LTC Sales Idea: Return of Premium

If you have clients who don’t want to end up paying premiums for something they may never use, there’s a feature of the policy that can help ease their concerns. Mutual of Omaha Offers Three Return of Premium Options: Add an optional Return of Premium rider to a long-term care policy. Here’s how it works: If the insured dies while the policy is in force, premiums paid minus any policy benefits received by the insured are refunded to the insured’s beneficiary. ROP Benefit ROP Three Times the Maximum Monthly Benefit Less Claims Paid ROP if Death Occurs Before Age 65
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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).

Critical Illness Has Built-in Return of Premium

A Critical Illness policy provides a direct payment to policyholders if diagnosed with a covered condition. And, if you have clients who are worried about paying premiums for something they may never use, a built-in return of premium can help ease their concern. The built-in return of premium benefit is a unique advantage of our Critical illness product. Any premiums paid minus any policy benefits received will be refunded to a beneficiary upon their death. And there is no additional charge for this benefit. This gives clients the coverage they want with the peace of mind they need. To learn
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Categories: Critical Illness, Industry News, and Mutual of Omaha (& Affiliates).

Critical Illness Has Built-in Return of Premium

If you have clients who don’t want to pay premiums for something they may never use, a built-in return of premium can help ease their concern. The built-in return of premium benefit is a unique advantage of our Critical illness product. Any premiums paid minus any policy benefits received will be refunded to a beneficiary upon their death. This gives clients the coverage they want with the peace of mind they need. To learn more about the return of premium benefit, click here.   Note: Return of Premium is not available in all states. Please check your state policy for
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Categories: Critical Illness, Industry News, and Mutual of Omaha (& Affiliates).