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Mutual of Omaha Contracting & Appointment

Mutual of Omaha offers a complete portfolio of supplemental health products and a variety of life insurance products. There are a variety of annuity products to provide reliable income streams and to address the concern of outliving retirement savings. 

Mutual of Omaha and its affiliated companies include Mutual of Omaha Insurance Company ~ Health; United of Omaha Life Insurance Company ~ Life and Annuity, Term, Medicare Supplement and Long-Term Care; United World Life Insurance Company ~ Medicare Supplement; Omaha Insurance Company ~ Medicare Supplement, and Companion Life Insurance Company ~ Life and Annuity (only in the state of New York). 

Mutual of Omaha is online at MutualofOmaha.com and on FacebookTwitterLinkedIn 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.

Mutual of Omaha Products and State Availability

These are Mutual of Omaha's current products and state availability for 2020, as well as information on contracting and appointment.

Guaranteed ADvantage Accidental Death

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State Availability

Current as of 05/07/2020

AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MD ME MI MN MO MS NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Plan Information

Current as of 05/04/2020

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.

  • Guaranteed issue.
  • No health questions, medical exams or occupational restrictions.

Request a Product Kit for Mutual of Omaha Guaranteed ADvantage Accidental Death

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Critical Illness, Cancer, Heart Attack, Stroke

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State Availability

Current as of 05/07/2020

AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS NC ND NE NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Plan Information

Current as of 05/04/2020

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 non-medical expenses, including:

  • Replacing lost income while individual is off work.
  • Continuing to pay ongoing expenses, like mortgage payments, groceries, and utilities.
  • Paying health insurance deductibles and copayments.
  • Hiring home health care or childcare services.
  • Traveling to receive treatment.

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.

  • Issue Age – 18 to 89, 18-54 (Term).
  • Dependent Children – Dependent children are eligible for coverage through age 25 or until date of marriage, whichever occurs first.
  • Family Coverage – Either partner on a family plan may be the primary insured. Premiums will be based on the age of the oldest insured.
  • 30-Day Waiting Period – A 30-day waiting period for cancer coverage begins on the policy effective date.
  • Guaranteed Renewable – The coverage is guaranteed renewable for life or until the end of the term period.

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:

  • 100 percent for heart attack or stroke
  • 25 percent for coronary angioplasty surgery or coronary artery bypass surgery (payable once per

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.

  • Issue Age – 18 to 89, 18-54 (Term)
  • Dependent Children – Dependent children are eligible for coverage through age 25 or until date of marriage, whichever occurs first.
  • Family Coverage – Either partner on a family plan may be the primary insured. Premiums will be based on the age of the oldest insured.
  • Guaranteed Renewable – The coverage is guaranteed renewable for life or until the end of the term period.

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:

  • 100 percent for cancer, heart attack, stroke, Alzheimer’s disease, blindness, deafness, kidney failure, major organ transplant surgery, paralysis.
  • 25 percent for coronary angioplasty surgery or coronary artery bypass surgery (payable once per 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 premiums paid under the policy minus benefits already paid under the policy or any attached riders.

  • Issue Age – 18 to 64
  • Dependent Children – Dependent children are eligible for coverage through age 25 or until date of marriage, whichever occurs first.
  • Family Coverage – Either partner on a family plan may be the primary insured. Premiums will be based on the age of the oldest insured.
  • 30-Day Waiting Period – A 30-day waiting period for cancer coverage begins on the policy effective date.
  • Guaranteed Renewable – The coverage is guaranteed renewable for life or until the end of the term period.

General Underwriting Guidelines: Express and simplified. Features and riders may not be available with all policies or approved in all states.

Request a Product Kit for Mutual of Omaha Critical Illness, Cancer, Heart Attack, Stroke

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

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Dental

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State Availability

AL AR AZ CA CO FL GA IA ID IN LA MI MN MO MS NE NJ NV OH OK OR PA SC SD TN TX WI WV WY

Plan Information

Current as of 05/04/2020

Issue ages 19–99.

  • Guaranteed issue
  • Community-rated.
  • Guaranteed renewable.

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).

  • Calendar Year Deductible: $0 for preventive services and $50 for the basic and major services under the Preferred Plan; and $100 for all services combined under the Protection Plan.
  • Preventive, basic, and major services include cleanings, x-rays, fillings, extractions, emergency treatment, crowns, dentures, bridges, root canals, periodontics, and oral surgery benefits.
  • Calendar year benefit: $1,500 and $1,000 for Mutual Dental Preferred and Mutual Dental Protection, respectively; and the lifetime maximum amount for dental implants: $3,000 under the Preferred Plan; and $2,000 under the Protection Plan.
  • Pretreatment estimates are available for services $200 or more.
  • E-App available (has multiple signature options)

Request a Product Kit for Mutual of Omaha Dental

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Disability

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State Availability

Current as of 05/07/2020

AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Plan Information

Current as of 05/04/2020

Accident Only Disability

Issue ages 18-61. Guaranteed renewable up to age 67. Maximum Monthly Benefit: $5,000. Elimination Period (calendar days): 0/7, 7, 0/14, 14, 30, 60 or 90 days. Benefit Period: 3, 6, 12, or 24 months. Base Benefits: Total/Partial Disability, Presumptive Total Disability, Survivor, Waiver of Premium, Recurrent Disability, and Worker’s Compensation Rider.

Optional Benefits: Accident Hospital Confinement and Accident Medical Expense. Underwriting Available: Simplified.

