What if your clients cannot medically qualify for LTC or an LTC rider? John Felton, President of TBA, sat down with Dave Weber, Life Sales Director at Mutual of Omaha, to discuss the Life Protection Advantage or Income Advantage IUL products. With these policies, the Chronic Illness rider is ALWAYS included, regardless of age, face amount, or rate class. If Mutual of Omaha issues the life insurance contract, the insured will ALWAYS, automatically get the Chronic Illness rider. That's $1,000,000, or 80% of the DB, whichever is less, of Chronic Illness protection.