NAILBA Perspectives Winter 2020 - Page 7

Policies for Every Taste

Income Advantage SM IUL and Life Protection Advantage SM IUL
Simple , Flexible Indexed Universal Life Products from the Company that Listens
Some clients are focused on protection , which is why we created Life Protection Advantage . Others want accumulation , and for them Income Advantage is ideal . But for all clients we offer 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 .
• 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 new 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
We recently enhanced our IUL illustrations in design , functionality and speed . This reinforces our commitment to delivering high quality , simple , transparent products to the IUL marketplace .
Learn more at DiscoverIUL . com !
Rates & Caps do Make the Difference
Income Advantage
Life Protection Advantage
A +
( Superior )
This rating is the 2nd highest of 16 .*
A . M . BEST
100 % Participation
100 % 10 %
100 % 8.5 %
A1
( Good )
This rating is the 5th highest of 21 .*
Higher participation / lower cap
140 % 7 %
140 % 6 %
Participation rates and caps as of November 2020 .
MOODY ’ S INVESTORS SERVICE
Lower participation / no cap
A +
( Strong )
This rating is the 5th highest of 21 .*
S & P GLOBAL
50 % Uncapped
40 % Uncapped
INSURANCE
Life Medicare Supplement Long-Term Care
* as of 10 / 1 / 20
453282 For producer use only . Not for use with the general public .