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Mutual of Omaha Insurance Company was chartered in 1909 and offers a diversified line of individual and group health and accident insurance products nationwide.
Mutual of Omaha Insurance Company has been helping our customers build a strong financial future for themselves for over 100 years. Our history is one of demonstrated stability and continued security and success, always striving to meet the needs of our policyholders. We are proud of our strong marks from leading financial rating agencies, including Moody's Investors Service, A.M. Best Company, Inc. and Standard & Poor's.*
Mutual of Omaha is online at MutualofOmaha.com and on Facebook, Twitter, LinkedIn and YouTube
Mutual of Omaha was founded in 1909 under the name Mutual Benefit Health and Accident Association. They originally served as a health an accident insurance company. In 1917 the company was among the first to offer coverage to working women entering the workplace as a result of World War I, and in 1929 Mabel L. Criss became the company’s first woman to hold office when she was elected Vice President and General Manager.
Mutual Benefit, as the company was known at the time, began offering hospital insurance to families as a response to the Great Depression. Later, in 1950, they changed their name to Mutual of Omaha, and in 1966 they were selected by the government to administer the then-new Medicare program.
Today, Mutual of Omaha is known not only for its insurance products but also for its corporate sponsorships, many of which support nature education and conservation efforts.
These are Mutual of Omaha's current products and state availability for 2023, as well as information on contracting and appointment.
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Last review date: 05/25/2023
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Issue ages 18–70.
Guaranteed ADvantage Accidental Death Insurance covers your client in the case of death resulting from an accident.
Guaranteed Advantage Accidental Death is guaranteed issue for all that apply. No health questions, medical exams, or occupational restrictions.
Accidental Death Benefits: $50,000 to $500,000 (increments of $1,000). Spouse coverage is 100% of the proposed insured coverage, and child coverage is 20% of the proposed insured coverage. All accident coverage is 24-hour coverage. Common carrier benefits: Provides an additional death benefit equal to the base accidental death benefit. Auto-Pedestrian Benefit: pays an additional 25% of the accidental death benefit. Family coverage is available.
Optional Rider: Return of Premium Rider is only available for ages 18 to 50; if applying for family coverage, both Insureds must be age 50 and under at the time of application; availability may vary by state.
A spouse can’t be added to the policy after issue. Additional children can be added after issue as long as eligibility requirements are met.
We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.
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Last review date: 05/25/2023
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These products provide a lump-sum cash benefit upon diagnosis of cancer, heart attack or stroke, or a critical illness. Policy benefits can be used any way the beneficiary chooses, giving them extra cash to help pay medical and nonmedical expenses, including:
Issue ages 18 to 64 Critical Illness; issue ages: 18 to 89 Cancer; issue ages 18-89 Heart Attack & Stroke for lifetime coverage.
Coverage plans for an individual, single parent, or family.
Adult coverage: $10,000 to $100,000 on all plans. Coverage options: lifetime coverage, term 10, 15, 20, or 30 years, all plans. Base benefits: lump-sum payment all plans; and return of premium upon death on Critical Illness.
Lump Sum Cancer
This policy is designed to provide benefits for cancer only (internal cancer or malignant melanoma).
Coverage is not provided for other diseases or accidents.
Upon the diagnosis of cancer, the insured will receive a lump-sum payment of 100 percent of the benefit
amount selected. Once the benefit has been paid, the policy will end, unless benefits continue under an
attached rider. Available riders include: Heart Attack & Stroke, Intensive Care, Cash Value.
Lump Sum Heart Attack & Stroke
This policy is designed to provide benefits for heart attack and stroke or the performance of coronary
angioplasty surgery or coronary artery bypass surgery only. Coverage is not provided for other diseases
or accidents. Upon the diagnosis of heart attack or stroke or the performance of coronary angioplasty surgery or coronary artery bypass surgery, the insured will receive a percentage of the benefit amount selected in a lump-sum payment:
insured person during the life of the policy).
Once 100 percent of the benefit has been paid, the policy will end, unless benefits continue under an
attached rider. Available riders include: Cancer, Intensive Care, Cash Value.
Lump Sum Critical Illness
This policy is designed to provide benefits for cancer, heart attack, stroke, Alzheimer’s disease, blindness, deafness, kidney failure, major organ transplant surgery, paralysis or the performance of coronary angioplasty surgery or coronary artery bypass surgery only. Coverage is not provided for other diseases or accidents.
