1 Uited of Omaha Life Isurace Compay A Mutual of Omaha Compay term life express 15, 20, 30 product ad uderwritig guide L7595_0908 For producer use oly. Not for use with the geeral public.
2 Safeguardig A Family s Most Importat Asset with Term Life Express This guide describes the specificatios ad features of term life isurace products desiged to provide protectio for mortgage holders. Term Life Express offers a variety of provisios ad optioal beefits that today s homeowers wat. More tha just mortgage isurace, it gives cliets ad their families the peace of mid of kowig that moey will be available to help pay off their mortgage or other debts if they die, or help make their mortgage paymets if they suffer a disability. Term Life Express target markets are: Youg families Dual-icome families People with log-term debts such as a mortgage Families with limited resources ad large isurace eeds Features Ca help pay off debts if they die I the evet of death, provides cash that may be used to pay off debts, eablig the survivig spouse ad childre to keep the curret lifestyle. Ca help provide icome for mortgage paymets if they become disabled I the evet of a covered disability, this rider provides cash that ca be used to make mortgage paymets for either 18 or 30 moths, after a 90-day elimiatio period. Residetial Damage Rider If the primary residece sustais $25,000 or more of damage, this provisio allows the mothly base premiums ad riders to be waived for oe six-moth period. Waives premiums if they become uemployed I the evet of qualifyig uemploymet, provides for premiums to be waived for oe six-moth period. Refuds all premium paid At the ed of the policy term, this rider provides for a refud of all premiums paid if the life isurace is o loger eeded. Product specificatios Terms: Five-Year Guaratee (the premium is guarateed for the first five policy years) 20-year Level Term 20-year Level Term with Retur of Premium 30-year Level Term 30-year Level Term with Retur of Premium Full Guaratee (the premium is guarateed for the etire term) 15-year Level Term 15-year Level Term with Retur of Premium 20-year Level Term 20-year Level Term with Retur of Premium 30-year Level Term 30-year Level Term with Retur of Premium Death Beefit Optios: Level Death Beefit Face Amouts: $50,000 $400,000 (simplified uderwritig) Uderwritig Classes: Simplified Uderwritig Stadard Tobacco Stadard Notobacco Premium Modes: Aual (1.00) Semiaual (.52) Quarterly (.275) Mothly BSP (.089) Grace Period: 31 days Policy Fee: $60 per year, per policy* * I North Carolia the $60 per year applies to the followig: 15-Year Full, 20-Year 5-year, 20-Year Full, 30-Year 5-year, 30-Year Full, without ROP policies Policy Exclusios: The policy s face amout will ot be paid if the Isured s death results from suicide, while sae or isae, withi two years of the date of issue (i CO, MO ad ND, withi oe year). Istead, we will pay the sum of premiums paid sice issue. I MO, beefits will be paid for all causes of death uless evidece shows that suicide was iteded at the time of purchase.
3 Issue Ages Based o Age Last Birthday: Maximum issue ages may vary by state, product ad risk class. Term Guaratee Without ROP With ROP NoTobacco With ROP Tobacco 15-Year Full Year 5-year Year Full Year 5-year Year Full The oted Term Life Express products are ot available for the states listed below State 15/15 ROP 20/5 ROP 20/20 ROP 30/5 ROP 30/30 ROP North Carolia X X Utah X X X X X Pesylvaia X X X X X Washigto X X X X X Vermot X X X X X State Special Issue Ages 15T No-ROP 15T ROP 20T Short Guar No-ROP 20T Short Guar ROP 20T Full Guar No-ROP 20T Full Guar ROP 30T Short Guar No-ROP 30T Short Guar ROP 30T Full Guar No-ROP 30T Full Guar ROP MAXIMUM ISSUE AGE LIMITATION Natioal FL, IN, NJ, OR, PA, UT WA Notobacco Tobacco Notobacco Not Available Tobacco Not Available Notobacco Tobacco Notobacco Not Available Tobacco Not Available Notobacco Tobacco Notobacco Not Available Tobacco Not Available Notobacco Tobacco * Notobacco Not Available Tobacco Not Available Notobacco Tobacco Notobacco Not Available Tobacco Not Available *I WA available issue ages for female tobacco risks are age The Disability Icome Rider is ot available i the followig: 15T with ROP All ages 20T with ROP Ages 46 ad above
