You have met with your client, you have determined the need and the correct coverage, now its time to complete the application. A few things to keep in mind before your submit your application. Top things to watch for before submitting the application: What is your client’s build? — Refer to the build chart to make sure your client is within the height and weight requirements Does your client have any Uninsurable Medical Conditions? — Ask the tough questions of their medical conditions to determine if their condition is on the uninsurable medical condition list Are they working and do
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Fact Finding with your client made easy
Discussing the need for Disability Income insurance with your clients is important. Just as important as the need is the fact finding with your client to determine if they have current coverage, is it enough, and how long do their benefits last. A quick needs assessment can help you uncover a gap in coverage or determine the need to put a Disability Income policy in place to protect your family. Our customer approved “Determine the right Coverage” checklist will help you and your client walk through the steps to protecting their family. Easy to use Fact Finder To learn
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Mutual Income Solutions Highlights
We’ve been offering our disability income insurance product for nearly a year now. Mutual Income Solutions provides flexible or customizable coverage to meet your clients’ needs and help protect their lifestyles. Here are some of the highlights of Mutual Income Solutions: Higher monthly benefit amounts help you target the affluent market. A non-cancelable policy type, which is attractive for white-collar occupations. Optional benefits, including a return of premium rider, allow your clients to customize their policies. Discounts for which your clients may be eligible can help them save money. For more details click here to view our Product Guide.
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Help Your Clients Enhance Their Base Policy
Optional riders are a great way to enhance an already strong base policy. These valuable riders are for your clients who are seeking protection but also want to maximize the number of dollars being spent on disability insurance. No Cost Automatic Increase Benefit Rider – Optional no-cost rider will automatically increase the current policy total monthly benefit by 4% compounded each year during the 6-year term period without evidence of financial insurability. Future Insurability Option Rider – This is an optional no-cost rider that allows the policyholder to increase their base monthly benefit, on each third anniversary of the rider
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Mutual Income Solutions Affordability
Our disability income insurance product, Mutual Income Solutions is affordable coverage that will help replace the loss of an income if your clients become sick or injured and unable to work. When selling our product, do you know the 4 important questions to ask your prospects? Find out what your clients need to know by clicking here. Mutual Income Solutions Affordability #goldencareagent #mutualofomaha #disability
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Mutual Income Solutions Underwriting & Eligibility
Mutual Income Solutions Underwriting Our goal is to provide the best possible offer of disability income insurance to help protect your client’s income. Below are the points of criteria we base each application on: Occupation — Depending on your client’s job duties, we’ll designate an occupation risk class. Health — A health interview and medical tests may be required depending on benefits applied for. Income — Financial underwriting determines your client’s income in order to set the policy’s maximum monthly benefit. For more details, review the Mutual Income Solutions Underwriting Guide. Mutual Income Solutions Underwriting Mutual Income
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Is Your Most Valuable Asset Protected?
Our disability income product, Mutual Income Solutions, is helping cover people all across the country in case they were to become sick or injured and unable to work. Disability income insurance protections help keep your clients from dipping into their savings or retirement account to stay on top of their financial obligations. Cross-selling Mutual Income Solutions can help to protect your clients in other ways too. When cross-selling with life insurance, your beneficiaries can pay off your mortgage or cover final expenses. Cross-selling with long-term care insurance can help pay for the care you need without depleting your assets. Consider
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May is Disability Insurance Awareness Month
May is Disability Insurance Awareness Month Disability Insurance Awareness Month presents a great opportunity to start the conversation with your clients about the importance of a Disability Income product. Mutual of Omaha’s product, Mutual Income Solutions℠ can help your clients protect their lifestyle, their family and their personal savings with income protection. Watch for emails throughout the month of May filled with product information, training opportunities and marketing solutions to get you in front of your clients. #goldencareagent #mutualofomaha #disability
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Disability Income Insurance, Industry News, and Mutual of Omaha (& Affiliates).
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Enhance Existing Disability Coverage
Mutual Income Solutions will provide you with a great opportunity to meet clients who have disability income insurance through their employer. Most group insurance plans may pay up to 60% of their client’s income. If they were to become sick or injured and unable to work, would that be enough to cover their monthly expenses? If your client’s answer is no, then offer them our Mutual Income Solutions product that could provide an additional amount of up to 70%. Use this flyer to help enhance their existing disability coverage. To learn more about Mutual Income Solutions, our new income
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Mutual Income Solutions – Understanding Underwriting
Having trouble understanding our Underwriting process for Mutual Income Solutions? We’ve created a training series video to provide you with comprehensive information regarding our eligibility, employment requirements, and medical guidelines. Check it out by clicking here or on the image below! Remember to visit www.mutualincomesolutions.com for more information about Mutual Income Solutions, our new income protection solution. Mutual Income Solutions – Understanding Underwriting #goldencareagent #mutualofomaha #disability
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