Mutual Income Solutions: Now Available in New York!
Mutual of Omaha’s new disability income insurance product, Mutual Income Solutions, will make it easier to do business with them, while the competitive features and benefits will help your customers select the coverage that best fits their needs.
This disability income insurance product is well-positioned to help agents meet all their clients’ income protection needs, especially those in the affluent market.
Competitive Features and Benefits
Here are the highlights of this new product:
- Increased Benefit Amounts – Maximum monthly benefit of $20,000 per month.
- New Benefit Periods – Help clients who want to extend coverage to a target retirement age.
- Two Policy Types – Clients can select a non-cancelable or guaranteed renewable policy.
- Optional Benefits – Policies can be customized to enhance and expand coverage.
- Valuable Discounts – Help your clients save money with discounts.
What You Need to Know About Long Term Care
Stand alone and hybrid policies can provide solutions to the “what ifs” of aging.
Check out the “What you need to know…” brochure below for information on talking to your clients about retirement and aging and how you can mitigate those risks.
For more information contact Andrea Graham or give her a call at 585-273-8530 ext 3012.
Long Term Care News
Top 10 LTC Considerations
Understanding how medical issues affect long term care underwriting is a valuable tool in assessing your client’s ability to obtain coverage.
This piece offered by Mutual of Omaha will help guide you in assessing your client’s health issues. Have questions? Contact Andrea Graham at firstname.lastname@example.org or give her a call at 585-273-8530.
As one of our “local” weather forecasters likes to say, “April showers bring … more rain in May.” May also provides a good excuse to drink tequila, honor your mother, and celebrate the official “end of Covid emergency” regulations, meaning (among other delights) a return to Medicare’s famous 3-day waiting period. That old rule applies to patients unfortunate enough to be hospitalized for a few days, and/or not officially admitted to the hospital for a few more, before finding out that their rehabilitation in skilled nursing is an out-of-pocket expense. Not to worry, there’s still the PGA, the Lilac Festival and Memorial Day!
The Right Choice
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“Ever since I have made the move to Upstate our Life and Disability production has quadrupled. We aren’t doing anything different but they are. Instant on line term quotes. Rock solid advice and markets for the harder to place risk. Superior support and knowledge. All of this allows me and my staff to feel 100% confident asking our clients for the business knowing that we will get great rates, fast turn around and phenomenal support. Thank you to everyone at Upstate.”
Liz Casper recently helped me with a life case and her efforts were outstanding. I’d met with a new client and together we completed a review of his family’s investment and insurance accounts. Together we decided on doing a 1035 exchange on his life contract to more closely align with his short and long term needs. I won’t get into all the messy details, but suffice it to say we ended up in quite a pickle. After a drawn out application and issue period it appeared that the old policy was irrevocably canceled and the new policy was about to be issued without the design and features we had initially intended. NO ONE was happy! There was a lot of discussion and Liz ended up expertly pleading our case to the new company. The outcome ended up better than our original plan design as the client was able to omit his 1st year premium. This helped tackle a near term cash flow emergency which had cropped up during the underwriting process. A lot of FMO’s might very well have thrown in the towel, and I would have ended up with egg on my face, but Liz didn’t quit. Three cheers for Upstate Special Risk for both their knowledge and determination!”