4 Term Life Express Uderwritig Requiremets Age Amout beig Uderwritte: $50,000 $250,000 $250,001 $400,000 Simplified Uderwritig Stadard through Table 4 Pharmaceutical Radom Iterview Simplified Uderwritig Stadard through Table 4 Pharmaceutical Phoe Iterview APS (Madatory) Simplified Uderwritig Stadard through Table 4 Pharmaceutical Phoe Iterview Oral Fluids Simplified Uderwritig Stadard through Table 4 Pharmaceutical Phoe Iterview Oral Fluids APS (Madatory) Note: Oral Fluid Kits ca be obtaied o SPA Aget mails Oral Fluid Kit to Lab Kit is processed through Cliical Referece Lab (CRL) ad Chart Maximum 4 Feet 8" 197 9" " " Feet 220 1" 226 2" 232 3" 238 4" 245 5" 251 6" 258 7" 265 8" 274 9" " " Feet 305 1" 313 2" 321 3" 329 4" 338 5" 347 6" 358 7" 367 8" 376 9" " 395
5 Disability Icome Rider Occupatioal Guidelies This sectio is desiged to assist producers i kowig which occupatios are uisurable uder Term Life Express Disability Icome (DI) rider. It is importat that each applicatio accurately describes the applicat s specific duties. Each applicat must have 12 moths of eared icome to be eligible for this rider. If the applicat has more tha oe gaiful occupatio, whether full-time (30 or more hours per week), part-time or seasoal, all must be show. Ay decisio o uisurable occupatios will be based o the oe ivolvig the greatest hazards. Icome from the part-time or seasoal occupatios will geerally NOT be cosidered for determiig mothly beefit amout eligibility/limits. Uisurable occupatios ad examples of some job duties are listed i alphabetical order. For occupatios ot listed, cotact a uderwriter for assistace. The uisurable occupatioal list is a guide. Mutual of Omaha s uderwriters utilizig all available sources of iformatio will determie all fial eligibility. Your assistace i providig precise details of ay applicat s occupatioal duties will be beeficial toward determiig ay fial eligibility status. Uderwritig may require additioal iformatio regardig occupatio ad icome. Uisurable occupatios ad examples of selected duties Acid Maufacturig Acid hadlers, skilled workers, other workers Acrobat Actor/Actress Armed Forces Persoel Asbestos Removal Workers Astrologer Athlete, Professioal Baseball, Basketball, Bowlig, Golf, Jockey, Karate Istructor, Ski Istructor, Skier, Swimmig, Teis Automobile Idustry Assembly Workers, Factory Aviatio Idustry Air Traffic Cotrol Specialist Aviatio Idustry/Aircraft Crew Flight Attedats, Other Pilots or Officers (balloo, bush, test, crop dustig, firefightig, istructor, law eforcemet, cable or pipelie patrol or helicopter) Bailbodsma Bill Collector Repossessig Blaster or Explosive Hadler Broker Floor trader Buildig ad Costructio/Bridge Costructio Paiter, Structural Steel Workers Buildig ad Costructio/Buildig Cleaers, Exterior Sadblasters Buildig ad Costructio/Geeral Costructio Explosive Hadler or Blaster, Paiter (exterior-structural steel), Steeplejack, Structural Steel Workers (icludes metal tak erectio), Tower Erectors, Tuel Workers (shaft or subway) Busboy, Busgirl Casio Workers (Dealers, Pit Boss, workers o floor) Chemical Idustry Acid or Caustic Material Hadlers, Machie Operators, Maiteace Worker, Other Workers, Still ad Tak Cleaers Circus or Carival Workers Acrobat, Aerialists, High Wire Performers, Wild Aimal Hadlers or Attedats Crop Duster (flyig) Diver Dockworker, Stevedore, Wharfworker (water trasportatio) Drivers