NAILBA Perspectives Perspectives Fall 2018 | Page 6

Indexed Universal Life Products Your Clients will Understand Most clients aren’t mathematicians and neither are you. So when it comes to planning for their future, simpler is usually better. Mutual of Omaha’s two IUL products, Life Protection Advantage SM & Income Advantage SM , deliver death benefit protection and upside potential using a simple, understandable structure by relying on three crediting strategies. So whether your clients’ goals are protection or accumulation focused we have a policy you can trust. With an IUL policy from Mutual of Omaha, You Can Expect: Rates & Caps do Make the Difference Higher Lower 100% participation/ participation/ participation lower cap no cap • Simple design. With one index, an annual point-to-point crediting method & three crediting strategies, you can explain our products in one simple chart...just like we are! Income Advantage 100% 11.5% 140% 8.5% 65% Uncapped • Peace-of-mind. A Guaranteed Refund Option helps clients Life Protection Advantage 100% 9.5% 140% 7.5% 55% Uncapped feel secure knowing they can get a refund, if needed • Minimized Risk. We cap our index loan charge (most carriers don’t) Competitive rates & caps, straightforward design and the upside potential your clients want…all reasons for you and your client to choose an IUL from Mutual of Omaha. Visit today! Participation rates and caps as of September 2018 A+ A1 Aa- (Superior) (Good) (Very Strong) This rating is the 2nd highest of 16.* This rating is the 5th highest of 21.* This rating is the 4th highest of 21.* A.M. BEST MOODY’S INVESTORS SERVICE STANDARD & POOR’S *as of 9/1/18 Z11720_0818 For producer use only. Not for use with the general public. INSURANCE Life Medicare Supplement Long-Term Care