Mutual of Omaha. Mark Lyons JD CLU ChFC CEBS MSFS Life Brokerage Sales Director

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1 Mutual of Omaha Mark Lyons JD CLU ChFC CEBS MSFS Life Brokerage Sales Director

2 Product Philosophy We re a full service, multi-line organization. Mutual of Omaha Insurance Company (founded in 1909) Underwrites health and accident coverages, including Medicare supplement, long-term care, disability and critical illness insurance United of Omaha Life Insurance Company, A Mutual of Omaha affiliate company since 1926, underwrites individual life insurance, annuity products and other insurance, including Medicare supplement and long-term care Companion Life Insurance Company, A Mutual of Omaha affiliate company since 1949, underwrites individual life insurance and annuity products in the state of New York

3 Term Life Answers SM Guaranteed Level Term Competitive rates: ages Male & Female Preferred Nontobacco, Standard Nontobacco and Standard Tobacco $62.50 policy fee, commissionable on face amounts under $250,000 Waiver of Premium for Unemployment Provision* Other Insured Rider Offers same great product features as base insured Age Last Birthday Advantage Plus, the ability to backdate a full 6 months Qualifies for Fit underwriting credit program *Rider availability may vary by state.

4 Term Life Answers SM Guaranteed Level Term Exceptional Conversion Privilege Convert to our best UL products igo e-app SM Electronic application solution from ipipeline TM. Available in all states except NY Speed eticket SM A drop ticket process that includes a trusted third-party vendor, EMSI (Examination Management Services, Inc.), to work with your clients on completion of the application. Available in all states except: WA, NY, VA, FL, CT and MA

5 Term Life Answers SM Guaranteed Level Term Conversion Rights Allow conversion through age 74 on 10, 15 and 20 year products even if original term has passed (30 year product must be converted within the first 20 policy years) May convert to best available product Full new business commission paid on conversion

6 Benefits of Speed eticket SM? Easy to complete an application by only asking general client information and policy information Time saving resource for producers Provides access to a trusted vendor for completion of the application health questions Contracted vendor takes care of Paramed order

7 Express Products Simplified Issue Underwriting Term Life Express (Term) Guaranteed Universal Life Express (UL) Whole Life Express (Final Expense) Guaranteed ADvantage (Accidental Death) Children s Whole Life (Whole Life)

8 Term Life Express Simplified Issue Term Quick issue! (No blood, urine, APS) Offers 15, 20 and 30 year products Competitive compensation Simplified issue $50,000 - $400,000 Four riders/provisions included with policy Residential Damage Waiver of Premium Rider Unemployment Waiver of Premium Rider Accelerated Death Benefit Provision Common Carrier Death Benefit Provision Knock-out application Electronic application available

9 GUL Express Simplified Issue Universal Life Quick issue! (No blood, urine, APS) Face amount: $50,000 - $250,000 No lapse lifetime/dial-a-guarantee Accelerated Death Benefit Rider for Terminal and Chronic Illness Guaranteed Insurability Rider

10 Whole Life Express Simplified Issue Final Expense Quick issue! (No blood, urine, APS) Knock out application Issue ages: Level Death Benefit Face Amounts: $5,000 - $50,000 Level DB Benefits never decrease Rates never increase with age Income tax free benefits paid to the beneficiary

11 Guaranteed ADvantage Guaranteed Issue Accidental Death Guaranteed issue! No health questions No occupation questions No driver s license check Issue ages: Face Amounts: $50,000 - $500,000 Family Coverage: Spouse Children Return of premium available Guaranteed renewable to age 80

12 Children s Whole Life Simplified Issue Whole Life Quick issue! (No blood, urine, APS) Two health questions on app Issue ages: 14 days 25 years Face Amounts: $5,000 - $30,000 Can be purchased by Grandparents Guaranteed Insurability provision Ages: 30, 33, 36, 39

13 Mutual of Omaha Thank you.

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