Critical Advantage Portfolio

– a Mutual of Omaha product
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Three different plans, one common goal

Cancer, Heart Attack & Stroke and Critical Illness Insurance Policies
That Pay You Upon Diagnosis

Cancer Insurance Plan

This plan provides $10,000 to $100,000 in coverage, which you will receive if you are diagnosed with Internal Cancer or Malignant Melanoma.

Learn more about this plan

Heart Attack & Stroke Insurance Plan

This plan provides $10,000 to $100,000 in coverage, which you will receive in the event of a Heart Attack or Stroke, or Coronary related surgery.

Learn more about this plan

Cancer + Heart Attack & Stroke + Critical illness Insurance Plan

Looking for complete coverage? The Critical Illness plan of Mutual of Omaha includes both individual plans (Cancer + Heart Attack & Stroke), as well as a variety of other health conditions.

Learn more about this plan

Learn more about
Cancer insurance

What does an Individual Cancer Insurance Policy Cover?

You will receive a 100% benefit payment if you are diagnosed with either internal cancer or Malignant Melanoma.

Plan details:

Issue ages18-89
Benefit amount$10,000 – $100,000
Basic benefitsLump-Sum Payment Upon Diagnosis
Sample Rates*$25,000 – $24/month
$50,000 – $49/month
BrochureDownload the newest brochure

*Unisex sample rates for 40 yr. old with lifetime coverage

Covered Health Conditions:

  • Internal Cancer
  • Malignant Melanoma

Learn more about
Heart Attack & Stroke insurance

What Does an Individual Heart Attack and Stroke Insurance Policy Cover?

If you are diagnosed with either Heart Attack or Stroke conditions, you will receive 100% of your coverage benefit.
If you are diagnosed with either Coronary Artery Bypass Surgery, or Coronary Angioplasty Surgery, you will receive 25% of your coverage benefit.

Plan details:

Issue ages18-89
Benefit amount$10,000 – $100,000
Basic benefitsLump-Sum Payment Upon Diagnosis
Sample Rates$25,000 – $22/month
$50,000 – $45/month
BrochureDownload the newest brochure

*Unisex sample rates for 40 yr. old with lifetime coverage

Covered Health Conditions:

  • Heart attack

  • Stroke conditions

  • Coronary Artery Bypass Surgery

  • Coronary Angioplasty Surgery

Learn more about
Critical Illness insurance

What Does Critical Illness Insurance Cover?

This plan covers you for various health conditions, including those of the two individual plans (Cancer and Heart Attack & Stroke).
Please refer to the table below for covered health conditions, and the paid benefit amount in case of diagnosis.

Plan details:

Issue ages18-89
Benefit amount$10,000 – $100,000
Basic benefitsLump-Sum Payment Upon Diagnosis
Additional FeatureReturn of Premium if you die while coverage is active
Sample Rates$25,000 – $61/month
$50,000 – $123/month
BrochureDownload the newest brochure

*Unisex sample rates for 40 yr. old with lifetime coverage

Covered Health Conditions:

  • Internal Cancer

  • Malignant Melanoma

  • Heart Attack

  • Stroke

  • Alzheimer’s

  • Major Organ Transplant

  • Blindness

  • Paralysis

  • Deafness

  • Kidney Failure

  • CABG Surgery

  • PTCA Surgery

Get the insurance that pays for living

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Or call us at 1-866-816-2100

How The Cancer + Heart Attack & Stroke + Critical illness Insurance Plans Payout

Steps:

  1. Diagnosis
  2. Inform Mutual of Omaha of the diagnosis
  3. Mutual of Omaha sends you a check

Upon diagnoses payment via check or direct deposit is sent directly to you, not the healthcare provider. No receipts or medical bills necessary. It’s that simple.

With the diagnosis of a covered condition comes the reality of medical bills, time off for treatments, monies for living expenses, and for many, the cost of high deductibles. Critical Advantage helps you to focus on your treatment, not your finances.