Upon the diagnosis of cancer, heart attack or stroke, Alzheimer’s disease, blindness, deafness, kidney failure, major organ transplant surgery, paralysis or the performance of coronary angioplasty surgery or coronary artery bypass surgery, the insured will receive a percentage of the benefit amount selected in a lump-sum payment:
insured person during the life of the policy).
Once 100 percent of the benefit has been paid, the policy will end, unless benefits continue under an attached rider. Available riders include: Intensive Care, Cash Value.
Return of Premium (Built-in)
If the primary insured dies while covered under this policy, we will return all premium paid under the policy minus benefits already paid under the policy or any attached riders.
General Underwriting Guidelines: Express and simplified. Features and riders may not be available with all policies or approved in all states.
We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.
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Last review date: 05/25/2023
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Issue ages 19–99.
Two competitively priced dental coverage options:
Mutual Dental Preferred and Mutual Dental Protection; a Vision Benefit Rider is optional to enhance either plan. Clients must own the dental insurance policy to purchase this rider. The Vision Benefit provides a reimbursement benefit that pays as follows: up to $50 every calendar year for one eye exam (no waiting period) and up to $150 every two calendar years for eyeglasses or contact lenses (after a six-month waiting period).
Not all states have enhanced plans. See individual plans for details.
We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.
View this information as a web page.
Last review date: 05/25/2023
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Issue ages 18–61.
Accident and Sickness Disability
Issue ages 18-61. Guaranteed renewable to age 67; conditionally renewable to age 75. Noncancelable to age 67; conditionally renewable to age 75. Maximum monthly benefit $20,000. Elimination period 30, 60, 90, 180, 365, 730 days. Benefit period 6 mo., 1, 2, 5, 10. To age 65, 67, 70.
Optional benefits: Automatic Increase Benefit, Future Insurability Option, Extended Regular Occupation, Return of Premium, Cash Value Benefit, Social insurance Supplement, Residual Disability, Enhanced Residual Disability, Mental or Nervous and Substance Abuse, Catastrophic Disability Benefit, Cost of Living Adjustment.
Accident Only Disability
Issue ages 18-61. Guaranteed renewable to age 67; conditionally renewable to age 75. Maximum monthly benefit $5,000. Elimination period 30, 60, 90, 180, 365, 730 days. Benefit period 6 mo., 1, 2, 5, 10.
Optional benefits: Automatic Increase Benefit, Future Insurability Option, Social insurance Supplement.
Simplified Underwriting.
We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.
View this information as a web page.
Last review date: 05/25/2023
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Medicare supplement insurance works to support individual’s Original Medicare benefits and standardized plans are available in most states.
Select from Plan A, B, C, D, F, HFG, G and N. May vary by state. Medicare Select is available in a few states.
If beneficiary is enrolled in Medicare Part A and Part B and is 65 years or older, or has a qualifying disability, they are likely eligible to purchase Medicare supplement insurance. If they apply during their Medicare supplement insurance open enrollment period (a 6-month period starting the first day of the month they’re age 65), they cannot be denied coverage or charged more for a policy based on their health.
Mutual of Omaha’s Medicare supplement policyholders want valuable extras that help them stay fit, stay healthy and keep more money in their pocket. Here’s what they get when they purchase a Med Supp policy from Mutual of Omaha or an affiliate company (more are offered after policy issue). Discount include Mutual Well (healthy living), Amplifon Hearing Health Care, EyeMed Vision Care, and Aloe Care (medical alert communication system).
Some information may vary by state. See state-specific information and rates.
We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.
View this information as a web page.
Last review date: 05/25/2023
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Issue ages 30–79.
Mutual of Omaha offers two types of LTC: MutualCare Secure Solution and MutualCare Custom Solutions. Issue ages: 30 to 79 for both plans; Tax qualified only and partnership qualified.
MutualCare Secure Solution
MutualCare Secure Solution is a good fit for customers looking for easy-to-understand benefit choices.
Built-In Benefits for MutualCare Secure Solution ~ Policy limit: Benefit multiplier determines policy limit, options include 24, 36, 48, or 60 months. Maximum monthly benefit: $1,500 to $10,000 per month in $1 increments. Elimination period: 90, 180, or 365 calendar days. Cash benefit: 30% of home health care benefit up to initial maximum of $2,400 per month.
