You can still finish the year strong by offering a Critical Illness, Cancer and/or Heart Attack and Stroke product to your current book of business. Medicare Supplement Open Enrollment runs through December 7th. When most seniors are at a time in their lives where income is limited, a Cancer policy is perfect because if pays a lump-sum payment upon diagnosis. This is money that can be used for any out-of-pocket expense such as high deductibles or specialized treatment. Plus, it only takes 3 more questions to apply for a Cancer policy. Find out more information on all Critical Advantage products,
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IUL Express is Here!
Jump in and buckle up! It’s time to pull out into the fast lane! We’re excited to announce that our Indexed Universal Life Express (IUL Express) is off the showroom floor and out on the open road! As of Friday, November 1st, IUL Express peeled out into the IUL market. IUL Express has some of the same benefits of a traditional IUL policy, but does it all faster – faster underwriting, faster approvals and faster coverage for your clients. We also have a host of marketing materials to help you promote and explain IUL Express to your clients, including a
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Updated Product Portfolios and Underwriting Guides
The Life Insurance Underwriting Guidelines and Product Portfolio have been updated and are now available to order. Click below to view/download directly: Underwriting Guidelines Product Portfolio All materials are available to view/download through SPA or can be ordered through your normal channels. If you have questions, please contact your Account Executive or Sales Director. Updated Product Portfolios and Underwriting Guides #goldencareagent #mutualofomaha
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Underwriting Operation: Interview with Chris
Go behind the scenes with Chris Klement. We hope our video series introducing you to some of our underwriters has been helpful. Knowing who’s on the other end of the phone, trying to help you get your clients covered, can be reassuring. This time, we’re introducing you to Chris Klement. He enjoys building relationships with our distribution and thinks of himself as an extension of your salesforce and helping to get the policies issued. In Chris’s words, he’s your “wild card” who can help problem-solve when challenging cases arise. Take a moment to meet Chris – the wild card up
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2020 Copay and Deductibles
The Center for Medicare and Medicaid Services (CMS) has announced the 2020 Medicare Premiums and Copay/Deductibles. Medicare Part B Premium The Medicare Part B standard monthly premium will be $144.60 in 2020, compared to $135.50 in 2019. Note: The income-related Part B premiums for 2020 will vary depending on the extent to which an individual beneficiary’s income exceeds $87,000 (or a married couple’s income exceeds $174,000). 2020 Income Level-File Individual 2020 Income Level-File Joint 2020 Part B Premium Less than or equal to $87,000 Less than or equal to $174,000 $144.60 Greater than $87,000 and less than or equal to
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Coming soon! Flexible payment added to the Critical Advantage e-App
Last month, you heard the news that the pay any day flexible payment option was being added to the Critical Advantage paper application. Now this payment option will be available on the e-application on November 2nd, 2019. This is great news for your clients who prefer to use automatic bank deductions to pay premiums and easier for you to give them this option. Your existing clients that are interested in changing their payment options can log into Customer Access on www.mutualofomaha.com to select their new payment date. Please note, if your customer’s selected date falls on a weekend or holiday,
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Time to Start the Conversation
Did You Know? The U.S. Department of Health and Human Services predicts that 70% of people who reach age 65 will need long-term care services at some point in their lives. There’s no better time than LTC Awareness Month to start talking to your clients about the importance of planning for their long-term care needs. Mutual of Omaha also has the tools you need to begin this important conversation, including tips on how to get people talking plus a variety of materials – flyers, brochures even a short presentation to help you highlight the importance of planning for long-term care.
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Return of Premium Can Help Clients Commit
An ROP rider will return a portion of premiums paid (less any claims paid). When included with a short-term or long-term disability policy, this money-back feature provides a solution for clients who: Need to justify their purchase by knowing they’ll get something tangible in return if they don’t use the policy Are attracted to the idea of getting a lump-sum payment they can use any way they wish, such as paying down their mortgage or other debts, or using it for retirement planning Are employed full time, age 30 – 50 For more information view the ROP Sales Idea here.
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Quick and Easy Underwriting with Critical Advantage
Did you know your clients may be eligible for coverage even if they have been diagnosed in the past for cancer, heart attack or stroke? Check out the great underwriting features for all the Critical Advantage products. Cancer application Cancer look-back is 10 years* Look back testing is 3 years Only 3 health questions Heart attack and stroke application Heart attack/stroke look back is 10 years* Look back for treatment and testing is 3 years Controlled diabetes diagnosis considered Only 4 health questions Critical Illness application Cancer look-back is 10 years* Look back for treatment and testing is 3 years
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Have You Ordered Your IUL Express Materials?
Get ready for when IUL Express peels out into the market this Friday, November 1st. If you haven’t ordered your materials or downloaded your state-specific application packets yet, now is the time. A variety of materials are available, including a: Customer Brochure: view PDF Highlight Sheet: view PDF Allocation Option Sheet: view PDF Product Guide: view PDF Process Guide: view PDF Materials can be ordered through Sales Support or your normal supply channel, and your state-specific application packets can be downloaded through Forms & Materials Library on our Sales Professional Access producer website. Plus, we have a variety of resources
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