Income Advantage IUL - GoldenCare Agents

Important Changes to COVID Guidelines

June 19, 2023 | by V | Comments Off

Mutual of Omaha continues to closely monitor our new business and underwriting practices to ensure we create efficiencies and improvements when making business decisions regarding our underwriting guidelines. We are happy to announce the following changes to our COVID guidelines for Fully Underwritten Life, effective June 1, 2023. Acceptance Guidelines Based on Insured’s Issue Age: We are now accepting applications on clients through age 79 without table rating restrictions Additionally, we are now able to consider clients aged 80-85 for Standard risk class ONLY Clients with a Positive COVID Test A Statement of Good Health continues to be required if:
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Categories: COVID-19, Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).
Tags: Coronavirus, COVID, COVID-19, Income Advantage, Income Advantage IUL, insurance, IUL, Life Insurance, Life Protection Advantage, Life Protection Advantage IUL, mutual of omaha, Mutual of Omaha Insurance Company, omaha, pandemic, Term Life Answers, Term Life Insurance, TLA, United of Omaha, and virus.

New LTC Rider Underwriting Guidelines

May 22, 2023 | by V | Comments Off

We would like to inform you that we have updated our Long-term Care Rider underwriting guidelines, effective immediately. These updates have been made to ensure that we continue to provide the best possible service to your clients while maintaining the highest standards of risk management. We understand these changes may require some adjustments in your current processes, and we are here to help. If you have any questions or concerns about the updated guidelines, please do not hesitate to contact us at (800) 693-6063. New LTC Rider Underwriting Guidelines #goldencareagent #mutualofomaha
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Categories: Industry News, Life Insurance, Long-Term Care, and Mutual of Omaha (& Affiliates).
Tags: Income Advantage, Income Advantage IUL, insurance, Life Insurance, Life Protection Advantage, Life Protection Advantage IUL, long-term, Long-Term Care, long-term care insurance, LTC, LTC Rider, ltc underwriting, LTCi, mutual of omaha, and Mutual of Omaha Insurance Company.

Help Clients Plan for the Long-Term Care Needs with Life Insurance

May 22, 2023 | by V | Comments Off

Do your clients realize how expensive long-term care services can be? The costs can easily average more than six figures annually and only continue to rise. Help clients understand why it’s so important to have a plan in place for their long-term care needs, whether it’s through a Long-Term Care Insurance policy or our Long-Term Care Rider on our IULs. A long-term care rider on a life insurance policy is a good way for your clients to: Protect their loved ones in case of unexpected long-term care needs, Plan for their long-term care funding needs, and Provide a legacy for
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Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).
Tags: express, Income Advantage, Income Advantage IUL, indexed universal life, indexed universal life express, IUL, IULE, Life Insurance, mutual of omaha, Mutual of Omaha Insurance Company, omaha, and United of Omaha.

Strength and Stability You Can Count On

May 8, 2023 | by V | Comments Off

Over the past month you have probably seen a lot of product announcements from many carriers who are required to adjust their illustrations and products to comply with the new AG-49 revisions. You may be wondering when the Mutual of Omaha announcement would show up and here it is: “no changes required.” We do not need to make any changes to our indexed universal life (IUL) product portfolio or illustration software, we are already compliant. From the very beginning, we structured our IUL products to stand the test of time by building them with the lowest cost structure – no
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Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).
Tags: Discover IUL, express, Income Advantage IUL, Indexed UL, indexed universal life, indexed universal life express, insurance, IUL Express, life, Life Insurance, Life Protection Advantage IUL, mutual of omaha, omaha, and United of Omaha.

No Hidden Caps or Participation Rate Changes With Our IULs

April 3, 2023 | by V | Comments Off

At Mutual of Omaha, we proudly publish our cap and participation rate history for all three of our IUL products each month—displaying our stability, with no hidden cap or participation rate changes. And, providing yet another reason why our indexed universal life products are a great choice for your clients. Life Protection Advantage IUL Historical Crediting Rates Income Advantage IUL Historical Crediting Rates IULE Historical Crediting Rates Find out more about our IUL portfolio at DiscoverIUL.com! No Hidden Caps or Participation Rate Changes With Our IULs #goldencareagent #mutualofomaha
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Updates to Covid-19 Underwriting Guidelines

March 6, 2023 | by V | Comments Off

Mutual of Omaha continues to closely monitor our new business and underwriting practices to ensure we create efficiencies and improvements when making business decisions regarding our underwriting guidelines. We are happy to announce the following changes to our COVID guidelines for Fully Underwritten Life, effective March 1, 2023. Acceptance Guidelines Based on Insured’s Issue Age: We are now accepting applications for clients through age 74 and up to table 8, an increase from the prior Table 6 limit Ages 75-79 remain capped at Table 6 Ages 80+ continue to be postponed Clients with a Positive COVID Test A Statement of
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LTC Rider Can Help Protect Clients Futures

November 21, 2022 | by V | Comments Off

Do your clients realize how expensive long-term care services can be? The costs can easily average more than six figures annually and only continue to rise. Help clients understand why it’s so important to have a plan in place for their long-term care needs, whether it’s through a Long-Term Care Insurance policy or our Long-Term Care Rider on our IULs. For more information about our Long-Term Care Rider, including rider information and updated marketing tools, go to MutualofOmaha.com/ltc-rider. LTC Rider Can Help Protect Clients Futures #goldencareagent #mutualofomaha
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Did You Know That We Publish Our IUL Cap and Participation Rate History

November 18, 2022 | by V | Comments Off

Full transparency for our IULs at Mutual of Omaha means that we publish our cap and participation rate history for all three of our IUL products each month. Displaying our stability, with no hidden cap or participation rate changes. And proving why our products are a great choice for your clients. Life Protection Advantage IUL Historical Crediting Rates Income Advantage IUL Historical Crediting Rates IULE Historical Crediting Rates Find out more about our IUL portfolio at discoveriul.com. Did You Know That We Publish Our IUL Cap and Participation Rate History #goldencareagent #mutualofomaha #iul
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Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).
Tags: express, Express Underwriting, historical performance, Income Advantage, Income Advantage IUL, insurance, IUL, Life Insurance, Life Protection Advantage, Life Protection Advantage IUL, mutual of omaha, Mutual of Omaha Insurance Company, omaha, performance, simplified underwriting, and United of Omaha.

Reward Your Fit Clients

October 24, 2022 | by V | Comments Off

If your clients take care of themselves and lead a healthier lifestyle we want to reward them. How? By offering them underwriting credits on our fully underwritten term and universal life insurance policies offered by United of Omaha Life Insurance Company, including: Income Advantage IUL Life Protection Advantage IUL Term Life Answers AccumUL Answers Read the FIT flyer to find out if your clients may qualify for these credits. Reward Your Fit Clients #goldencareagent #mutualofomaha
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