Mutual of Omaha

Pre-appointment States: MT, PA, OK

E&O Insurance: Required for Term Life Answers, Income Advantage, AccumUL Answers

States where a licenses is required for over ride commissions: GA, MA, MT, NM, PA, UT, VA

Agents selling stand-alone DI or CI products must have a health license.

Additional resources, such as applications, can be found by visiting the carrier's website and accessing its agent portal once you have completed the contracting process.

Your compensation depends on your commission level with HFN, the product you're selling, the age of your client, and sometimes the state you're selling it in. Contact your manager and the carrier if you have questions about your commission for a certain product.

Effective, February 1, 2022, the TLE 30T Return of Premium (ROP) product now has Critical Illness and Chronic Illness Riders (except in California) available in addition to the Terminal Illness Rider. You can now sell Living Benefits - at no additional cost - on IUL Express, TLE non-ROP and TLE ROP products.