ID Trends Summer 2022 - Page 40

POLICIES FOR EVERY TASTE

Income Advantage SM IUL and Life Protection Advantage SM IUL
Simple , Flexible Indexed Universal Life Products from a Strong Company
Whether your clients are looking for protection or are focused on accumulation , Mutual of Omaha ’ s IUL products are a perfect fit . We offer a simple design with competitive rates and caps , and a selection of riders that allows for even more personalization .
With a fully-underwritten IUL policy from Mutual of Omaha , clients can expect :
• Simple design . We use a straightforward annual point-to-point crediting method that is easy to explain to your clients .
Rates & Caps Do Make the Difference
100 % Participation
Higher participation / lower cap
Lower participation / no cap
• Minimized risk . We offer a zero percent floor ; plus , we cap our index loan charge — most carriers don ’ t .
• Peace-of-mind . A Guaranteed Refund Option helps clients feel secure knowing they can get a refund if needed .
• Versatility . Clients can choose to add our Long-Term Care rider ; and , for those who don ’ t qualify for ( or purchase ) the LTC rider , we automatically add the Chronic Illness rider at no additional charge .
Income Advantage
Life Protection Advantage
A +
100 % 10 %
100 % 8.5 %
Participation rates and caps as of July 2021 .
140 % 7 %
140 % 6 %
A1
50 % Uncapped
40 % Uncapped
A +
Learn more at DiscoverIUL . com !
( Superior )
This rating is the 2nd highest of 16 .*
A . M . BEST
( Good )
This rating is the 5th highest of 21 .*
MOODY ’ S INVESTORS SERVICE
( Strong )
This rating is the 5th highest of 21 .*
S & P GLOBAL
* As of 6 / 1 / 22
For producer use only . Not for use with the general public .
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