Short-Term Disability

Issue Ages 18-61. Guaranteed renewable up to age 67; conditionally renewable to age 75. Maximum Monthly Benefit: $5,000. Elimination Period (calendar days): 0/7, 7, 0/14, 14, 30, 60 or 90 days. Benefit Period: 3, 6, 12, or 24 months. Base Benefits: Total/Partial Disability, Presumptive Total Disability, Transplant Donor, Terminal Illness, Survivor, Rehabilitation, Waiver of Premium, Recurrent Disability, and Worker’s Compensation Rider.

Optional Benefits: Hospital Confinement, Critical Illness, Return of Premium, and Accident Medical Expense. Underwriting Available: Simplified, up to $3,000 monthly benefit; and Full Underwriting.

Long-Term Disability

Issue Ages 18-61. Guaranteed renewable to age 67; conditionally renewable to age 75. Maximum monthly benefit: $12,000. Elimination period (calendar days): 60, 90, 180 or 365 days. Benefit period: 2, 5, 10 years or to age 67. Base benefits: total disability, proportionate disability, presumptive total disability, transplant donor, terminal illness, survivor, rehabilitation, waiver of premium, and recurrent disability.

Optional benefits: hospital confinement, critical illness (Alzheimer’s disease, blindness, deafness, heart attack/myocardial infarction, life-threatening cancer, major organ transplant, paralysis, renal failure or stroke),  return of premium, social insurance supplement, extended own occupation, future insurability option, extended proportionate disability, cost-of-living adjustment, and accident medical expense. Underwriting available: full underwriting.

Business Overhead Expense

Issue Ages 20-59. Guaranteed renewable to age 65. Maximum monthly benefit: Ranges from $8,000 – $20,000. Elimination period (calendar days) 30, 60, 90, 180, or 365 days. Benefit period: 12 or 18 months. Underwriting available: simplified, up to $3,000 monthly benefit; and full underwriting.

Elimination and/or benefit period may vary by state. Features and riders may not be available with all policies or approved in all states. BOE product is not available in all states.

Benefits include: Total loss of time benefit, recurrent total loss of time benefit, and waiver of premium

Request a Product Kit for Mutual of Omaha Disability

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

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Medicare Supplement

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State Availability

AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Plan Information

Current as of 05/04/2020

Medicare supplement insurance works to support an individual’s Original Medicare benefits and standardized plans are available in most states.

Select from Plan A, B, C, D, F, HDF, G, or N, may vary by state. Medicare Select is available in a few states.

  • Low out-of-pocket costs.
  • Individuals can keep their doctor that accepts Medicare patients.
  • Guaranteed renewable coverage.
  • E-App available.
  • Signature methods include electronic, voice, and wet

If the 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.

Some information may vary by state. See state-specific information and rates.

Request a Product Kit for Mutual of Omaha Medicare Supplement

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Long-Term Care

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State Availability

Current as of 05/07/2020

AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Plan Information

Current as of 05/04/2020

Issue ages 30–79.

Mutual of Omaha offers two types of LTC: MutualCare Secure Solution and MutualCare Custom Solutions. 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 an initial maximum of $2,400 per month.

Nursing home benefit: 100%. Assisted living facility benefit: 50%, 75%, or 100% of the maximum monthly benefit. Home health care benefit: 50%, 75%, or 100% of the 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.

Request a Product Kit for Mutual of Omaha Long-Term Care

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CareAdvantage

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State Availability

Current as of 05/07/2020

KY OH TX

Plan Information

Current as of 05/04/2020

CareAdvantage offers two Medicare Advantage plans: Care Advantage Complete and Plus.

Mutual of Omaha CareAdvantage Complete (HMO)

$0 Monthly Premium

For those looking for all the coverage that Medicare provides plus extra benefits like dental, vision, and SilverSneakers® in an all-in-one plan.

Mutual of Omaha CareAdvantage Plus (HMO)

$29 Monthly Premium

For those who want an all-in-one plan with greater benefits like comprehensive dental, lower in-patient, and lower maximum out-of-pocket.

Request a Product Kit for Mutual of Omaha CareAdvantage

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Mutual of Omaha Rx (PDP)

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State Availability

Current as of 05/07/2020

AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Plan Information

Current as of 05/04/2020

Mutual of Omaha offers two stand-alone Medicare Prescription Drug Plans (PDPs) in 49 states plus D.C. Plan names are Mutual of Omaha Rx Value (PDP) and Mutual of Omaha Rx Plus (PDP).

Mutual of Omaha Rx Value (PDP):

MONTHLY PREMIUM: RANGES FROM $21.70 – $30.90

Annual Deductible: $0 for Tiers 1 & 2 Generics; $435 for Tiers 3, 4 & 5

Mutual of Omaha Rx Plus (PDP):

MONTHLY PREMIUM: RANGES FROM $46.00 – $63.90

Annual Deductible: $435

Premiums and deductibles may vary by CMS region. The Rx Value plan has an annual deductible on tiers 3-5. The Rx Plus plan has an annual deductible on all tiers. Plans include 30-day supply at preferred pharmacies and 90-day supply with home delivery.

Mutual of Omaha has a network of pharmacies (both standard and preferred), members must generally use these pharmacies to fill prescriptions for covered Part D drugs. If an out-of-network pharmacy is used, the plan may not pay for these drugs, and the beneficiary may pay more than they would pay at an in-network pharmacy. Some of our network pharmacies have preferred cost-sharing. You may pay less if you use these pharmacies.

Some information may vary by state. See state-specific information and rates.

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Mutual of Omaha Documents

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