United Of Omaha Critical Illness Plans

  Mutual of Omaha is a full-service, multi-line provider of insurance and financial services products.  

It's difficult to predict if and when you will suffer a critical illness-

Who needs critical illness insurance?

If you relate to one of the following descriptions, you should consider critical illness insurance:

  • Your high income precludes you from purchasing enough disability to meet your needs
  • Your high-risk profession prevents qualification for traditional disability coverage
  • You have a high medical deductible
  • You don't have health insurance
  • You're a parent
  • You're self-employed
  • You're a homemaker

How does most critical illness insurance work?

You decide how much coverage you need at a premium within your budget. Upon diagnosis with a covered illness or condition, you receive a check for the amount of coverage you purchased.

Additional features:

  • Your plan is guaranteed renewable as long as your premiums are paid on time
  • Return of premium option. The return of premium benefit is perfect for people who want critical illness insurance, but don't want to feel like they've lost their money if they never use it.

What do I use the lump-sum benefit for?

You can make payments on your mortgage and medical bills, hire help for around the house, pay for day care or elder care, travel to treatments. You decide.

Do you need critical illness insurance if you have other types of insurance?

Medical treatment is more advanced than ever, but it's also more expensive. People today often experience financial hardship because of the expenses their health and disability insurance don't cover.

Determine Your Need

Traditional health insurance is valuable, but often limiting. Because medical treatment is more advanced than ever, it's also more expensive. People today often experience financial hardship because of the medical expenses their health and disability insurance don't cover. Critical illness insurance could be a strong supplement to other health insurance. Determine if you need critical illness by learning what it pays for that other plans don't.

Plan Details

Because our critical illness insurance pays you a cash benefit upon diagnosis of a covered critical illness or condition, you choose how to spend it:

  • Make payments on your mortgage
  • Pay medical bills
  • Hire help for around the house
  • Take a family vacation

Critical Illness Insurance Usually Covers These Illnesses and Conditions

Most critical illness insurance plans pay 100% of your maximum benefit amount for these illnesses and conditions:

Heart Attack (myocardial infarction) when your:

  • Heart's blood supply is blocked
  • Heart has permanent tissue death and scarring
  • Diagnosis is based on new changes on your electrocardiogram (ECG or EKG) and blood tests

Life-threatening cancer when cancer is:

  • Malignant; and
  • Growing uncontrollably outside its original area invading normal tissue

Stroke when:

  • A blood vessel rupture in the brain; or
  • A blood clot blocks blood flow through the brain; and
  • Effects of the neurological injury last for at least 30 days

Alzheimer's disease when:

  • Your neurologist diagnoses you with advanced stages of Alzheimer's; and
  • You require permanent daily supervision; and
  • You cannot do three or more activities of daily living by yourself

Major organ transplant when:

  • There is clinical evidence of major organ failure
  • Your malfunctioning organ (s) or tissue must be replaced with a suitable donor's organ (s) or tissue; and
  • You are registered with United Network of Organ Sharing (UNOS)

Pays 100 percent of your maximum benefit for:

  • Multiple Sclerosis (not in LA)
  • Paralysis
  • Kidney failure
  • Blindness
  • Deafness

Other Company Plans And Info.

Mutual Of Omaha
Mutual Of Omaha Simplified Issue Plans
United Of Omaha Critical Illness Plans
United Of Omaha Long Term care Plans

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A Mutual Association
Mutual of Omaha
Address1 Mutual of Omaha Plaza
Address2 N/A
City Omaha
State NE
Zip 68175
Phone Number 402/342-7600
Fax Number 402/351-2775
WebPage www.mutualofomaha.com

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A Tale Of Two Agents

Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

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Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all insurers thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.

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