Condition-Related Marketing: Physical Therapy If a client is currently undergoing physical therapy, there are some key best practices for producers to follow when taking their application. Check out our Physical Therapy flyer. Condition-Related Marketing: Physical Therapy #goldencareagent #mutualofomaha
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Top LTC Producers with Mutual of Omaha
Under a Palmetto Moon You and your guest will experience a once in a lifetime trip to enchanting Charleston, and you’ll do it in the lap of luxury. You’ll stay in the award-winning Hotel Bennett in the heart of the city, eat seafood that was in the ocean earlier that day and soak up enough sunshine and Southern hospitality to have you saying “y’all” for months. That’s living life Under a palmetto moon. You don’t want to miss it. HOW TO QUALIFY Be one of the top 10 long-term care producers to have at least 150,000 incentive credits with a
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Long-Term Care Application Tips
Our underwriters know your LTCi clients aren’t just a list of diagnoses, and they rely on you to tell them more. They encourage you to paint a picture about your clients’ health, cognitive status and lifestyle. Because the more you can tell them, the better the chance for a positive underwriting outcome. You can do that by gathering as much information as possible from your clients, including: Recent doctors’ visits, lab tests, etc. Any diagnoses they’ve received Learning about any tests, recent surgeries or physical therapy Documenting medications they take Information about their physical and social activities Confirming they have
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Mutual Income Solutions: Now Available in New York!
Our newest disability income insurance product is well-positioned to help meet clients’ income protection needs, especially those in the affluent market. Here are the highlights of our new product: Increased Benefit Amounts – Maximum monthly benefit of $20,000 per month. New Benefit Periods – Helps clients who want to extend coverage to a target retirement age. Two Policy Types – Your clients can select a non-cancelable or guaranteed renewable policy. Optional Benefits – All policies can be customized to enhance and expand coverage. Expanded Occupation Classes – Higher benefit amounts open the door to working with high-paying occupations. Valuable Discounts
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Coming Soon to New York: Mutual Income Solutions
Coming Soon to New York: Mutual Income Solutions You will soon be able to help protect your New York clients’ income in ways you never could before with our new disability income insurance product — Mutual Income Solutions℠. The Need for Disability Income Insurance Clients rely on their incomes to meet their financial needs. A disability income insurance policy helps replace a portion of their incomes if they’re sick or injured and unable to work. It’s financial protection that helps them focus more on their recovery and less on how they’ll cover expenses. How Mutual Income Solutions Stands
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Tips For Long-Term Care Applications
Our underwriters know your LTCi clients aren’t just a list of diagnoses, and they rely on you to tell them more. They encourage you to paint a picture about your clients’ health, cognitive status and lifestyle. Because the more you can tell them, the better the chance for a positive underwriting outcome. You can do that by gathering as much information as possible from your clients, including: Recent doctors’ visits, lab tests, etc. Any diagnoses they’ve received Learning about any tests, recent surgeries or physical therapy Documenting medications they take Information about their physical and social activities Confirming they have
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Updated Life Underwriting Guidelines
The Life Underwriting Guidelines for Term and Permanent Products has been updated, new for January 1, 2023, and is now available to order. Some changes include: Inspection Reports – page 14 The Fully Underwritten Requirements Chart – pages 16 & 17 Fit Program parameters – page 23 Accelerated UW Program – page 26 Impairments – pages 34, 35 & 38 Remember, all materials are available to view/download through SPA or can be ordered through your normal channels. If you have questions, please contact your Sales Director or Account Executive. Updated Life Underwriting Guidelines #goldencareagent #mutualofomaha
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Close the Sale Faster with Automated Underwriting
With Automated Underwriting, you receive a point-of-sale decision day or night with your clients. The process is simple — use the iPipeline iGO e-App on your IUL Express, Living Promise, and Term Life Express applications and it will automatically go through Automated Underwriting. Looking for e-App training, or simply want to understand the process better? Check out our e-App training videos. They walk you through each step of the process – or you can skip ahead to the specific section you need. IUL Express Living Promise Term Life Express Find these helpful resources and more on mutualofomaha.com/simple. No need to
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Industry News, Life Insurance, and Mutual of Omaha (& Affiliates).
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Help Complement Your Clients’ Existing Coverage
The Critical Advantage portfolio of products include Critical Illness Insurance, Cancer Insurance & Heart Attack/Stroke Insurance. These products offer a lump-sum payment, 100% of which is paid directly to your clients upon diagnosis of a covered condition. With Mutual of Omaha’s Critical Advantage products, your client has control of how the money is spent, whether it’s on high deductibles, child care or specialized treatment. Plus, there’s no fee to use the benefit and no waiting period to satisfy. Although clients may have other coverage in place, there’s often an income protection gap that the Critical Advantage products can help fill.
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Change to Underwriting Medical Requirements
Immediate Change to Medical Requirements for Full Underwriting Due to a laboratory test kit being discontinued, our vendor, ExamOne, now requires a blood specimen to complete the panel of tests full underwriting requires. Effective immediately, blood specimens will be required on those adults ages 35 and up for face amounts $0-99,999, on products issued and underwritten by State Life. This change will not impact Underwriting’s processing time and only applies to full underwriting. This does not affect Expedited Underwriting. You can view the complete chart on page 13 of the updated Care Solutions Process Guide, I-33758. Please make sure any
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