LTC Sales Idea: Return of Premium

If you have clients who don’t want to end up paying premiums for something they may never use, there’s a feature of the policy that can help ease their concerns.

Mutual of Omaha Offers Three Return of Premium Options:

Add an optional Return of Premium rider to a long-term care policy. Here’s how it works: If the insured dies while the policy is in force, premiums paid minus any policy benefits received by the insured are refunded to the insured’s beneficiary.