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

December 7, 2020 | by | Comments Off on 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
Read More

Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).
Tags: e-App, e-Application, Income Advantage, Income Advantage IUL, insurance, insurance plan, insurance policy, Life Insurance, Life Protection Advantage, Life Protection Advantage IUL, mutual of omaha, omaha, policy, term life, Term Life Answers, and United of Omaha.

Upcoming Holiday Hours for Securian’s SecureCare Team

November 23, 2020 | by | Comments Off on Upcoming Holiday Hours for Securian’s SecureCare Team

SecureCare tele-interview and underwriting holiday hours As challenging as this 2020 year has been, we still want to take a moment to count our blessings this Thanksgiving season and say “Thank You!” for your business and loyalty. Please take note of the following holiday office closures: Thanksgiving Eve (Nov. 25): Closed at 5 p.m. CST Thanksgiving Day (Nov. 26): Closed Black Friday (Nov. 27): Closed Christmas Eve (Dec. 24): Closed at 3 p.m. CST Christmas Day (Dec. 25): Closed Boxing Day (Dec. 26): Closed New Year’s Eve (Dec. 31): Closed at 5 p.m. CST New Year’s Day (Jan. 1): Closed
Read More

Categories: Industry News, Life Insurance, and Securian.
Tags: insurance, IUL, Life Insurance, Minnesota Life, protection, SecureCare, SecureCare UL, Securian, Securian Financial, Securian Life, and Securian Life Insurance Company.

Securian LTC Awareness Month

November 9, 2020 | by | Comments Off on Securian LTC Awareness Month

Long-term care (LTC) consumer social media e-toolkit Long-Term Care Insurance Awareness Month is already under way — use this toolkit to help educate and engage prospects. Leverage the kit’s pre-built posts to help prospects get the facts about long-term care and motivate them to start making a plan of their own — with your guidance. Each post includes lead-in text and an animated image to help drive engagement. Facebook & LinkedIn campaigns How it works: Open the animated image and save the mp4 file to your computer by clicking the three dots in the right-hand corner and selecting download. Copy
Read More

Categories: Industry News, Life Insurance, and Securian.
Tags: accumulation, indexed universal life, insurance, IUL, Life Insurance, Minnesota Life, protection, Securian, Securian Financial, Securian Life, and Securian Life Insurance Company.

Living Promise Paper App Update – Arkansas Only

November 9, 2020 | by | Comments Off on 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
Read More

Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).
Tags: burial, final expense, insurance, insurance plan, insurance policy, Life Insurance, mutual of omaha, omaha, policy, United of Omaha, whole life, and whole life insurance.

Can You Keep All the AG49-A Changes Straight?

November 9, 2020 | by | Comments Off on 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
Read More

Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).
Tags: Discover IUL, Income Advantage, Income Advantage IUL, insurance, insurance plan, insurance policy, IUL, Life Insurance, Life Protection Advantage, Life Protection Advantage IUL, mutual of omaha, omaha, policy, and United of Omaha.

AG 49-A illustration changes effective November 21, 2020

November 5, 2020 | by | Comments Off on AG 49-A illustration changes effective November 21, 2020

Illustration Regulation AG 49-A The National Association of Insurance Commissioners (NAIC) has made enhancements to Actuarial Guideline 49 (now referred to as AG 49-A). All carriers are required to comply with these new indexed universal life (IUL) illustration regulations by December 14, 2020. The following are Securian Financial’s transition details and deadlines: Products impacted: Eclipse Accumulator IUL Eclipse Protector II IUL Eclipse Survivor II IUL Eclipse IUL-NY Important dates: Friday, November 20, 2020 — Illustrations based on the old AG 49 guidelines will no longer be available after this date. Saturday, November 21, 2020 noon – Central Time — Updated,
Read More

Categories: Industry News, Life Insurance, and Securian.
Tags: accumulation, indexed universal life, insurance, IUL, Life Insurance, Minnesota Life, protection, Securian, Securian Financial, Securian Life, and Securian Life Insurance Company.

When Your Final Expense Clients Need a Little More Death Benefit

October 19, 2020 | by | Comments Off on 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
Read More

Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).
Tags: insurance, insurance plan, insurance policy, Life Insurance, mutual of omaha, omaha, policy, and United of Omaha.

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

October 19, 2020 | by | Comments Off on 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
Read More

Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).
Tags: insurance, insurance plan, insurance policy, Life Insurance, mutual of omaha, omaha, policy, and United of Omaha.

IUL Desktop Illustration Software Discontinuation

October 19, 2020 | by | Comments Off on IUL Desktop Illustration Software Discontinuation

As a reminder, our Income Advantage IUL, Life Protection Advantage IUL and IUL Express products will no longer be available on WinFlex Desktop after October 31, 2020. Beginning November 1, you MUST use WinFlex Web to illustrate our IUL products. The remainder of our life and health products will remain available on WinFlex Web through the end of the year. If you are still using the Desktop software to illustrate our life and health insurance products, we encourage you to transition to the WinFlex Web platform as soon as possible. To sign up for WinFlex Web: Go to winflexweb.com and
Read More

Categories: Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).
Tags: contents, contents menu, illustration, Income Advantage, Income Advantage IUL, indexed universal life, insurance, IUL, Life Insurance, Life Protection Advantage, Life Protection Advantage IUL, mutual of omaha, and omaha.

Important Life Underwriting Update

October 19, 2020 | by | Comments Off on Important Life Underwriting Update

Throughout the pandemic, Mutual of Omaha has been continuously evaluating our underwriting and new business practices to support business continuity, deliver a high level of service and maintain our financial strength. As a result, we will be expanding the cases we will accept beginning Thursday, October 1, 2020. The following guidelines will apply to all fully-underwritten life insurance cases. This includes any newly submitted and pending in-house cases, whether formal or informal. Please note, the guidelines below are temporary. International Travel Guidelines All All fully-underwritten life insurance cases where the proposed insured plans to travel or has traveled internationally to
Read More

Categories: COVID-19, Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).
Tags: Income Advantage, Income Advantage IUL, indexed universal life, insurance, IUL, Life Insurance, Life Protection Advantage, Life Protection Advantage IUL, mutual of omaha, omaha, Term Life Answers, TLA, and United of Omaha.