Mutual of Omaha’s LTCi products allow you to sell the way you prefer.
- Prepackaged policies offer ease and simplicity
- Customizable policies can be tailored to a client’s specific situation
- A niche product focuses on our unique cash benefit and empowers policyholders to determine how best to spend policy benefits
- New multi-life programs are designed to attract younger buyers
All products contain unique benefits and features you may not find from other companies, including:
- Cash benefit with no elimination period
All policies contain a built-in cash benefit option that, when elected, makes cash available in advance each month.
- Depending on the policy, pays from 35 to 50 percent of the home health care maximum monthly benefit
- No elimination period to satisfy to qualify for cash
- Cash can be used any way the client chooses without having to submit receipts for reimbursement
- Clients have the flexibility to switch to traditional reimbursement benefits at any time as the need for care increases (the policy’s elimination period will apply for reimbursement benefits)
- Single premium payment option on individual policies
All individual policies include a single premium payment option that allows the policyholder to make a one-time premium payment.
- One-time premium payment guarantees a lifetime benefit with potential tax advantages
- Good prospects include business owners looking to reduce the company’s tax burden
- Selling an individual policy to the business owner opens doors to a multi-life sale for the business
- Modified guaranteed issue underwriting on multi-life programs
All multi-life policies offer a modified guaranteed issue underwriting program – something you won’t find from any other company.
- Ease of a short-form application
- Only three insurability questions
- Available with employer-paid programs
- Just 10 eligible and participating employees to qualify
And all are backed by the strength of the Mutual of Omaha name.
Note: Not available in CA, MA, MD, PA, TX, VT.
