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WorkersDisability Income Insurance News 

November 2012

Mutual of Omaha's Disability Income Choice
Offers Two New Discounts:
BUILD your sales with two new discount programs that help you grow sales
and provide strong income protection.

Common Employer Discount

The Common Employer Discount offers a discount when three or more individual DI applications are written with a common employer within a 12 month period. Employer sponsorship is not required to take advantage of this discount.

*Premium savings of 15% applied to all policies after the third application is issued

*Allows you to work the small business market without employer approval

*Helps you build your referral base

*Subsequent applications with the same common employer will receive discount at issue


Life/DI Discount

The Life/DI Discount is available at issue to client's who apply for an individual Disability Income policy within 90 days of the application date of a placed United of Omaha Universal Life or Term Life policy.

*Premium savings of 10% on an individual DI policy

*Helps agents grow and diversify their business

*Provides a great follow-up conversation starter with an existing life client

*Creates a financial motivation for clients to purchase DI within a set timeframe


The Agent/Producer Statement has been updated in the application packets to include the new discounts and allow for simple and easy utilization of the programs. Discounts will apply to all applications received on or after November 1, 2012. 


Check out Assurity's Exciting New Underwriting Program: :
Preferred Life/Critical Illness -- Two Birds with One Underwriting Stone!

From Assurity: "In an effort to make it easier to cross-sell Critical Illness plans with your life insurance offerings, we can now use the underwriting from the life sale to offer $50,000-$100,000 of fully underwritten Critical Illness protection!


Click here for a PowerPoint piece that details the new process and includes a list of the twelve approved carriers with whom Assurity will initially launch this program.


Click here for highlights of the program.

Insurance for Critical Times 


Consider for a moment the following statistics:

  1. Every 21 seconds, someone in the U.S. is diagnosed with cancer.
  2. Every 25 seconds, someone in the U.S. will have a coronary event, and about every minute someone will die from one.
  3. Every 40 seconds, someone in the U.S. suffers a stroke. 

All of us know someone who has been touched by a critical illness, whether a family member, friend, neighbor or business associate. It's not just the "big 3"-heart attack, cancer or stroke-but also Alzheimer's disease, renal failure, major organ transplant or loss of limbs. Due to advances in medical science, we are surviving these illnesses much more often. Many of these diseases were untreatable and considered terminal illnesses 40 years ago...read more



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 "Defend your Income" Campaign

The Council for Disability Awareness invites you to join the movement

to protect America's incomes


From CDA: "Working Americans drastically underestimate their risk of disability. They don't understand the potential causes. And most have not adequately protected their income. Let's take a stand. Let's educate wage earners about the risks to their income from illness or injury, and what they should do about it."


Click here for the "Defend Your Income" toolkit for advisors -- access tools and resources to help you working Americans defend their incomes.


Click here for the "Defend Your Income dojo" -- a microsite for consumers to learn how they can protect themselves fro the impact of income loss.


To find out more, contact a member of our DI Marketing Team at 888-841-3045.



The New DAI DI (Disability Income) Help Desk. 
construction worker

We realize Disability Income Insurance can play a key role in your client's overall financial plan, so we have joined forces with one of America's leading DI Marketing organizations and expanded our portfolio of DI products. We have created our Disability Income Help Desk to offer you sales and service support in this highly challenging special area.
In addition to our knowlegeable and dedicated staff we also have added a comprehensive microsite devoted entirely to Disability Income Insurance!
Visit the new microsite regularly for updated news, events, important information and highlights! In the new Forms Section you will find all product guides, rates, state approvals and forms, etc. that you need for each carrier. Visit the Learn & Market section for sales ideas, educational materials and more.


 Locate the link in the Resources section of our website (www.dworkin.com).


Or Contact our DI Help Desk for additional information!

(888) 841-3045


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