When tax season arrives, your clients are likely thinking about the past year and the one ahead. But it’s also a good time to talk about the future and their tax situation when they retire. A properly-funded Income AdvantageSM IUL policy is a good way to help your clients plan ahead and minimize their tax risks in retirement. Our newly updated Tax Bracket Risks brochure for 2019 can help you explain the advantages of an IUL policy to your clients. If you have any questions, please contact Mutual of Omaha’s Sales Support at (800) 693-6083 or e-mail sales.support@mutualofomaha.com.   Tax
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Our Fit Underwriting Program is available on both fully underwritten term and permanent insurance. It’s a quick and easy test you can complete with every application to ensure your client receives the best table rating. Not sure what to look for? Here’s what a typical case that would qualify for our Fit Program looks like: Ages 18-75 Minimum face amount $100,000 Maximum face amount $5 million (total coverage in force and applied for per individual with United of Omaha Life Insurance Company) Nontobacco users Base Rating after normal credits of Table 4 or less If you have questions, please contact
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It’s pretty common to enter test cases in an e-App in order to familiarize yourself with the process, or to show a client how it will work. Please do not use the Automated Underwriting system for test cases. Consequences of doing this may include: Insurance activity recorded Underwriting reports pulled Duplicate applications recorded Our training videos feature chapters so you can go directly to the content you are looking for or watch the training video in its entirety.   If you have any questions, please contact your Mutual of Omaha’s Sales Support at (800) 693-6083 or email sales.support@mutualofomaha.com.   Automated
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We are pleased to announce that we no longer require illustrations on most Guaranteed Universal Life Express policies. Simply use our mobile quoting app to quote GULE to your client and complete the application. No Longer Requires An Illustration Policies with no-cost riders using monthly or annual payments. Requires An Illustration Policies with cost riders and making payments using anything other than monthly or annual payments. Policies with any payment structure other than guaranteed term periods offered on the mobile quoting tool (age 80, 85, 90, 95, 100, 120), such as short pay and dump in’s. If you have any
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The Guaranteed Refund Option rider is included with all qualifying Income Advantage IUL and Life Protection Advantage IUL policies at no additional cost. You may be wondering why clients even need a GRO rider, when most companies illustrate a projected 6 percent (or thereabouts) indexed interest crediting rate. Read the Guarantee Refund Option on IUL flyer to learn how the GRO rider can help provide Income Advantage IUL clients with an additional layer of protection – especially in an unpredictable market.   If you have any questions, please contact your Mutual of Omaha’s Sales Support at (800) 693-6083 or email
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If you sell Living Promise, make sure you watch our Automated Underwriting training videos. The videos walk you through step by step how to complete a Living Promise e-App. Plus, you can choose to watch the videos in their entirety or skip to the sections that pertain to you. If you are completing the e-App in person: https://www.brainshark.com/mutualofomaha/vu?pi=zJ9zqmkqxzkVyz0   If you are completing the e-App using email signatures: https://www.brainshark.com/mutualofomaha/vu?pi=zHHz4hsApzkVyz0   If you have any questions, please contact your Mutual of Omaha’s Sales Support at (800) 693-6083 or email sales.support@mutualofomaha.com.   Automated Underwriting Updates   #goldencareagent #mutualofomaha >   Related: Automated Underwriting
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You have worked with your client on determining their life insurance needs and the application is signed. Now, it’s time for underwriting. Underwriting is an important part of issuing a life insurance policy, but many times, it can also be a confusing time for your clients. That’s why we created the What Comes Next in the Application Process brochure. This client brochure is designed to be used with fully-underwritten life insurance business. It provides: An overview of the assessments that may be required Tips on preparing for each assessment An overview of the types of questions that may be asked
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Since we launched Automated Underwriting for Living Promise e-Applications in November, over 2,300 agents have used the instant decision tool and over 8,300 clients have experienced the benefits of our intuitive system. Overall, we have been very pleased with the deployment and the approval rates speak for themselves. During the past couple of weeks, 65% of applications submitted were instantly approved and 77% of the referred cases were approved after review. As with any new system, there are opportunities for improvements. We appreciate your constructive feedback and are working on enhancements to the system. We’d like to provide you with
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It’s tax season… are your clients ready? Get the 2019 Advanced Markets Tax Reference Guide — the key tax figures and limits for 2019 at your fingertips. The Advanced Markets Team is here to help! A key objective of our team is to provide training and support that focuses on our areas of expertise – estate planning, business planning, and retirement and distribution planning – and that can help you with your sales efforts. If you have a question about a concept, how our products work for a specific sales concept or if you just want to run an idea
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