Disability Insurance and Annuities
Fixed Annuities, Multi-Year Guaranteed Annuities (MYGA) and Immediate Annuities and Disability Insurance from Mutual of Omaha
Annuity Products and Disability Insurance I offer and advise on
The following is exclusive to Mutual of Omaha
What it is:
Ultra Secure Plus is a fixed annuity from Mutual of Omaha designed for individuals looking for guaranteed, tax-deferred growth on their retirement savings. This single premium deferred annuity (SPDA) offers a fixed interest rate for a selected term, making it a secure option for those who want predictable earnings without market risk. Anyone can apply, but eligibility and benefits may vary based on age, investment amount, and state availability.
Pro's and Con's of Ultra Secure Plus - Fixed Annuity
Pros: ✔️
✔️ Guaranteed, fixed interest rate for a set period
✔️ Tax-deferred growth—no taxes on earnings until withdrawal
✔️ Protection from market fluctuations
✔️ Can provide a stable retirement income stream
Cons: ❌
❌ Limited liquidity—withdrawals may incur surrender charges
❌ Interest rates may be lower compared to riskier investments
❌ Penalties apply for early withdrawals before age 59½
❌ Not as flexible as other investment options, such as variable annuities
This product is available thru Mutual of Omaha
What it is:
Ultra Premier 5 is a multi-year guaranteed annuity (MYGA) offered by Mutual of Omaha, designed for individuals seeking stable, tax-deferred growth with a fixed interest rate for five years. This annuity is ideal for those who want predictable returns without exposure to market risks. It requires a single premium payment, meaning you fund it upfront, and your money grows at a guaranteed rate for the chosen term. This product is available to individuals looking for a safe, long-term savings option, particularly those planning for retirement.
Pro's and Con's of Ultra Premier 5:
Pros: ✔️
✔️ Guaranteed fixed interest rate for 5 years
✔️ Tax-deferred growth—pay no taxes on earnings until withdrawal
✔️ No market risk—principal is protected
✔️ Provides a predictable way to grow retirement savings
Cons: ❌
❌ Limited liquidity—early withdrawals may face surrender charges
❌ Interest rate is locked in, meaning no potential for higher returns if rates rise
❌ Early withdrawal before age 59½ may incur IRS penalties
❌ Not as flexible as investment-based retirement options
Static and dynamic content editing
A rich text element can be used with static or dynamic content. For static content, just drop it into any page and begin editing. For dynamic content, add a rich text field to any collection and then connect a rich text element to that field in the settings panel. Voila!
How to customize formatting for each rich text
Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.
Static and dynamic content editing
A rich text element can be used with static or dynamic content. For static content, just drop it into any page and begin editing. For dynamic content, add a rich text field to any collection and then connect a rich text element to that field in the settings panel. Voila!
How to customize formatting for each rich text
Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.