Do you need quick access to Mutual Income Solutions product information? Bookmark the link below for valuable underwriting information, sales ideas, training videos and access to the e-application platform. Mutual Income Solutions Website Bookmark This Website! #goldencareagent #mutualofomaha #disability
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How Does Disability Insurance Protect Mortgages?
Working professionals rely on their income to pay for monthly expenses, to save for their children’s education, retirement, and so on. That’s where Disability Income Insurance comes into play. Disability Income Insurance protects your clients from more than a loss of income. It protects their lifestyle. A Mutual Income Solutions policy is great for those looking for the ability to cover their mortgage payments, especially if they become sick or injured and unable to work. Click here for more information on how you can offer your clients the coverage they’ll want and the protection they need. How Does Disability
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Optional Return of Premium Rider
Overcome Objections with the Return of Premium Rider While some of your clients may understand the need for disability income insurance, they might still be reluctant to purchase a policy if they don’t think they’ll use the coverage. However, with the optional Return of Premium Rider, they could get back a portion of their premiums if they don’t use the benefits. Watch our informational video for more details: Optional Return of Premium Rider #goldencareagent #mutualofomaha #disability
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Mutual Income Solutions – Premium Discounts
Did you know that there several premium discounts available to your prospects? The premium discounts below can be used in combination with each other, up to a maximum of 30%: Association Group — 15% Self-Employed — 15% Common Employer — 15% Multi-Policy — 10% Two-Person Household — 10% To learn more, download our Mutual Income Solutions Product Guide and view the “Premium Discounts” section on page 22. Premium Discounts #goldencareagent #mutualofomaha #disability
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The Cost of Coverage
Families may face significant changes when the household’s primary wage earner is sick or injured and unable to work. There are bills to pay and other financial obligations to meet. Without the income they rely on, how can the family make ends meet? The cost of coverage is more affordable than they may think. Market to the right clients and learn how to position the product in our Sales Idea. The Cost of Coverage #goldencareagent #mutualofomaha #disability
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Disability Insurance can replace 50-70% of your income
Disability Income can help protect the way your clients live if they become sick or injured and unable to work. Did you know 1 in 4 people will become disabled during their working career? Help protect your clients by explaining the importance of Disability Income Insurance and the benefits of protecting their income, home, savings and retirement. The Need for Coverage To learn more about Mutual Income Solutions, our new income protection solution, visit www.mutualincomesolutions.com. Disability Insurance can replace 50-70% of your income #goldencareagent #mutualofomaha #disability
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What you need to know before you submit a DI application
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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