GoldenCare is proud to offer a wide selection of Mutual of Omaha products and to feature Mutual of Omaha as our premiere Long-Term Care carrier.

A few of the featured highlights* include:

• Monthly Benefits from $1,500 to $10,000
• Initial Maximum Policy Limit of $50,000 to $500,000
• 0, 30, 60, 90, 180 or 365 Calendar Day Elimination Period
• Built-in, first-day Cash Benefit (at 25% of the HHC Benefit)
• Compound Inflation Options from 1% to 5% (in .25% increments with a built-in, Guaranteed Buy-Up Option)
• Inflation choices of Lifetime, 20 Years, 15 Years or 10 Years
• Option for 100% additional benefits for Professional Home Health Care
• Many other Built-In and Optional Benefits
• Industry-leading software illustration program

MutualCare Custom Solution gives you the benefit power and premium flexibility needed to make it a must for any agent’s LTCi portfolio.

• Monthly Benefits from $1,500 to $10,000
• Maximum Policy Limit Pool based on 24, 36, 48 or 60 Months
• 90, 180 or 365 Calendar Day Elimination Period
• Built-in, first-day Cash Benefit (at 25% of the HHC Benefit)
• Inflation Protection Options of 3%, 4% or 5% Compound Lifetime or 3% or 5% Compound for 20 Years
• Other Built-in & Optional Benefits
• Industry-leading software illustration program

While Maximum Benefit Amounts vary based on several different factors, this policy pays 100% of the Maximum Benefit Amount for the following conditions (see policy for exact details and definitions)*:

• Internal Cancer or Malignant Melanoma
• Heart Attack
• Stroke
• Alzheimer’s Disease
• Major Organ Transplant
• Blindness
• Paralysis
• Deafness
• Kidney Failure

Mutual’s Critical Illness Insurance pays 25% of the Maximum Benefit Amount for the following conditions (see policy for exact details and definitions)*:

• First-Ever Coronary Artery Bypass Surgery
• First-Ever Coronary Angioplasty

Other optional benefits are available in some states. If the policy/certificate or certain riders pay a portion of the maximum benefit amount, the maximum benefit amount and premium will be reduced accordingly.

Coverage is available as either Cancer only, Heart Attack & Stroke only, or as a full Cancer, Heart Attack & Stroke policy.  These conditions are covered at 100% of the benefit amount.  Policies with Heart Attack & Stroke coverage also include coverage at 25% of the benefit amount for coronary artery bypass surgery or coronary angioplasty surgery.

Here are some additional features and highlights (see policy for exact detail and definitions)*:

• Benefit Amounts for Express Underwriting: $10,000 – $50,000
• Benefit Amounts for Simplified Underwriting: $51,000 – $100,000
• Policy Terms of Lifetime (Issue Ages 18-89) or 10, 15, 20 or 30 Years (Issue Ages 18-54)
• Choice of Individual, Individual Plus Children, or Family Plans
• Intensive Care, Cash Value and Other Riders Available in Some States

Here are some additional features and highlights (see policy for exact detail and definitions)*:

• Issue Ages: 18 – 61
• Maximum Monthly Benefit: $300 – $20,000 in $100 increments
• Elimination Period options: 30, 60, 90, 180, 365 or 730 days
• Benefit Period options: 6 months; 1, 2, 5 or 10 years; or To-Ages 65, 67 or 70
• Non-Cancelable and Guaranteed Renewable
• Pays for Total, Presumptive Total & Recurrent Disability
• Built-In Waiver of Premium, Transplant Donor, Survivor Benefit, Rehabilitation Benefit and Military Suspension
• Earn up to a Maximum of 30% in premium discounts:
  • Common Employer (15%)
  • Self-Employed (15%)
  • Association Member (15%)
  • Two-Person Household (10%)
  • Multi-Policy (10%)
• Optional Benefits: Automatic Inrease Benefit (AIB), Future Insurability Option (FIO), Extended Regular or True Regular Occupation, Residual Disability or Enhanced Residual Disability, Return of Premium, Cash Value Benefit, Mental or Nervous and Substance Abuse Extension, Catastrophic Disability Benefit, Cost-of-Living Adjustment, Social Insurance Supplement

Here are some additional features and highlights (see policy for exact detail and definitions)*:

