Return of premium riders often are misunderstood. Sure, they may add to the cost of a policy. On the other hand, they can be just what a client needs to feel comfortable making a buying decision. With three return of premium options available on Mutual of Omaha’s MutualCare® Custom Solution policy, you are sure to find one that can turn a skeptical prospect into a confident customer. Read the Sales Idea to learn more. Making a Case for Return of Premium #goldencareagent #mutualofomaha #longtermcare
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Updated: Critical Advantage Product and Underwriting Guide
The Critical Advantage Product and Underwriting Guide has been recently updated. Make sure you are using the most current version by ordering through your normal channels. View the updated guide here If you have any questions, please contact Sales Support at (800) 693-6083 or email sales.support@mutualofomaha.com. Updated: Critical Advantage Product and Underwriting Guide #goldencareagent #mutualofomaha
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NGL EssentialLTC – Updated COVID-19 Underwriting Guidelines
Updated COVID-19 Underwriting Guidelines Based on the evolving COVID-19 situation it has been determined that certain COVID-19 positive individuals may only have to wait one month instead of three or six to apply for coverage. We also eliminated guidelines on negative testing and close contact exposure. The new guidelines focus on COVID-19 positive test results, symptoms and recovery. Effective immediately, the new underwriting guidelines for COVID-19 are as follows: These guidelines have been updated in the Premier Underwriting Guide. It will be available tomorrow in Reference Guides under the Sales & Marketing tab on the Agent Resource Center (ARC). The
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Industry News, Long-Term Care, and National Guardian Life.
Coronavirus, COVID-19, EssentialLTC, field underwriting, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, National Guardian Life Insurance Company, NGL, pandemic, underwriting prequalification, underwriting process, Underwriting', and virus.
Coronavirus, COVID-19, EssentialLTC, field underwriting, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, National Guardian Life Insurance Company, NGL, pandemic, underwriting prequalification, underwriting process, Underwriting', and virus.
Encourage Clients to Purchase LTCi Now, Not Later
Your clients have busy lives. Between family and work obligations, they have a lot going on. So even if they understand the value of long-term care insurance, purchasing a policy often isn’t a top priority. But they may not be aware there’s cost associated with waiting. It’s easy to put things off until tomorrow. But some of life’s decisions are too important to ignore. Waiting to purchase a long-term care insurance policy is one of them. Waiting may mean paying higher premiums down the road. Procrastinating also could lead to the inability to qualify for coverage. That makes this concept
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Ready for next level digital illustration experiences?
The tools you need to close the sale-all in one spot What if every illustration included an interactive web-based client presentation? At Securian Financial, we’ve created an innovative digital illustration presentation page on both Eclipse Accumulator Indexed Universal Life (IUL) and Variable Universal Life (VUL) Defender illustrations. You’ll find this tool makes it simple to present, answer client questions, provide resources and submit cases by providing: an interactive graph based on illustrated values sections for easy product presentation added resources to help your client understand the product and track their policy status once they apply easy-to-access link to submit your
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Filling the Gaps with Cancer Insurance & Heart Attack/Stroke Insurance
According to a recent study, the average couple retiring at 65 will need about $300,000 to cover health care and medical costs in retirement in retirement. Help your clients eying retirement prepare for these costs with coverage from Mutual of Omaha. Mutual of Omaha’s Cancer Insurance and Heart Attack & Stroke Insurance can help your clients fill the coverage gap they may experience in retirement. Learn how to position Cancer Insurance and Heart Attack & Stroke Insurance to clients 65 and older in this Sales Idea flyer. If you have any questions, please contact your Mutual of Omaha’s Sales
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Mutual of Omaha Advanced Markets – 2022 Tax Guide
It’s that time of year again! A new year means a new tax guide from Mutual of Omaha Advanced Markets! The advisor 2022 tax guide will help you plan for your clients throughout the year. A separate client-approved version is available for use with the public, but this one can be a valuable reference tool for you. Keep in mind that the taxes we will all file this Spring are for 2021 and therefore will use the 2021 tax figures. The 2022 updated pieces will help with future planning starting right now. Call us in Advanced Markets if we can
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Long-Term Care Time Service Update
Mutual of Omaha would like to thank you for your Long-Term Care business and the trust you put in us. We are aware that our Long-Term Care application service levels are not where you expect them to be. With our commitment to providing you the quality of service you have come to expect, we are hiring and training additional case managers to help with the workload to ensure your business is handled properly and as quickly as possible. In addition, due to the recent Omicron COVID-19 variant, our Long-Term Care vendor partners are experiencing delays in time service. Significant staffing
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Mutual Income Solutions Underwriting Eligibility and Programs
Mutual of Omaha’s Mutual Income Solutions product offers multiple options to meet your clients’ needs. Eligibility Accident & Sickness Age 18-61 Working 30+ hours per week Annual income of at least $15,000 Self-employed individuals who have been in the business for at least 2 years Employees who have been with their current employer for at least 3 months Accident only Age 18-61 Working 30+ hours per week Annual income of at least $15,000 Maximum Benefit based on Occupational Class Self-employed individuals who have been in the business for at least 2 years Employees who have been with their current employer
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Underwriting hot topic: COVID-19 guidelines extension
COVID-19 guidelines continue until March 31, 2022 In 2020, Securian Financial began implementing participation limits in response to COVID-19. We’ve actively reviewed and updated these participation guidelines as we continued to monitor COVID-19’s impact. The changes we implemented July 1, 2021, will now be extended through March 31, 2022. View guidelines Contact us Questions? Call our Securian Life Sales Support Team at 1-888-413-7860, option 1. #goldencareagent #securian
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