Most people have no idea how expensive long-term care services are. According to a 2017 report from the U.S. Department of Health and Human Services, almost 70 percent of people over age 65 will require chronic care later in life. And, these long-term care services can quickly erode a client’s savings. But what if your client doesn’t qualify for long-term care? We understand that they still need some form of protection. And that is one of the reasons we automatically issue a Chronic Illness Rider on all of our Income Advantage and Lifetime Protection Advantage IULs — with NO additional
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We Know That There Are Risks That Come With Waiting
A consequence of waiting to purchase life insurance that clients may not be aware of is the impact waiting could have on the amount of income they can take from their policy down the road. Waiting even just a few years could change the income potential by thousands of dollars a year. Read our sales idea for a better understanding of just how much of an impact this could make on clients policy. We Know That There Are Risks That Come With Waiting #goldencareagent #mutualofomaha #iul
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Flexibility Helps Keep IULs Simple
With Indexed Universal Life policies from United of Omaha, we provide the utmost flexibility. Sure, we offer insurance policies with death benefit, cash value accumulation and tax advantages, BUT did you realize we also offer riders that truly impact clients lives, like: The Guaranteed Refund Option Rider The Long-Term Care Rider, and The Chronic Illness Rider All of these options can help clients with a variety of financial goals find the best solution that suits their unique needs. If you have questions, please contact Mutual of Omaha’s Sales Support at (800) 693-6083 or sales.support@mutualofomaha.com Flexibility Helps Keep IULs
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Transparent IUL Performance
At Mutual of Omaha, we continue to publish our cap and participation rate history for all three of our IUL products each month. We proudly display our stability and continue to offer no hidden cap or participation rate changes. Providing you with another reason why our products can be 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 even more about our IUL portfolio at discoveriul.com. Transparent IUL Performance #goldencareagent #mutualofomaha #iul
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Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).
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Fully Underwritten Life COVID-19 Updates
Mutual of Omaha has been closely monitoring our new business and underwriting practices from the beginning of the COVID-19 Pandemic. Throughout this time, we have periodically made business decisions regarding our underwriting guidelines. We are pleased to announce that we will be changing our temporary guideline changes effective August 1, 2022. These guidelines apply to all fully underwritten life insurance cases and includes all newly submitted and pending in-house cases, whether formal or informal. Acceptance Guidelines Based on Insured’s Issue Age: We will now accept applications for clients through age 79 and up to table 6 If the client is
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COVID-19, Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).
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IULs that are Simple-Flexible-Trusted
At Mutual of Omaha we want to make the decision easy when determining what solution best fits the needs of your clients. Our IULs are: Simple — The simple design of our products makes them easy to understand, illustrate and fund. They are straightforward and transparent IULs with one of the lowest cost structures in the industry. Flexible — We have 3 IULs that are all designed to meet the unique needs of a variety of clients. Including powerful built-in riders such as the Guaranteed Refund Option (GRO)* Rider and Chronic Illness Rider. Trusted — We understand that we are
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Easy Just Got Easier
Our IUL Express e-Applications are pretty straightforward, but getting the illustration signed before submission has been anything but easy. Those days are a thing of the past. Now when you submit an IUL Express e-App using Easy Solve the illustration will automatically generate within the application. The best part? There’s no lengthy trainings or extra steps because we’ve taken care of the entire process for you. All you have to do is write the app. In the rare case that the illustration doesn’t automatically generate, Underwriting will reach out to you, as they currently do. And remember, IUL Express hasn’t
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Take Advantage of One of the Lowest IUL Charge Structures
Value isn’t always about the highest cash values, caps or distributions, it’s about actual real-world performance. Have you taken the time to compare the charge structure of the Income Advantage IUL to other carriers? If so, you’ll often find that the lower charge structure of our Income Advantage IUL makes it a better value than the illustrated performance of many IULs. Discover the many ways that Income Advantage IUL stands apart from the crowd. If you have questions, please contact Mutual of Omaha’s Sales Support at (800) 693-6083 or sales.support@mutualofomaha.com Take Advantage of One of the Lowest IUL
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Help Your Clients Get Fit
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. Help Your Clients Get Fit #goldencareagent #mutualofomaha
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Waiting a Few Years on Life Insurance May Add Up
Often, when meeting with clients to discuss life insurance solutions, they want to “think about it” before making their decision. But what they don’t realize is that this delay may impact the amount of income they can take from his policy in the future. Waiting even just a few years could change the income potential by thousands of dollars a year. Review this Income Advantage IUL Sales Idea to see a case study that shows what your clients might be giving up, just by waiting. If you have questions, please reach out to a member of your Brokerage Life Sales
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