• Age Last Birthday Issue Ages of 45-85 (Level Benefit) or 45-80 (Graded Benefit)
• Face Amounts from $2,000 – $40,000 (Level) or $2,000 – $20,000 (Graded)
• Always Standard Underwriting Class (and NO Tobacco Distinction for Graded Benefit)
• Simplified underwriting means no medical exam — coverage is based on a few simple health questions
• Built-In Accelerated Death Benefit for Terminal Illness or Nursing Home Confinement Rider (Level Benefit Plan)
• Optional Accidental Death Benefit Rider (Level Benefit Plan)

Here are some additional features and highlights (see policy for exact detail and definitions — plus see highlight link below)*:

• Issue Ages 0 – 85  |  LTC Rider Issue Ages: 30 – 79
• $100,000 Minimum Initial Death Benefit
  — Level Death Benefit (Option 1)
  — Increasing Death Benefit (Option 2)
• Flexible Premium Payments with No-Lapse Protection
• Options to allocate values among three index interest crediting strategies
• Access to Cash Value through income-tax-free loans and withdrawals
• Rate Class for the LTC Rider determined separate from the life policy rate class: Preferred, Standard, Substandard Class 1 & Substandard Class 2

Here are some additional features and highlights (see policy for exact detail and definitions — plus see highlight link below)*:

• Issue Ages 0 – 85  |  LTC Rider Issue Ages: 30 – 79
• $100,000 Minimum Initial Death Benefit
  — Level Death Benefit (Option 1)
  — Increasing Death Benefit (Option 2)
• Flexible Premium Payments with No-Lapse Protection
• Options to allocate values among three index interest crediting strategies
• Access to Cash Value through income-tax-free loans and withdrawals
• Rate Class for the LTC Rider determined separate from the life policy rate class: Preferred, Standard, Substandard Class 1 & Substandard Class 2

Here are some additional features and highlights (see policy for exact detail and definitions)*:

• Age Last Birthday Issue Ages of 18-70
• Face Amounts from $50,000 – $500,000
• Guaranteed Issue underwriting means no worries
• Double benefits paid if death results from riding as a fare-paying passenger on a common carrier such as a boat, bus or airplane
• Auto/Pedestrian benefit pays an additional 25% if killed while driving or riding in a private automobile or if struck by an automobile on a public street or highway
• Guaranteed Renewable to age 80
• Optional (graded-percentage) Return of Premium Benefit Rider for ages 18-50

Here are some additional features and highlights (see policy for exact detail and definitions — plus see highlight link below)*:

• Age Last Birthday Issue Ages (vary by design)
• Face Amounts from $25,000 – $300,000 (Ages 18-50) or $25,000 – $250,000 (Ages 51-65)
• Simplified underwriting with Standard Non-Tobacco and Standard Tobacco
• Five-Year or Full Term Premium Guarantees (varies by design)
• Plans contain multiple built-in and optional riders to offer extra protection in case of disability, home damage, unemployment, accidental death, etc. (See Highlights link below)
• Allows for conversions to simplified issue permanent products
• Available on Mutual’s iGO e-App

Here are some additional features and highlights (see policy for exact detail and definitions — plus see highlight link below)*:

• Age Last Birthday Issue Ages (vary by design)
• Face Amounts from $100,000 – $1,000,000+
• Five non-tobacco and three tobacco underwriting classes
• Ability to insure applicants with significant health impairments due to 16 table ratings
• Full Term Premium Guarantees with options after
• Plans contain multiple built-in and optional riders to offer extra protection in case of disability, unemployment, accidental death, etc. (See Highlights link below)
• Allows for conversions to permanent products with no evidence of insurability

Check out these additional highlights:

• Rated A+ Superior by A.M. Best Company
• Servicing the Medicare Supplement market since 1966 – the same year Medicare began
• Household Discounts of up to 12%*
• No policy fee
• Anniversary rating
• Mobile Quote App, e-Application, and Paperless EOB statements
• Earn Marketing Credits – its as good as cash!

Check out these Plan Highlights:

Mutual of Omaha Rx Premier (PDP)
Enhanced Plan

• Low Monthly Premium
• $0 Deductibles (Tiers 1 and 2)
• $480 Deductibles (Tiers 3-5)
• $0 Preferred Generics co-pay (Tier 1) per 30- or 90-day supply at preferred pharmacies, or 90-day supply with home delivery
• $25 Preferred co-pay select insulin program
• Tighter formulary

Mutual of Omaha Rx Plus (PDP)
Basic Plan

• Broad prescription drug coverage
• $480 Deductible (All Tiers)
• $1 Preferred Generics co-pay (Tier 1) per 30-day supply at preferred pharmacies, $3 co-pay with home delivery of 90-day supply
• $3 Generics (Tier 2) per 30-day supply at preferred pharmacies
• Broad formulary