Oftentimes, clients will select their term coverage level based on their budget, even if they may actually have a need for more coverage. If you have a client who gets approved better than applied for, this is the perfect time to use the Term Life Answers Upsell Program since they can potentially get more coverage and still be within their budget. Agents who are consistently talking to their client about the upsell offer have found great success. Since we started offering the upsell opportunities, we’ve had a 15 percent acceptance rate with the average increase being just over $275,000 per
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Important update regarding conversion application submissions
Notable News Important update regarding conversion application submissions Effective June 6, 2019, please use the state-specific application for the policy owner’s current resident state when submitting conversion applications. The application will also need to be signed in the policy owner’s current state of residence. If the policy owner resides outside the United States, use the application for the state where the original policy was issued. Any conversion applications received after July 6, 2019 that are not specific to the policy owner’s current state of residence will not be considered in good order. Thank you for your attention to this
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TLE: Affordable, Versatile, Simple
Families want to protect their home and the life they’ve built for their family. That’s exactly what a Term Life Express product does. Along with affordable coverage, TLE also offers: Versatility Face amounts from $25,000 — $300,000 Living Benefits – at NO additional cost Chronic Illness Rider Terminal Illness Rider Critical Illness Rider Simplicity Quick Issue Simplified underwriting (no blood and urine tests required) e-App Mobile quoting app Trustworthiness Backed by a legacy brand with outstanding financial ratings For clients who are looking to choose an affordable term product — look at TLE today! TLE: Affordable, Versatile, Simple #goldencareagent
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Updates to Life Products for 2017 CSO Table Changes
Throughout the remainder of 2019, United of Omaha will be modifying the products in our life insurance portfolio as we implement the 2017 Commissioners Standard Ordinary (CSO) Tables. Product Impacts The first phase of product changes will be implemented on August 1, 2019: Income Advantage IUL will be updated with the new tables. Impacts of these modifications include: There will be slight increases and decreases in our premiums, required minimum face amounts and disbursement amounts. Disbursement amounts will be consistently within 2% in either direction from our current disbursements, with very minor changes in our competitive positioning. Generally, our charges
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Quick Guide: Prescription Drug Exclusion List
Prescription drug names can be confusing and the list of prescriptions is far too long to memorize. Keep our prescription drug exclusion flyer handy for a quick reference guide on what the knock out drugs are for Express products. If you have questions, please contact Mutual of Omaha’s Sales Support at 800-693-6083 or email sales.support@mutualofomaha.com. Quick Guide: Prescription Drug Exclusion List #goldencareagent #mutualofomaha
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TLE: Life Insurance Made Easy
Term Life Express provides clients with affordable rates and a simple application process. It also offers flexibility with 10-, 15-, 20-, and 30- year products available, in addition to ROP and non-ROP premium options. Our Term Life Express customizable postcard offers you flexibility as well. You can select the term, gender, modal factor, ages, face amounts and include your agent information. Simply, contact Sales Support at 1-800-693-6083 or go through your normal ordering channels in order to customize the TLE consumer-facing postcard. Make buying life insurance for your potential clients quick and simple with Term Life Express. If you
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Save Your Clients Money with Fit Credits
Our Fit Underwriting Credit Program can help your clients qualify for up to an additional two table credits from their base rating on both term and permanent products. When your clients get a better rating, they get additional cost savings. What makes the Fit Program unique? It is NOT a table shave program Clients as young as 18 years old can qualify It applies to both permanent AND term policies Take a look at the Fit Guide and be sure to complete the Fit Test with your clients to ensure they receive the best underwriting rating. If you have questions,
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