The Critical Advantage portfolio of products include Critical Illness Insurance, Cancer Insurance & Heart Attack/Stroke Insurance. These products offer a lump-sum payment, 100% of which is paid directly to your clients upon diagnosis of a covered condition. With Mutual of Omaha’s Critical Advantage products, your client has control of how the money is spent, whether it’s on high deductibles, child care or specialized treatment. Plus, there’s no fee to use the benefit and no waiting period to satisfy. Although clients may have other coverage in place, there’s often an income protection gap that the Critical Advantage products can help fill.
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Ease Your Client’s Worries with Living Promise
Living Promise Whole Life Insurance is designed to help provide affordable protection that pays benefits directly to the person you choose to take care of your outstanding medical bills, unexpected expenses or debt that you may leave behind. Leaving you with nothing to worry about when you’re gone. Product Features Competitive premiums Simplified underwriting — no medical exam, coverage is based on answers to a few simple health questions Two coverage choices: Level Benefit Plan Policy issue ages: 45 – 85 Benefit amounts: $2,000 – $40,000 (in WA, $5,000 – $40,000) Accelerated Death Benefit for Terminal Illness or Nursing Home
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Did You Know That We Publish Our IUL Cap and Participation Rate History
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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Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).
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The Perfect Fit for Complete Coverage
Everyone knows someone who has been diagnosed with cancer or suffered a heart attack, stroke or some other critical illness. That’s what makes the products in Mutual of Omaha’s Critical Advantage Portfolio such a perfect fit – they’re easy for you to sell because it’s easy to understand the need. Our portfolio includes three products your client needs, benefits are paid directly to the insured and we offer a built-in return of premium on certain policies. Discover five reasons why Mutual of Omaha’s Critical Advantage products are a perfect fit for you and your clients. The Perfect Fit for
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Critical Illness, Industry News, and Mutual of Omaha (& Affiliates).
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Ameritas Is Here to Help You Sell
Selling Made Simple AEP/OEP season is here! And there are so many things to think about when talking to your clients that it can be overwhelming. We’ve come to the rescue with a quick overview of Ameritas individual dental and vision plans to help you explain the benefits to your clients. PrimeStar® dental and vision plans Immediate savings: Coverage can start the next day, and there are no waiting periods on most PrimeStar plans so your clients can start saving on dental and vision services right away. Nationwide networks: Plan members can visit any dental or vision provider. They save
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It’s Still Long-Term Care Awareness Month
The Reality of Long-Term Care Real stories from real people are a very effective way to relate to prospects or clients that wince at the notion of experiencing a long-term care event personally. It’s understandable to not want to have that conversation, however, that does not prevent life from happening. Real People. Real Stories. The need for long-term care insurance becomes apparent when you see how it benefits real-life customers. These flyers are learning tools you can turn into powerful sales tools by describing how an LTCi policy helped both Mutual of Omaha policyholders and their families. Materials: The Need
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Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).
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NGL EssentialLTC – Upcoming Holiday Closure
Upcoming Holiday Closure NGL EssentialLTC’s administrative office will be closed next week during the following times for the upcoming Thanksgiving holiday: Wednesday, November 23 – Office closing at 1:00 p.m. PST Thursday, November 24 – Office closed Friday, November 25 – Office closed Click here to take a look at the entire 2022 holiday schedule. For agent inquiries contact your dedicated NGL Agent Services Team at 888.505.2332 or status@ngl-essentialltc.com. For sales questions contact the NGL Long-Term Care Sales Team at LTC@nglic.com. #goldencareagent #ngl
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Inforce LTCi Rate Adjustments Effective February 1, 2023
Mutual of Omaha actively monitors our inforce long-term care business, filing rate adjustments when necessary to ensure we keep our promises to policyholders and remain competitive in the marketplace. We will be implementing the following inforce rate adjustments effective February 1, 2023*: Impacted Policy Forms Impacted States LTC04G Alabama, Alaska, Hawaii, Massachusetts, Nebraska, New Jersey, Pennsylvania, South Carolina, Virginia LTC04I7 Puerto Rico LTC04I Delaware and Puerto Rico LTC09M Delaware and Puerto Rico LTC09U Delaware LT50, NH50, HCA, NHA and LTA Maine, Nevada, New Mexico * The state of Maine requires a 90-day notification period for all policyholders. Therefore, the
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New Law Requires CA Licensees to Include Their License Number on Emails
NOTICE TO: Individual and Agency Producers, Independent and Public Insurance Adjusters, and Other Interested Parties FROM: Licensing Services Division, Producer Licensing Bureau DATE: November 14, 2022 RE: New Law Requires Licensees to Include Their License Number on Emails Starting January 1, 2023, a new law will require most types of insurance producers, as well as independent insurance adjusters, public insurance adjusters, and analysts, to include their license number on emails. (California Insurance Code section 1725.5, as amended by Senate Bill 1242 [Committee on Insurance, Chapter 424, Statutes of 2022]) This Notice answers some of the most
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Humana’s Q4 2022 Incentive: Unlimited Opportunity to Achieve!
Jaw-dropping, unlimited bonuses for Humana Achieve Medicare Supplement plans starting with the first issued app. Pays starting with your first policy on the following payout schedule, by state: AL, CA, GA, IA, IL, LA, MI, MS, NC, NE, NJ, PA, TX, WV: Underwritten Business $325 per issued policy Open Enrollment Business $150 per issued policy AR, AZ, IN, KY, OH, SC, TN, WI: Underwritten Business $325 per issued policy Open Enrollment Business $325 per issued policy Qualify with just one issued case. Promo period runs from 10/1/2022 to 12/31/2022. Humana’s Q4 2022 Incentive: Unlimited Opportunity to Achieve!
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