Real Win– Why Choose Mutual of Omaha for DI?

Planning for the Unexpected
Margaret, a married 30-year-old female, lives in the Midwest. In her profession as a nurse practitioner she sees individuals becoming sick and injured daily and knows why having an income protection plan is important. Her employer does not currently offer any disability benefits to their employees, so she began to research individual coverage for herself.

As a member of the medical field, she was aware of the statistics with disabilities among those in her profession and knew that this plan was important to have for her and her family should an unexpected life event happen.

During the conversation with an insurance agent, she discussed the importance of having the following features and benefits in her plan:

  • An insurance carrier with excellent customer service
  • A policy that covered Long-term disabilities
  • A stable and competitively priced product that fit within her budget

The agent reviewed Mutual of Omaha’s DI Choice Long-term Disability product features, benefits and costs with Margaret and recommended she complete the purchase.

How We Won the Case
Margaret made the decision to purchase a DI Choice Long-Term Disability (LTD) policy, with Mutual of Omaha. Deciding factors included benefits to age 67 with a 90-day elimination period, guaranteed renewable premium and optional riders (cost of living, your occupation, future insurability and critical illness) compared favorably with her needs. Margaret did consider another carrier that offered a lower premium, but the premium increased every 5 years which would have cost her more money in her later years.

BONUS: This policy didn’t require a medical exam for a $3000 policy benefit.

If you have clients looking for flexible income protection coverage, consider Mutual of Omaha’s diverse DI product portfolio.
 

Real Win– Why Choose Mutual of Omaha for DI?
 

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