Individual Underwriting Guidelines
Mutual of Omaha’s underwriters work to get your business issued. This page contains important underwriting-related information to keep in mind. For complete details, see our Product and Underwriting Guide (login required).
Eligibility
- Coverage is available to individuals working 30+ hours per week
- Issue ages 18-70*
- Annual income of at least $15,000
- Maximum benefit based upon occupation
- Accident-Only Disability: $5,000
- Short-Term Disability: $5,000
- Long-Term Disability: $12,000
- Business Overhead Expense: $20,000
Occupational Classes
Occupational class is important to determine the premium rate and the amount of coverage available to your clients. Each applicant’s specific duties must be accurately described as well as the percentage of time each of the duties is performed. This information, more frequently than the job title, will be the basis for a fair occupational classification.
Mutual of Omaha’s uninsurable occupational classes.
Our Underwriting Call Center is available to assist you. Contact them directly to discuss the details of your case and get fast, reliable answers. You can also email sales.support@mutualofomaha.com.