Mutual of Omaha LTDI Vs. Met-Life LTDI

SWC47

New Member
18
Metlife seems far more competitive with their 5% increasing benefit for the first 5 years at no extra costs. Anyone have any input or experience with either?
 
Metlife seems far more competitive with their 5% increasing benefit for the first 5 years at no extra costs. Anyone have any input or experience with either?

MetLife's Omni Advantage is a much better policy than MoO. I would consider MetLife's policy in the "top tier" of DI policies and the MoO in the second tier.
 
What about Ohio Nationals DI?

I don't sell ON because they are still living in the 1970's and require face to face sales. From what I have seen, it is a decent policy for top 1-2 tiers of occupations and not as good for anything outside of that. Top tier policies IMO would be Guardian, Standard (Protector Platinum), Principal, MetLife (Omni Advantage), Union Central, Mass Mutual.
 
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