Ash, Garbage, Trash, Emergecy Vehicle (other tha Fire), Racig (all types), Taxicab Egieer Miig (udergroud mie) Etertaimet Idustry (Movies/Radio/Televisio) Actor/ Actress/Etertaier Explosive Hadler or Blaster Fashio Model Firefighter Fishig Idustry/Fisher Deep Sea Others NEC (icludig divers) Gambler, Professioal Garbage Collector Guard Priso or Correctioal Facility Guide Moutai Climbig or River Health Care Services, Professioal Masseur or Masseuse Horse Breaker Jockey Juk Dealer Law Eforcemet Jailer, Matro, Parole, Probatio, Police Officer Narcotics, Vice or Udercover, Priso Guard Logshore Worker Lumber Idustry/Loggig Raft or River Crew Lumber Idustry/Road Buildig Workers ad Crew Supervisor Lumber Idustry/Sawmills Laborer, Logpile Worker, Other Workers, Pod Worker, Slip Worker Lumber Idustry/Woods Crew Fallers (shear operator), Chopper, Bucker, Busheler, Choke Setter, Chaisaw Operator, Hooker, Rigger, etc. Lumber Idustry/ Yard, Lumber All Workers (o-clerical) Marie Idustry/Seagoig Vessels Cargo Crew Masseur or Masseuse Metal Idustry Workers i furace rooms or those workig with or ear hot metal or slag
6 Miig Idustry Udergroud Workers, Geerally; Hard Rock Miers Miig Idustry/Ope Pit ad Strip Mies Blaster or Explosive Hadler Miig Idustry/Udergroud Mies Blaster or Explosive Hadler, Egieer Musicia Night Club, Restaurats, Louges, Tavers, etc. Pritig ad Publishig Idustry (Books, Newspapers, Periodicals) Author/Novelist/Writer All Others [ot salaried] Public Utilities/Electric Cable Splicer, Power Lie Istaller/ Repairer, Troubleshooter, Tower Erectors, Tree Trimmers, Tuel Workers (shaft or subway) Public Utilities/Telephoe, Telegraph, Cable TV Liema Quarries Blaster Radium Workers Rederig Plat Workers Restaurat/Taver Idustry Barteder (ot ower), Busboy, Busgirl Rodeo Performer Steeplejack Stevedore, Dockworker, Wharfworker (water trasportatio) Structural Steel Workers (icludes metal tak erectio) Stutlady, Stutma Tattoo Artist/Body Piercig Taxicab Driver Trash Collector Tree Trimmer/Surgeo Wharfworker, Dockworker, Stevedore (water trasportatio) Zoo Attedat Wild Aimal Hadlers DI Rider Build Chart Uisex Table 5'0" 183 5'3" 190 5'6" 206 5'9" 227 6'0" 250 6'3" 280 6'6" 305 6'9" 329 5'1" 183 5'4" 196 5'7" 213 5'10" 234 6'1" 259 6'4" 288 6'7" 313 6'10" 339 5'2" 186 5'5" 201 5'8" 220 5'11" 242 6'2" 270 6'5" 297 6'8" 321 Additioal Product Features, Provisios ad Riders Subject to state approval Retur of Premium The ROP feature allows the base isured to receive a refud, up to 100 percet of all premiums paid ito the policy, upo surreder of the policy. For all products, the ROP amout will be reduced by ay Disability Icome beefits paid to the based isured. The ROP amout will retur all premiums, paid ad waived, icludig all policy fees ad all rider premiums. The Retur of Premium percetages ca vary by product, state, age, sex, ad smoker status. Below is a example for the 30/5 ROP product usig a male age 45 Notobacco. Ed of Year Retur of Premium Percetage 1-5 0% 6 1% 7 2% 8 3% 9 4% 10 5% 11 7% 12 9% 13 11% 14 13% 15 15% 16 17% 17 19% 18 21% 19 23% 20 27% 21 32% 22 37% 23 42% 24 48% 25 55% 26 62% 27 69% 28 78% 29 88% %
7 Uemploymet Provisio This provisio has a 6 moth beefit period where we will waive the premiums for the base pla ad all riders if the Isured becomes uemployed. The base pla must be i force for 24 moths (i PA, 9 moths) before uemploymet begis. The elimiatio period is 4 straight weeks of uemploymet where the Isured is receivig state or federal uemploymet beefits.