The Choice Begins with You
Disability Income Choice provides essential income protection solutions for a wide range of sales situations. Ours is a comprehensive portfolio of products* that protect your clients’ most valuable asset – their income.
- Accident-Only Disability: Helps replace income in the event of an accident-related disability. Benefits begin as early as day one and last up to 24 months
- Short-Term Disability: More comprehensive disability income insurance, covering both accident- and sickness-related disabilities. Benefits begin as early as day one (day seven for sickness) and extend to a maximum of 24 months
- Long-Term Disability: Disability benefits that help replace income for an extended period. Typically benefit periods range from two years or until the client turns 67 after a determined elimination period
- Business Overhead Expense: Provides benefits to help business owners cover fixed monthly business expenses. This coverage pays monthly benefits for 12 or 18 months.
Optional Riders* Offer Additional Benefits
Mutual’s DI Choice Portfolio also helps provide your clients peace of mind with additional riders. Here are some of our optional riders:
- Critical Illness Benefit
Mutual of Omaha will pay clients up to $25,000 as a lump sum benefit if they are diagnosed with certain specified diseases.
- Hospital Confinement Benefit
We’ll pay up to $500 for each day your clients are hospitalized. The benefit doubles for days of confinement in intensive care.
- Accident Medical Expense Benefit
Mutual will reimburse your clients for $1,000, $2,000, $3,000 and $5,000 in medical-related expenses incurred per accident, within 26 weeks of that covered accident.
- Return of Premium Rider
We’ll refund either 50 or 80 percent of a client’s premiums, minus claims paid, after 10 years, depending on the option chosen
- Extended Own Occupation
We’ll extend the own occupation protection past two years, to the duration of the benefit period
- Future Insurability Option
You can increase your clients’ base monthly benefit as their income increases, regardless of changes in health status
- Social Insurance Supplement Rider
This optional rider offers disability income insurance at more affordable premiums than base coverage since disability benefits payable under this rider are offset dollar-for-dollar by other forms of social insurance
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Individual DI Premium Savings
- Association
If your client is a member of a qualifying association, they may qualify for a 15 percent premium savings on their individual DI policy
- Self-Employed
If your client is self-employed, they may qualify for a 15 percent premium savings on their individual DI policy
- Common Employer
Three or more clients who work for the same employer are each eligible for a 15 percent premium savings on their individual DI policies
- Life + DI
Clients who have purchased a fully underwritten United of Omaha Term Life or Universal Life insurance policy in the past 90 days are eligible for a 10 percent premium savings on a Mutual of Omaha DI policy
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Product Highlight Sheets**
