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Mutual Income Solutions helps meet all of your clients income protection needs, with monthly benefit amount options from $300 to $20,000.

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Building on the Company’s Long History

Mutual Income Solutions builds on Mutual of Omaha’s more than 100 years’ experience providing income protection solutions to our customers. With a maximum monthly benefit of up to $20,000 per month, Mutual Income Solutions provides flexible or customizable coverage to meet your clients’ needs and help protect their lifestyle.

Product Highlights

Here are the highlights of Mutual Income Solutions:
  • Higher monthly benefit amounts help you target the affluent market
  • A non-cancelable policy type, which is attractive for white-collar occupations
  • Optional benefits, including a return of premium rider, allow your clients to customize their policies
  • Discounts for which your clients may be eligible can help them save money
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Sales & Marketing Materials

Use these materials to start the income replacement conversation with your clients.

Underwriting Information

Complete information on underwriting requirements and processes.

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Mutual Income Solution Videos



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Introducing our New DI Product

Learn how the difference is obvious with Mutual Income Solutions.

Length 02:10

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Consumer Video: Disability Income Insurance Helps Protect the Way You Live

Help your clients understand the need for disability income insurance.

Length 01:47

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Consumer Video: Disability Income Insurance Helps Protect the Way You Live

Help your clients understand the need for disability income insurance.

Length 01:47

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Mutual Income Solutions Overview

Help your clients understand that their income is their most valuable asset.

Length 03:40

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Mutual Income Solutions Product Details

Learn how a Mutual Income Solutions policy can be customized to meet your clients’ needs.

Length 05:13

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Mutual Income Solutions Optional Riders – Part 1

Learn about our optional riders, which can enhance a Mutual Income Solutions policy.

Length 03:13

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Mutual Income Solutions Optional Riders – Part 2

Learn about our optional riders, which can enhance a Mutual Income Solutions policy.

Length 04:51

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Sales Idea: Protecting Your Clients’ Mortgages

Learn how disability income insurance can protect your clients’ home, savings and lifestyle.

Length 01:47

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Sales Idea: Supplementing Employee Benefit Plans

Your clients can benefit from additional coverage to enhance their existing disability coverage.

Length 02:29

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Sales Idea: Return of Premium Rider Offers Refund Option

Learn how your clients could get back a portion of their Mutual Income Solutions premium payments.

Length 01:44

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Sales Idea: Protecting Self-Employed Individuals

Self-employed individuals have unique needs because they rely on income from their business.

Length 01:25

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Market Profile: Optometrist

Learn about the types of disability income insurance policies typically purchased by optometrists.

Length 03:32

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Market Profile: Attorney

Learn about the types of disability income insurance policies typically purchased by attorneys.

Length 03:26

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Market Profile: Engineer

Learn about the types of disability income insurance policies typically purchased by engineers.

Length 03:48

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Underwriting Guidelines

Get an overview of our Mutual Income Solutions underwriting guidelines.

Length 03:45

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Materials to Help Boost Your DI Sales Efforts

Target clients and prospects who are a great fit for Mutual Income Solutions.

Length 03:38

Watch Video

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Accident and Sickness Disability
Accident Only Disability
Issue Ages

18-61

18-61

Guaranteed
Renewability

Guaranteed renewable to age 67
Conditionally renewable to age 75

Guaranteed renewable to age 67;
Conditionally renewable to age 75

Noncancelable

Noncancelable to age 67;
Conditionally renewable to age 75

N/A

Occupational
Classes

6A ,5A, 4A, 3A, 2A, 1A, 5M, 4M, 3M, 2M

6A ,5A, 4A, 3A, 2A, 1A, 5M, 4M, 3M, 2M

Maximum Monthly
Benefits**

$20,000

$5,000

Elimination Period
(calendar days)

30, 60, 90, 180, 365, 730

30, 60, 90, 180, 365, 730

Benefit Period

6 mo., 1, 2, 5, 10
To Age 65, 67, 70

6 mo., 1, 2, 5, 10

Base Benefits
  • Total Disability
  • Presumptive Total
  • Survivor
  • Transplant
  • Rehabilitation
  • Recurrent Disability
  • Waiver of Premium
  • Suspension during Military Service
  • Total Disability
  • Presumptive Total
  • Survivor
  • Rehabilitation
  • Recurrent Disability
  • Waiver of Premium
  • Suspension during Military Service
Optional Benefits
  • Automatic Increase Benefit (AIB)
  • Future Insurability Option (FIO)
  • Extended Regular Occupation
  • True Regular Occupation
  • Return of Premium (50 or 80%)
  • Cash Value Benefit
  • Residual Disability
  • Enhanced Residual Disability
  • Mental or Nervous and Substance Abuse
  • Cost-of-Living Adjustment (3% and 6%)
  • Social Insurance Supplement*
  • Automatic Increase Benefit (AIB)
  • Future Insurability Option (FIO)
  • Social Insurance Supplement*
Underwriting

Simplified, up to $6,000 monthly benefit

Full Underwriting - $6,001+

Simplified, up to $5,000 monthly benefit

Premium
Discounts**
  • Common Employer (15%)
  • Self-Employed (15%)
  • Two-Person Household (10%)
  • Multi-Policy (10%)
  • Association (15%)
  • Maximum discount up to 30%
Premium Payment
Options
  • Automatic Bank Withdrawal
  • Annual, Semi-Annual, Quarterly, or Monthly

Note: Elimination Period and/or benefit period may vary by state. Features and riders may not be available with all policies or approved in all states.
* Social Insurance Supplement rider required on 2A, 1A, & 2M occupational classes to obtain maximum monthly benefit
** Percentage and/or available discount may vary by state.

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