A Better Solution than Relying on Family

  There’s a better option than kids as caregivers “My kids will take care of me.” We’ve all encountered prospective clients who use this line to rationalize why they don’t need a long-term care insurance policy. But when pressed, they’ll often admit they don’t really want their kids to have to take care of them. So how do you demonstrate that purchasing an LTCi policy may be a better solution than relying on their kids? Download the Flyer   Have questions or need a quote? Contact us.   E3368   A Better Solution than Relying on Family   #goldencareagent #mutualofomaha
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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).

Our Fully-Underwritten Life Products are Now Available on e-App!

We’re pleased to announce that Income Advantage IUL, Life Protection Advantage IUL, and AccumUL Answers are now available on the iPipeline e-Application system. When you submit an e-App, you won’t have to worry about missing a question or form — the system ensures you submit your application in good order. These new products have full e-Application functionality for all riders, except for the Long-Term Care Rider on our IUL products. For IUL applications containing the LTC Rider, you still have the option to submit an e-App and send in the LTC Rider paper application separately. In today’s environment, being able
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Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).

Living Promise Paper App Update – Arkansas Only

Effective November 1, 2020 we will be discontinuing the Arkansas state special version of the Living Promise paper application (form number: D389LAR12A). Arkansas will now use the Living Promise interstate compact application (form number: ICC14L643A). Please note, Arkansas only allows the Living Promise Level benefit product. Arkansas does not allow the Living Promise Graded benefit product.   Transition Rules Living Promise paper applications using the old Arkansas application (form number: D389LAR12A) must have a signed date on or before November 15, 2020 and must be received in the home office by November 30, 2020. After November 30, 2020 all Living
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Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).

Can You Keep All the AG49-A Changes Straight?

It’s been happening for a while now. Carriers have been designing products to get around the original AG49 illustration regulations introduced in 2015. Competitors developed all kinds of complex features just to allow their IUL products to illustrate better on paper. You’ve probably heard it referred to as ‘the illustration wars’. The problem is: clients didn’t understand what they were buying and there’s a good chance many of these policies won’t live up to their illustrated performance. And, these complex features also came with increased charges. So, if these products aren’t client-friendly, why are they still being sold? Simple. Because
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Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).

When Your Final Expense Clients Need a Little More Death Benefit

A final expense product is a great solution for clients who are looking to cover their funeral expenses, as well as other end-of-life expenses their families could incur. For clients who need a little more death benefit than a final expense policy typically allows, you may want to consider Indexed Universal Life Express as an alternative. IUL Express offers higher face amounts, which will allow your clients to be better prepared for the end-of-life expenses their loved ones may incur. Learn more in the IUL Express as an Alternative When Clients Need More Death Benefit than a Final Expense Policy
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Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).

Life Changes – Can Your Clients’ Life Insurance Policies Adapt?

Your clients’ lives are full of changes. And with retirement looming, there may be even more. Our Change of Situation brochure shows clients how an Income Advantage IUL policy can help clients plan ahead for retirement while remaining flexible enough to accommodate life’s changes. These changes include: Changing Products Changing Situations Changing Market Environments The brochure also explains how the Guaranteed Refund Option Rider and Accumulation Values work. Plus, it provides three client case studies demonstrating how an IUL policy can help weather life’s changes – whether life goes as planned, whether a new, better product comes along or whether
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Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).

Sales Idea: Help Clients Stay at Home

Some clients considering an LTCi policy believe the benefits would only cover services provided in care facilities. And since they don’t plan to go to a care facility, they may think they don’t need to purchase long-term care insurance. By walking through how LTCi provides in-home services, you can help clients feel more secure in their purchase of an LTCi policy … and, possibly help keep them in their home longer.   Download our NEW Sales Idea to learn more!   Help Clients Stay at Home   #goldencareagent #mutualofomaha
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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).

Two Ways to See Your State’s Cost of LTC Services

Long-term care costs and services don’t just affect those receiving care – it’s the families who often end up with the burden. With no end in sight to rising costs, how can your clients afford not to have long-term care insurance? Mutual of Omaha has been providing you with long-term care costs for years, but if you aren’t sure how much your clients may need, use our Cost of Care Calculator or Cost of Care Brochure to find out.   Two Ways to See Your State’s Cost of LTC Services   #goldencareagent #mutualofomaha
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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).

Sales Idea: A Planning Strategy to Cover Retirement Expenses

At some point in life, someone else – usually the children – may need to step in and manage their parents’ retirement expenses. Typically, this means writing checks from the parents’ checkbook. But, what happens if those funds are depleted? It may mean the child has to write checks from their own checkbook. Help your clients plan for this situation using a Life Protection Advantage IUL policy. Learn how by reading our How Will Your Client’s Retirement Expenses Get Paid? Sales Idea.   Sales Idea: A Planning Strategy to Cover Retirement Expenses   #goldencareagent #mutualofomaha
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Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).

Accelerate Your Business

Get faster decisions for your Standard, Standard Plus, Preferred and Preferred Plus clients on Term Life Answers, Income Advantage IUL and Life Protection Advantage IUL. The process is easy. Simply submit a drop ticket, ExamOne contacts the client – we take care of the rest. We’ll provide an underwriting decision in 48-72 hours! The best part? NO paramed exam! Program Parameters Issue Ages: 18-60 Face Amounts: $100,000 – $2,000,000 Products Available: Term Life Answers (10-, 15-, 20- and 30- year), Income Advantage IUL and Life Protection Advantage IUL Applications: Speed eTicket (Drop Ticket) Learn more about Accelerated Underwriting and the
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Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).