* Proof of uemploymet will be required at the time of claim. This will be a oe time waiver. * I Utah ad Pesylvaia, from ay recogized uemploymet program. Commo Carrier Death Beefit Provisio This provisio provides for a additioal death beefit equal to 100 percet of the origial face amout. If the base isured dies i a accidet while a fare payig passeger o a commo carrier (e.g., airplae, trai, bus, etc.), we will pay the beeficiary the additioal amout. Disability Icome Rider The rider ca oly be added at issue. The premium is guarateed oly for the first year. The Isured ca apply at issue for a maximum mothly beefit equal to the lesser of: 1.5 percet of the face amout at issue or $3,000 per moth or 60 percet of the Isured s mothly gross icome (If group isurace disability coverage is i force, a maximum total beefit of 72 percet of the isured s mothly gross icome may be allowed.) The mothly beefit amout beig applied for will be reduced by the amout of ay idividually owed Disability Icome isurace already i-force. The Isured will also apply for either a 18-moth beefit or a 30-moth beefit. The mothly beefit amout ad the beefit period caot be chaged after issue. The elimiatio period is 90 days. Pre-existig coditios are excluded from coverage durig the first two years of the policy. The miimum mothly beefit amout that ca be applied for is $250. The Isured ca use the 18 or 30 moths of beefit at various times if the disability did ot last the etire beefit period (i.e., iitial disability lasted 12 moths ad so isured has 6 moths of a 18-moth beefit left). Oce the Isured uses up the etire 18 or 30 moths of disability beefits, the rider termiates ad the premium drops off. If the Isured does ot become disabled prior to the earlier of the ed of the level period or age 60, the beefit is o loger available. However, if the Isured is i beefit he/she will cotiue to receive the remaider of the beefit as log as he/ she is still disabled. The rider premium stops o the aiversary date of the level period or the aiversary date followig the Isured s 60th birthday. The defiitio of disability will be Ay Occupatio for the etire 18 or 30 moths. Ay Occupatio disability is defied as the Isured s iability to substatially perform i the usual ad customary way the essetial duties of ay occupatio for which the Isured may qualify by reaso of educatio, traiig or experiece. The et mothly icome disability beefit payable equals the mothly icome beefit show o the policy data pages, reduced by the amout of Social Isurace beefits received, if ay, for the total disability beig claimed. Social Isurace meas disability or retiremet beefits the Isured is receivig due to a curret sickess or ijury. Social Isurace beefits iclude: Social Security Disability or Retiremet Beefits, Workers Compesatio Beefits, Govermet Retiremet ad/or Disability Fud Beefits, ad Railroad Retiremet Act Disability Icome or Retiremet Beefits. Regardless of ay reductio due to Social Isurace, beefits payable for Total Disability uder this Rider will ot be less tha $50 per moth. Waiver of Premium Due to Disability Rider If the Isured becomes totally disabled ad is uable to work, we will waive the premium for the base policy ad all riders through the level period. The elimiatio period is 90 days. This beefit will cotiue as log as the Isured is disabled. If the Isured does ot become disabled prior to the earlier of the ed of the level period or age 60, the beefit is o loger available. The premium for this rider stops o the aiversary date of the level period or the aiversary date followig the Isured s 60th birthday. The defiitio of disability will be Ay Occupatio. Ay Occupatio disability is defied as the isured s iability to substatially perform i the usual ad customary way the essetial duties of ay occupatio for which the Isured may qualify by reaso of educatio, traiig or experiece. The premium will be a percet of the total premium for the base policy ad all other riders. Residetial Damage Rider If the primary residece sustais $25,000 or more of damage, this provisio allows the mothly base premiums ad riders to be waived for oe six-moth period.
