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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.

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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
  • Optional benefits allow your clients to customize their policies
  • Discounts for which your clients may be eligible can help
    them save money
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EBP Dashboard

e-Application & Quote Tools

Run a quote online any time of day and use Mutual Income Solutions e-Application to submit business quickly.

Start e-App
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Sales & Marketing Materials

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

Product Information

Learn about the product details.

Underwriting Information

Complete information on underwriting requirements and processes.

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Product Overview

 
Accident and Sickness Disability
Injury and Sickness Disability
Accident Only Disability*
Injury 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, 5M, 4M, 3M

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

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
  • Extended Usual Occupation
  • True Regular Occupation
  • True Usual Occupation
  • Return of Premium (50 or 80%)
  • Cash Value Benefit
  • Residual Disability****
  • Enhanced Residual Disability****
  • Catastrophic Disability Rider
  • Social Insurance Supplement**
  • Social Insurance Substitute*
  • Cost-of-Living Adjustment - 3% & 6%
  • Mental or Nervous Disorder and Substance Abuse Benefits Extension****
  • Automatic Increase Benefit (AIB)
  • Future Insurability Option (FIO)
  • Social Insurance Supplement**
  • Social Insurance Substitute*
Underwriting

Simplified, up to $6,000 monthly benefit
(Issue ages 18-45)

Full Underwriting - $6,001+
(Issue ages 46+)

Simplified, up to $5,000 monthly benefit
Premium
Discounts***
  • Self-Employed (15%)
  • Two-Person Household (10%)
  • Multi-Policy (10%)
  • Association (15%)
  • Common Employer (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.
* Accident Only Disability is not available in California
** 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.
**** Either Residual Disability or Enhanced Residual Disability is required in California.
**** Mental or Nervous Disorder and Substance Abuse Benefits Extension is required in Vermont.

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 Substitute 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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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

Watch Video

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

Help your clients understand the need for disability income insurance.

Length 01:47

Watch Video

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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

Watch Video

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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

Watch Video

Mutual Income Solutions Optional Riders – Part 2

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

Length 04:51

Watch Video

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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

Watch Video

Sales Idea: Supplementing Employee Benefit Plans

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

Length 02:29

Watch Video

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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

Watch Video

Sales Idea: Protecting Self-Employed Individuals

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

Length 01:25

Watch Video

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Market Profile: Optometrist

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

Length 03:32

Watch Video

Market Profile: Attorney

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

Length 03:26

Watch Video

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Market Profile: Engineer

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

Length 03:48

Watch Video

Underwriting Guidelines

Get an overview of our Mutual Income Solutions underwriting guidelines.

Length 03:45

Watch Video

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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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