The Advantages of a Full Product Portfolio

No two clients are alike. They have different occupations, diverse needs and unique financial situations. That’s why you need a variety of solutions at your disposal to ensure the right fit for your clients in every situation.

When it comes to income protection, Mutual of Omaha’s Disability Income Choice Portfolio gives you the advantage of multiple, customizable products under a single banner.

The products on both individual and multi-life platforms are:

  • Designed for broad appeal within the middle market
  • Available for issue ages 18-70*
  • Guaranteed renewable with competitive rates
  • Flexible so that your existing clients can take advantage of LTD buy-up opportunities

Take a Closer Look at Product Comparisons**

Product

Maximum
Monthly
Benefit

Elimination
Period

Benefit
Period

Optional
Riders

Accident Only Disability

$5,000

0, 7, 14, 30, 60 or 90 days

3, 6, 12 and 24 months

  • Accident Hospital Confinement
  • Accident Medical Expense Benefit Rider

Short-Term Disability

$5,000

0/7 (accident/sickness), 7, 0/14, 14, 30, 60 or 90 days

3, 6, 12 and 24 months

  • Hospital Confinement
  • Critical Illness
  • Accidental Medical Expense Rider
  • Return of Premium†

Long-Term Disability

$12,000

60, 90, 180 or 365 days

2, 5, 10 years and to age 67

  • Hospital Confinement
  • Critical Illness
  • Social Insurance Supplement
  • Extended Own Occupation
  • Future Insurability Option
  • Extended Proportionate Disability
  • Cost-of-Living Adjustment
  • Accidental Medical Expense Rider
  • Return of Premium†

 

Elimination Period (EP): The number of calendar days before the disability policy begins to pay benefits after a disabling sickness or injury.

Benefit Period (BP): The number of months the disability insurance policy pays benefits, after the EP is satisfied.