Nursing home benefit: 100%. Assisted living facility benefit: 50%, 75%, or 100% of maximum monthly benefit. Home health care benefit: 50%, 75%, or 100% of maximum monthly benefit. Adult daycare benefit: Up to 100% of the monthly home health care benefit.
Stay-at-home benefits include caregiver training, durable medical equipment, home modification, and Medicare alert system: Up to two times the maximum monthly benefit.
Bed reservation benefit for nursing home and assisted living facility: 30 days per calendar year.
Respite care benefit: 1 month per calendar year.
Hospice care benefit: Pays maximum monthly benefit; no elimination period applies.
International benefit: Maximum monthly benefit for up to 12 months.
Waiver of premium includes nursing home, assisted living facility, and home health care; and subject to eligibility requirements.
Alternate care benefit: Available when care coordination is used.
Optional partner benefits: Shared care and security benefit.
Other optional benefits: Waiver of elimination period for home health care, nonforfeiture, ROP at death.
Inflation protection options: Lifetime: 3%, 4%, or 5% compound or 20-Year: 3% or 5% compound.
MutualCare Custom Solution
MutualCare Custom Solution is a good fit for customers wanting to customize a policy.
Built-in benefits for MutualCare Custom Solution ~ policy limit: Pool of dollars determines policy limit; options include $50,000 to $500,000.
Maximum monthly benefit: $1,500 to $10,000 per month in $50 increments. Elimination period: 0, 30, 60, 90, 180, or 365 calendar days. Cash Benefit: 40% of home health care benefit up to initial maximum of $2,400 per month.
Nursing Home Benefit: 100%. Assisted Living Facility Benefit: 50%, 75%, or 100% of maximum monthly benefit. Home health care benefit: 50%, 75%, or 100% of maximum monthly benefit. Adult daycare benefit: up to 100% of the monthly home health care benefit.
Stay-at-home benefits include caregiver training, durable medical equipment, home modification, and Medicare alert system: Up to two times the maximum monthly benefit.
Bed reservation benefit for nursing home and assisted living facility: 30 days per calendar year.
Respite care benefit: 1 month per calendar year. Hospice care benefit: Pays maximum monthly benefit; no elimination period applies.
International benefit: Maximum monthly benefit for up to 12 months.
Waiver of premium includes nursing home, assisted living facility and home health care; and subject to eligibility requirements.
Alternate care benefit: Available when care coordination is used.
Optional partner benefits: Shared care, security benefit, joint waiver of premium, and survivorship benefit.
Other optional benefits: Waiver of elimination period for home health care, nonforfeiture, return of premium at death, and professional home health care. Inflation protection options: inflation percentage: 1% to 5% compound in .25% increments; and inflation duration: lifetime, 20, 15, or 10 Years.
Inflation protection buy-up option: Available.
We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.
View this information as a web page.
Last review date: 05/25/2023
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Mutual of Omaha offers 3 plans to ensure you find the plan that is right for you. Plans include 30-day supply at preferred pharmacies and a 90-day supply with home delivery. CVS is the preferred network, including CVS, CVS-Target, Walmart, Sam’s Club, Hy-Vee, H-E-B, Meijer, and regional Rx networks.
Mutual of Omaha RX Essential
Mutual of Omaha RX Premier
Mutual of Omaha RX Plus
Some information may vary by state. See state-specific information and rates.
We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.
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Are you truly getting the service you deserve from your FMO? It can’t hurt to hear other options.
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To access this training you will login at www.Humana.com, then click on the “Get Certified/Recertify” button from the Humana Vantage home page.
If you have completed the Humana PY23 Certification and are currently certified to sell Humana Medicare products, the deadline will be 5:00 pm Eastern on Thursday, November 30, 2023, to complete the PY24 Recertification.
To access this training you will login at www.Humana.com, then click on the “Get Certified/Recertify” button from the Humana Vantage home page.
If you have completed the Humana PY23 Certification and are currently certified to sell Humana Medicare products, the deadline will be 5:00 pm Eastern on Thursday, November 30, 2023, to complete the PY24 Recertification.
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Aetna Medicare will offer two certification options:
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