There’s no need to walk away from a sale just because a prospective client doesn’t qualify for LTCi or doesn’t want to pay for coverage they feel they may never use.
We encourage you to offer these people a Mutual of Omaha Critical Illness policy. Covered conditions include cancer, stroke and Alzheimer’s disease — many of the same conditions that lead people to need long-term care services.
Mutual of Omaha’s CI includes a built-in return of premium benefit, lifetime coverage issued up to age 64, and no reduction in benefits at age 65. Best of all, benefits are paid directly to policyholders to use however they choose.