8 Accelerated Death Beefit Rider The rider ca oly be added at issue. A Accelerated Death Beefit Rider (o cost) will be available as a additio at issue. The rider provides a lump-sum beefit if the Isured provides evidece that his/her life expectacy is 24 moths or less. The lump-sum beefit is equal to 92 percet of the death beefit. Oce the 92 percet beefit is paid out, the policy will be termiated. I Florida life expectacy is 12 moths or less. The lump-sum beefit is equal to 94 percet of the death beefit. The ABR rider may ot be available i all states. Accidetal Death Beefit Rider The rider ca oly be added at issue. The issue age of the base isured must be The rider termiates ad the premium stops at the earlier of the level period or the aiversary date of the policy followig the Isured attaiig age 65. The ADB amouts available are based o the issue age of the base isured ad are as follows: Miimum ADB Amout: $10,000 Maximum ADB Amout: Issue Ages: = $100,000 Issue Ages: = $250,000 Childre s Rider The rider ca oly be added at issue, ad is available for the base policyower oly. The issue age of the base isured must be The rider termiates ad the premium stops at the earlier of the aiversary date followig the Isured s age 65 or the yougest child attais age 23. The Childre s Rider covers all umarried depedet childre (age 15 days through 20 years (i.e., caot be added after 20 years of age)) who are members of the Isured s household ad listed i the applicatio. Childre bor or adopted after issue of this rider are icluded automatically whe they attai the age of 15 days. Whe the coverage o a child expires, the child may, without evidece of isurability, covert to ay form of permaet isurace up to $5,000 for every $1,000 of term coverage. The aual premium for the Childre s Rider is $10 for every $1,000 of isurace. This rider is available i amouts of $5,000 ad $10,000. OR 1 times the face amout, whichever is less. Premiums will ot vary by sex or smoker classificatio.
9 Life isurace uderwritte by: Uited of Omaha Life Isurace Compay A Mutual of Omaha Compay Mutual of Omaha Plaza Omaha, NE mutualofomaha.com Product base plas, provisios, features ad riders may ot be available i all states ad may vary by state. Policy forms: Full Guaratee 15-year level term: B630LNA07P, or state equivalet. I OK, B832LOK07P. I OR, B842LOR07P. I PA, B852LPA07P. I TX, B892LTX07P. 15-year level term with retur of premium: B631LNA07P, or state equivalet. I OK, B833LOK07P. I OR, B843LOR07P. I PA, B853LPA07P. I TX, B893LTX07P. 20-year level term: B628LNA07P, or state equivalet. I OK, B830LOK07P. I OR, B840LOR07P. I PA, B850LPA07P. I TX, B890LTX07P. 20-year level term with retur of premium: B629LNA07P, or state equivalet. I OK, B831LOK07P. I OR, B841LOR07P. I PA, B851LPA07P. I TX, B891LTX07P. 30-year level term: B634LNA07P, or state equivalet. I OK, B836LOK07P. I OR, B846LOR07P. I PA, B856LPA07P. I TX, B896LTX07P. 30-year level term with retur of premium: B635LNA07P, or state equivalet. I OK, B837LOK07P. I OR, B847LOR07P. I PA, B857LPA07P. I TX, B897LTX07P. Five-Year Guaratee 20-year level term: B626LNA07P, or state equivalet. I OK, B828LOK07P. I OR, B838LOR07P. I PA, B848LPA07P. I TX, B888LTX07P. 20-year level term with retur of premium: B627LNA07P, or state equivalet. I OK, B829LOK07P. I OR, B839LOR07P. I PA, B849LPA07P. I TX, B889LTX07P. 30-year level term: B632LNA07P, or state equivalet. I OK, B834LOK07P. I OR, B844LOR07P. I PA, B854LPA07P. I TX, B894LTX07P. 30-year level term with retur of premium: B633LNA07P, or state equivalet. I OK, B835LOK07P. I OR, B845LOR07P. I PA, B855LPA07P. I TX, B895LTX07P. For producer use oly. Not for use with the geeral public.
Uited of Omaha Life Isurace Compay A Mutual of Omaha Compay term life express 15, 20, 30 product guide L7595_0911 For producer use oly. Not for use with the geeral public. 1 Safeguardig A Family s Most
Uited of Omaha Life Isurace Compay A Mutual of Omaha Compay term life complete 15, 20, 30 product guide L7763_0911 For producer use oly. Not for use with the geeral public. 1 Safeguardig A Family s Most
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