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 DiscoverIUL.com 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