Disability Income Real Life Story

Vicki was a customer service representative for a company for 10 years, until suddenly a car accident changed her life, career, and most importantly her ability to earn an income. Read the remainder of Vicki’s story here: https://disabilitycanhappen.org/vicki/   Disability Income Real Life Story   #goldencareagent #mutualofomaha
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Categories: Disability Income Insurance, Industry News, and Mutual of Omaha (& Affiliates).

Know the Basics of DI Underwriting

When you are helping clients think about income protection, you should make sure you have theses three essential pieces of information to share with underwriting. Occupation — You need to know your client’s occupation to help underwriters know the level of risk associated with the job Medical History — Knowing your client’s medical history can help underwriters make accurate and quick decisions Income — Your client’s income is the primary factor in determining the right maximum benefit amount To learn more, view the underwriting basics flyer.   Know the Basics of DI Underwriting   #goldencareagent #mutualofomaha
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Categories: Disability Income Insurance, Industry News, and Mutual of Omaha (& Affiliates).

The Risk is Real

While most people don’t think twice about purchasing auto, homeowners’ or even life insurance, they often fail to realize that their most valuable asset is their ability to earn an income. Suffering a disability for any length of time because of a sickness or injury could have devastating financial consequences for clients. Here are some insights into how real the risks are: At least 51 million working adults in the United States are without disability insurance other than the basic coverage available through Social Security. Only 48 percent of American adults indicate they have enough savings to cover three months
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Categories: Disability Income Insurance, Industry News, and Mutual of Omaha (& Affiliates).

Basics of DI Underwriting

Unfortunately, many Americans are totally unprepared for the financial hit that a sickness or injury can bring. If your clients don’t have disability income insurance, then their financial portfolio may be at risk. When you are helping clients think about income protection you need to understand how eligibility is determined by your client’s occupation, medical history and income. View Know the Basics flyer.   Basics of DI Underwriting   #goldencareagent #mutualofomaha
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Categories: Disability Income Insurance, Industry News, and Mutual of Omaha (& Affiliates).

DI Training Webinars

As a financial professional, you’ve likely seen how much income protection helps when someone needs it the most. Disability Insurance Awareness is a great time to learn about income protection and for you to talk to your clients about how disability income insurance can protect their lifestyle, their assets and most importantly, their family. We’re hosting a series of training webinars this month, so put the webinars on your calendar today. To join simply click “join now” on the webinar schedule, no registration needed. View DIAM webinar schedule.   DI Training Webinars   #goldencareagent #mutualofomaha
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Categories: Disability Income Insurance, Industry News, and Mutual of Omaha (& Affiliates).

May is Disability Insurance Awareness Month

May is Disability Insurance Awareness Month, so it’s a great time to talk with clients about income protection and what it could mean for their families when they need a real difference maker. When we think about our most valuable assets, we often think about our home or the other things we own. But for most people, their most valuable asset is actually their income. Consider this: If you were sick or injured and unable to work, how would you pay the mortgage or rent? Make your car payment? Pay health insurance premiums? Your income allows you to live your
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Categories: Disability Income Insurance, Industry News, and Mutual of Omaha (& Affiliates).

Start the Disability Income Insurance Conversation Today

Disability Insurance Awareness Month is here, making it a great time to remind clients about income protection and how it helps protect their ability to earn an income. Disability income insurance is a fairly easy topic to talk about – and one your clients should quickly understand. Yet, nearly 7 out of every 10 working Americans say they can’t make it a month without a paycheck before feeling major financial strains. Here are questions you can ask to start the income protection conversations: If you become sick or injured and unable to work, who’ll pay your expenses? Do you have
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Categories: Disability Income Insurance, Industry News, and Mutual of Omaha (& Affiliates).

Important Information on DI, CI and AD Policy Output Procedures

State government social distancing responses change daily, and it is increasingly difficult to know which of our distribution partners have the ability to maintain back office support for policy receipt and delivery. We also understand that any back-office support you have available today may be forced to discontinue tomorrow as the situation continues to evolve. Therefore, as an interim solution, we will begin mailing all Disability, Critical Illness and Accidental Death insurance policies direct to our customers effective April 11, 2020. This change is being implemented with the best interests of our customers and distribution partners in mind to ensure
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Categories: COVID-19, Critical Illness, Disability Income Insurance, Industry News, and Mutual of Omaha (& Affiliates).

Paper Application Submission via Email

In November, we streamlined the submission process for all Life products and Health products (excluding Medicare Supplement, Medicare Advantage, Prescription Drug Plans and Long Term Care) by introducing the ability to submit paper applications and additional requirements via email. As a reminder, when utilizing the email options to submit either new business or additional requirements: Attachments must be in TIF or PDP file format (pictures are not accepted) Emails or attachments cannot be password protected Email subject lines must include either “New App” or the Policy Number “XXXXXXXXX” Multiple attachments must be for the same case file in the email
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Categories: Critical Illness, Dental, Disability Income Insurance, Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).

Email Submission for Paper Applications

Sending a fax can be time-consuming and frustrating, that’s why we are pleased to announce paper applications can now be submitted via email. This update is effective immediately and available for all Life products and Health products, excluding Medicare Supplement, Medicare Advantage, Prescription Drug Plans and Long Term Care. While this new capability will streamline the submission process there are some very important steps to follow in order to make sure applications are being submitted correctly and securely. Please ensure you follow this guide when submitting new business and additional requirements via email. Thank you for your business and if
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Categories: Critical Illness, Dental, Disability Income Insurance, Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).