Medical Underwriting Guidelines

Uninsurable Medical Conditions*

Lump Sum Cancer

The medical conditions listed below are not insurable with lump sum cancer plans:

  • Applicants who have been diagnosed with or treated for Human Immunodeficiency Virus (HIV), Acquired Immune Deficiency Syndrome (AIDS), or Aids Related Complex (ARC), or AIDS related condition.
  • Applicants who within the last 10 years, have been diagnosed with, treated or consulted with a medical professional for internal cancer, malignant tumors, lymphoma, leukemia or melanoma.
  • Applicants who, within the past three years, have been advised by a medical professional to undergo treatment, testing or had tests performed where the results are pending, not been received, abnormal or inconclusive for which a medical professional has not ruled out cancer
  • Upon diagnoses payment via check or direct deposit is sent directly to you, not the healthcare provider. No receipts or medical bills necessary. It’s that simple.
  • With the diagnosis of a covered condition comes the reality of medical bills, time off for treatments, monies for living expenses, and for many, the cost of high deductibles. Critical Advantage helps you to focus on your treatment, not your finances.

Lump Sum Heart Attack & Stroke

The medical conditions listed below are not insurable with Heart Attack & Stroke plans:

  • Applicants who have been diagnosed with or treated for Human Immunodeficiency Virus (HIV), Acquired Immune Deficiency Syndrome (AIDS), or Aids Related Complex (ARC), or AIDS related condition
  • Applicants who, within the past 10 years, have been diagnosed with, treated, been advised to have treatment, prescribed medication, hospitalized or consulted with a medical professional for any disease, disorder or abnormality of the heart or blood vessels, excluding high blood pressure or cholesterol which is considered controlled by a medical professional
  • Applicants who, within the past three years, have been advised by a medical professional to undergo treatment, testing or had tests performed where the results are pending, not been received, abnormal or were inconclusive for which a medical professional has not ruled out a heart or blood vessel condition(s)
  • Applicants who, have been diagnosed with diabetes? (Type 1, Type 2 diagnosed under age of 30, A1C greater than 7.0 within the last 12 months, or with tobacco use.) (Except for Gestational Diabetes)
  • Applicants who fall outside height and weight guidelines specified in the Build Chart on page 11

Lump Sum Critical Illness

The medical conditions listed below are not insurable with Critical Illness plan:

  • Applicants who have been diagnosed with or treated for Human Immunodeficiency Virus (HIV),

    AcquireImmune Deficiency Syndrome (AIDS), or Aids Related Complex (ARC), or any AIDS related condition

  • Applicants who, within the last 10 years, have been diagnosed with, treated or consulted with a medical professional for internal cancer, malignant tumors, lymphoma, leukemia or melanoma
  • Applicants who, within the past three years, have been advised by a medical professional to undergo treatment, testing or had tests performed where the results are pending, not been received, abnormal or inconclusive for which a medical professional has not ruled out cancer
  • Applicants who, within the past 10 years, have been diagnosed with, treated, been advised to have treatment, prescribed medication, hospitalized or consulted with a medical professional for any disease, disorder or abnormality of the heart or blood vessels, excluding high blood pressure or cholesterol which is considered controlled by a medical professional
  • Applicants who, within the past three years, have been advised by a medical professional to undergo treatment, testing or had tests performed where the results are pending, not been received, abnormal or were inconclusive for which a medical professional has not ruled out a heart or blood vessel condition(s)
  • Applicants who have been diagnosed with diabetes? (Type 1, Type 2 diagnosed under age of 30, A1C greater than 7.0 within the last 12 months, or with tobacco use.) (Except for Gestational Diabetes
  • Applicants who, within the last 10 years, have been diagnosed with or treated, prescribed medication, hospitalized, or consulted with a medical professional for any of the following: Kidney Function, Alzheimer’s Disease/Dementia/Cognitive Impairments, Chronic Liver Disease (to include Cirrhosis, Hepatitis B & C), Eye or Ear Disorder/Disease, Neurological Condition (such as Multiple Sclerosis, Parkinson’s, Seizures, Muscular Dystrophy), Organ Transplant, Pulmonary Fibrosis, or Severe Chronic Lung Disease
  • Applicants who, within the past three years, been advised by a medical professional to undergo treatment, testing, or had tests performed where the results are still pending or were inconclusive for any medical condition
  • Applicants who fall outside height and weight guidelines specified in the Build Chart on page 11

* Uninsurable medical conditions may not be the same on all policies or approved in all states. Refer to

your state specific application.

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About Brian Greenberg

Brian is the CEO and Founder of True Blue Life Insurance. Brian is licensed to sell life, health, annuities, and property and casualty insurance in all 50 U.S. states. He is the author of The Salesman Who Doesn't Sell and is a member of the Million Dollar Round Table, an organization that consists of the top 1% of financial advisors worldwide.

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