As a final reminder, 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
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Holiday Telephone Solicitation Bans for the Month of August 2019
Please be aware of the following holidays requiring a holiday telephone solicitation ban for the month of August. On Monday, August 12, 2019: Rhode Island prohibits unsolicited marketing calls to residents in observance of Victory Day On Friday, August 30, 2019: Louisiana prohibits unsolicited marketing calls to residents in observance of Huey P. Long Day Holiday Telephone Solicitation Bans for the Month of August 2019 #goldencareagent #mutualofomaha
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Visit the Life Learning Center on SPA
If you are looking for product information and sales ideas, turn to our Life Learning Center section on the Sales Professional Access website. The Learning Center includes flyers, as well as a number of short videos so you can quickly learn more about our products and how they can benefit your clients Simply go to Sales Professional Access (www.mutualofomaha.com/broker), go to the Life Sales Tools page and choose from Product Education, Sales Ideas and Competitive Information. Visit the Life Learning Center on SPA #goldencareagent #mutualofomaha
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Have You Seen the New LTC Underwriting Guide?
Did you know the new MutualCare® Solutions Underwriting Guide is now available in its own standalone booklet? If you aren’t sure on an uninsurable medication or have a question on build chart details, the new underwriting guide is perfect to bring along with you for quick reference during client meetings. Order your new copies today! All materials are available to view/download through SPA or can be ordered through your normal channels. Have You Seen the New LTC Underwriting Guide? #goldencareagent #mutualofomaha
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Customize Your Own Living Promise Postcard
Living Promise Whole Life Insurance can help ease the financial burden associated with outstanding medical bills, debt and final expenses. It offers your clients affordable premium rates that never increase, no medical exam is required and the policy can’t be canceled as long as premiums are paid and there has been no material misrepresentation. Call Mutual of Omaha’s Sales Support at 1-800-693-6083 to customize our Living Promise rate postcard today! If you have questions, please contact Mutual of Omaha’s Sales Support at 800-693-6083 or email sales.support@mutualofomaha.com. Customize Your Own Living Promise Postcard #goldencareagent #mutualofomaha
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Don’t Forget About Our Broker Bonus Program!
Don’t forget! You can make even more bucks on your Medicare supplement and SELECT underwritten business through our 2019 3rd Quarter Broker Bonus Program. Here are the nuts and bolts: Qualification Period: Bonus Program period is from July 1, 2019 to September 30, 2019. Eligible states: Payment will be made on qualified applications in the following states: Alabama Indiana* Montana* Ohio** Texas** Arizona Iowa Nebraska Oklahoma Utah Colorado Kentucky Nevada Oregon Virginia Florida Louisiana New Jersey Pennsylvania West Virginia Georgia Maryland New Mexico South Carolina* Wisconsin* Idaho Mississippi North Carolina South Dakota Illinois Missouri* North Dakota Tennessee**
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Medicare News – Omaha Family of Companies
Medicare Supplement: Upcoming Med Supp Rate Adjustments Please view the upcoming rate adjustments in AL, NC, and TX. August Med Supp Rate Release Please view the upcoming rate release in MI, MO, OH, OK, PA, SC, TN, VI, WA, and WI. Don’t Forget About Our Broker Bonus Program! Don’t forget! You can make even more bucks on your Medicare supplement underwritten business through our 2019 3rd Quarter Broker Bonus Program. One Company, One State – Wyoming As of August 1, 2019, only Medicare supplement in Wyoming underwritten by Mutual of Omaha will be accepted for new business
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AccumUL Answers is Available in California on August 1st
Effective August 1st, AccumUL Answers is approved for sale in California. AccumUL Answers offers your clients both a permanent death benefit and the potential to accumulate a cash value. This provides flexibility down the road if coverage needs change. You can also customize your client’s coverage with a variety of riders, including the riders below. The Accelerated Death Benefit for Terminal and Chronic Illness Riders. The Chronic Illness Rider provides benefits if the insured is unable to perform two of six Activities of Daily Living for 90 consecutive days or has severe cognitive impairment. The Terminal Illness Rider provides benefits
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LTCi Home Health Care Benefits
There are a lot of misconceptions about long-term care insurance, including thinking it is nursing home insurance. In fact, your clients may not realize that having an LTC policy can actually help keep them out of a nursing home. That’s because home health care benefits are built in to our LTCi policies. These benefits will help your client stay at home for as long as possible if the need for long-term care services arises. Whether it’s help with household chores like cooking and cleaning or personal services like bathing and dressing, MutualCare® long-term care insurance policies gives your clients the
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Business Planning Strategies Using the Guaranteed Refund Option
Life insurance can be an important planning tool for business owners. If you have business clients that want a Guaranteed Universal Life product, make sure they understand the additional value provided by the Guaranteed Refund Option rider on United of Omaha’s GUL. The GRO rider provides flexible options for business owners who are planning for the future of their company. And, it is available at no additional cost on qualifying policies. Here are three scenarios in which a life insurance policy with a Guaranteed Refund Option rider can benefit your business clients. If you have questions, please contact Mutual
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