Planning Tips and Carrier News for Advisors 

Mutual of Omaha's Updated Underwriting Guide

Posted by LTCI Partners | Oct 24, 2018 11:32:58 AM
Mutual of Omaha
5th in a Series | We look at the big picture ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌
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Big-Picture Underwriting

What makes Mutual of Omaha's LTCi underwriting different? Instead of looking for reasons to deny an applicant, we actually search for ways to issue your business.

Our underwriters believe your clients are more than a list of diagnoses. So, they look at everything, including the person's health, cognitive status and lifestyle. That means even if your client has a chronic health condition but is physically and socially active and working with a physician to control the health issue, they may still qualify for coverage.

It all starts with you. Here's what you can do to help ensure your LTCi cases can be issued:

  • Know the Guidelines — Familiarize yourself with our underwriting guidelines so you can be on the lookout for red flags that could make an applicant ineligible for coverage. Download the underwriting guide.
  • Tell Us Everything You Can — The more information you share about an applicant, the better the chance for a positive underwriting outcome.
  • Prequalify Your Applicants — Submit your request for prequalification via email by 2 p.m. Central Time and you'll have an answer by 5 p.m. the same day. Be sure to include the applicant's height and weight, medications taken, disclosed health conditions and tobacco status plus anything else you think the underwriter should know.
    Send your email to:


Watch and Learn

View these short presentations to learn more about Mutual of Omaha's LTCi underwriting. Topics include:.

You'll also find them on the LTCi Underwriting page on Sales Professional Access.

Coming Soon

Our email series continues in two weeks. We'll kick off LTC Awareness Month and share tips to help you find people to talk to.

For producer use only. Not for use with the general public.

© 2018 Mutual of Omaha Insurance Company. All rights reserved.
3300 Mutual of Omaha Plaza  |  Omaha, NE 68175 US


Topics: Underwriting, Mutual of Omaha

Written by LTCI Partners

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