Critical Advantage Sales Idea: Coverage for a Non-Working Spouse

When working with clients who are or have a non-working spouse, it’s important to remember that the term “non-working spouse” is misleading. These individuals contribute just as much – if not more – to the health and vitality of the household. Unfortunately, they don’t receive the same protection as their “working spouse.” In fact, many companies don’t offer the same insurance coverage on non-working spouses.

This means if they were to fall ill, their inability to perform their vital tasks could have critical financial implications for a family.

Consider the additional expenditures should a family have to pay for an outside service to perform the following:

• Household cleaning and maintenance
• Grocery shopping and meal prep
• Childcare or home health care

These additional expenditures would be on top of the amount needed to cover healthcare deductibles, doctor visits, treatment and medication.

A lump sum payment from Mutual of Omaha’s Critical Advantage products upon diagnosis mean the non-working spouse can focus on what really matters – recovery.