implemented by the end of April. Until then, we will review cases you do not feel should have been included in this medication change. If you have a case you feel needs further review, please contact your
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Outliving assets is a real threat as people are living longer. According to data compiled by the Society of Actuaries, a man reaching age 65 today has a 50% chance of living until age 86. A woman turning age 65 today, has a 50% chance of living until the age of 88. And those are just for those in average health. About one out of every four 65-year-olds today will live past age 90, and one out of 10 will live past age 95. Not knowing exactly how long they will live can make planning tricky for your clients. How
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