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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Important Update to Gerber Life’s Secure Email
Gerber Life Secure Email Update In order to protect confidential and Personal Identifiable Information (PII), Gerber Life is in the process of updating our Secure Email system. Beginning August 24, 2022, Gerber Life Secure Email users will no longer have to register or login to Iron Port to use the secure email feature. Secure email will be available to all users simply by clicking the Secure Email Tab in the Agent Portal. A secure email window will appear, you can compose your email, and then select the “Send Secure” button. Secure Email is designed to pass confidential and PII
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Challenging times? Budget-friendly and easy to apply
Here’s a big benefit for your clients during these challenging times: Gerber Life makes it easy to obtain budget friendly insurance coverage to protect their loved ones. Our guaranteed issue1 products offer an easy application process and fast approval, with no medical exam necessary. Plus, your clients can find comfort and confidence in knowing they’re prepared for the future with a financially strong company that’s been providing insurance to families for more than 50 years. Here are some highlights of Gerber Life’s guaranteed issue1 products: Gerber Life Guaranteed Life — a great way to help counter the effects of inflation
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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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Errors and Omissions Insurance
Mutual of Omaha and its affiliates (United of Omaha and United World) require Errors and Omissions Insurance in the amount of $1 million (per claim) prior to selling the following insurance products: • AccumUL Answers • Term Life Answers • Income Advantage IUL • Lifetime Protection Advantage IUL • Bonus Flexible Annuity • Ultra-Secure Plus • Ultra-Premier • Income Access • Ultra-Income • Critical Illness (aka Critical Advantage) • Disability Income • Long-Term Care • Prescription Drug Plans As a GoldenCare producer, you have the ability to get this valuable coverage at a discount! Check out our Errors and Omissions
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Back to School
There are all sorts of to-do list items when it’s back-to-school season, but one item that should be on your clients’ checklist is life insurance for their children or grandchildren. Our Children’s Whole Life product is affordable, easy to apply for and can be signed by a parent or a grandparent. It’s a great add on product to any sale you make if children are in the household. Our consumer brochure and customizable consumer postcard can help you start the conversation with your clients. To learn more about Children’s Whole Life Insurance, visit mutualofomaha.com/simple. Back to School #goldencareagent
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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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Home Life Secure Now Available in Florida
Now available in Florida on GTL’s Agent Portal. e-App availability coming soon! Introducing Home Life Secure: A unique combination of whole life insurance with chronic and terminal illness accelerated benefits, as well as a final expense feature. Couple those benefits with planning and care guidance support for your clients should they need care in their home or in a facility, and you can add another unique, niche product to your portfolio—now available on GTL’s Agent Portal and e-App! Death benefits ranging from $10,000 to $150,000. Living benefits available for Chronic and Terminal Illnesses. 10% of face amount reserved to help
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Important Term Life Answers (TLA) Conversion Policy Changes
Mutual of Omaha allows term conversions to any product and rest assured, we will continue to offer this conversion option. One change that we are implementing is the way in which we compensate term conversions for TLA. After careful review, we have modified the compensation rates for TLA policies converted to one of our permanent policies: Now, term conversions years 2 through 9 will receive full new business first-year commissions payable — an increase to what is currently paid! For term conversions in years 10+, the year 2 renewal commission rate will apply Transition Rules These compensation changes are effective
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Help Clients Understand Their IUL Express Allocation Options
The accumulation value within an Indexed Universal Life Express (IUL Express) policy earns interest at a rate that is calculated based on the performance of a market index. If you use the IUL Express Easy Solve, the 100% participation rate crediting strategy will be selected, but your clients also have additional crediting strategy options. Your clients can choose from three crediting strategies, all based on the performance of the S&P 500, as well as a fixed account. This allows them to tailor their policy based on how they believe the index will perform. Clients can choose to allocate all of
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