Mutual Income Solutions – Underwriting Basics
Mutual of Omaha’s goal is to provide the best possible offer of disability income insurance to help protect your client’s income. Each case is carefully evaluated based on three underwriting criteria:
- Occupation Depending on your client’s job duties, we’ll designate an occupation risk class.
- Health A health interview and medical tests may be required depending on the benefits applied for.
- Income Financial underwriting determines your client’s income in order to set the policy’s maximum monthly benefit.
To help ensure your clients receive the best solution for their needs, utilize the Underwriting Guide to help navigate your field underwriting process. In the guide you’ll find:
- Underwriting Outcomes
- Common Medical Conditions Outcomes
- Uninsurable Medical Conditions
- General Description of Occupational Classes
- Medical Occupation Classes
- Uninsurable Occupations
- Occupational Classes