---
title: Mutual of Omaha- LTCI Underwriting
description: Mutual of Omaha underwriting webinar 2019
image: https://www.mutualofomaha.com/esp/images/MoO_Logo_Blue.png
---

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- [Consumer Planning Blog](https://www.ltcipartners.com/planning-for-long-term-care-in-america)
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[Jun 29, 2026

### John Hancock in-force rate action for select states

](https://www.ltcipartners.com/carriernews/john-hancock-in-force-rate-action-for-select-states)

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May 31, 2019 • [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

## Mutual of Omaha- LTCI Underwriting

- [Underwriting](https://www.ltcipartners.com/carriernews/topic/underwriting)
- [Mutual of Omaha](https://www.ltcipartners.com/carriernews/topic/mutual-of-omaha)

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Mutual of Omaha

Knowing and Using Your Resources ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

 ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

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| Case Study: A New LTC Producer Uses Underwriting Tools to His Advantage Don is a new long-term care insurance agent based in St. Louis. As he learns the industry and product, Don has found it useful to carry the MutualCare® Solutions Underwriting Guide as an aid while screening clients. Recently, Don was working with a 65-year-old male applying for the Secure solution. Having already familiarized himself with the build chart before the meeting, Don knew to quote no better than Class 1 based on the client's height and weight. However, during the prescreen Don learned of a pre-diabetes diagnosis. Unsure how to proceed, Don consulted the Underwriting Guide. Under "Diabetes" the guide advised to use a Diabetes questionnaire for prescreening. Don immediately downloaded the questionnaire, he went over the questions with the client and no answers raised a red flag. Don submitted the application and the completed questionnaire. The application and questionnaire were reviewed by the underwriter, medical records confirmed the client's build and no issues with diabetes or prediabetes were noted in medical records. The policy was issued at a Class 1 rate. Tips: Using the new, portable LTC Underwriting Guide enabled Don to effectively complete the client's application. By utilizing the Diabetes questionnaire provided by our underwriting team, the application was reviewed and issued smoothly. In addition, Don was able to set realistic expectations on his client's premium by quoting the appropriate rate class. Check out our current MutualCare® Solutions Underwriting Guide here!   Our Next "Underwriting Operation" Webinar Topic: Let's Talk About Our Underwriting Guidelines When: Thursday, June 20 at 10 am CT Conference Number: 1-866-220-3018 Conference ID: 5172044 We invite you learn about the underwriting guidelines Mutual of Omaha is currently reviewing - do you agree? We want your feedback on, and also gather more insight on what you'd like to see change in the future. |

|     © 2019 Mutual of Omaha Insurance Company. All rights reserved. 3300 Mutual of Omaha Plaza Omaha, NE 68175, US   Campaign E3582_0519   |
| --- |

 

![](https://86ohron7.emltrk.com/86ohron7?d=pat.bradley@ltcipartners.com) ![](http://click.e.mutualofomaha.com/open.aspx?ffcb10-ff3212727666-fe8d1c787460007b76-fe36157075640475721677-ff61167673-fe9316727c67057f7c-ffcd16&d=100008)

## Written by [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

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