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1 Companion Life Insurance Company A Mutual of Omaha Company term life 10, 15, 20, 30 product and underwriting guide Y6754_1208 For producer use only. Not for use with the general public.

2 Term Life 10, 15, 20, & 30 Year Options All Term Life Plans Share Many of the Same Great Features and Benefits Target Markets n Young families n Dual-income families n People with long-term debt, such as a mortgage n Families with limited resources and large insurance needs n Business owners Face Amounts The following face amounts are available for Term Life products: Term Life 10 & 15 Term Life 20 & 30 $100,000 - $249,999 $50,000 - $99,999* $250,000 - $499,999 $100,000 - $249,999 $500,000 - $999,999 $250,000 - $499,999 $1,000,000 and above $500,000 - $999,999 $1,000,000 and above * Below $100,000, only Standard Nontobacco and Standard Tobacco risks are available. Underwriting Classifications This policy has separate rates for the following risk classes: n Preferred Plus Nontobacco n Preferred Nontobacco n Standard Plus Nontobacco n Standard Plus Tobacco n Standard Nontobacco n Standard Tobacco This policy also has the ability to insure applicants who may have a health impairment. All Term Life policies may be issued to an Insured who is rated up through Table 16. Each Table rating represents a 25% increase in the standard rates. Policy Fee and Modal Factors The annual policy fee is $60. Payment modes and modal factors are: Annual 1.00 Semiannual 0.52 Quarterly Monthly BSP Policy Exclusions The death benefit will not be paid if the Insured s death results from suicide within two years from the date of issue. Instead, we will pay the sum of the premiums paid since issue. Term Life 10, 15, 20, & 30 Year Policy Riders Policy Riders are Available and Add Flexibility to the Term Life Plans Accidental Death Benefit Rider (Rider 0433Y-0682) Clients ages 18 to 60 may buy additional accidental death insurance. The rider is renewable until the anniversary following the Insured s 65th birthday. The minimum rider amount is $10,000 and the maximum amount varies by issue age and cannot exceed the face amount. Insured s Age Maximum Amount Ages $100,000 Ages $250,000 Dependent Children s Rider (Rider 4005Y-0000) Issue ages of the Insured are The minimum issue face amount is $1,000. The cost for this rider is $10 per $1,000 per year (up to a maximum of $10,000). The premium covers all current and future dependent children. Coverage continues on each dependent child until the earliest event of: (a) the child is no longer a dependent, (b) the base policy or the rider is terminated, (c) on the policy anniversary following the Insured s 65th birthday or on the dependent child s 23rd birthday. The policyowner may convert this rider to any available form of permanent insurance at any time before the Insured s age 65 or the child s age 23, whichever is earlier, without evidence of insurability. Other Insured Rider (Rider 0765Y-0201) This rider is a term life insurance rider. The premium, term duration and issue limits* are the same as the Term Life policy based on the age, sex and face amount of the Other Insured, but with no additional policy fee. The rider provides coverage for an Other Insured, which is any one person other than the Primary Insured. Only one Other Insured may be added per base policy. The conversion privilege for the Other Insured Rider is the same as for the base policy. * For Term Life 20, this rider is available for ages only. Waiver of Premium (Rider 0439Y-0682) This rider may be added on Preferred Plus, Preferred, Standard Plus and Standard risks for issue ages All policy fees, charges and costs of insurance are waived as long as the Insured remains disabled. The rider is renewable until the anniversary following the Insured s 65th birthday.

3 Term Life Year Level Term Life Insurance (Age Last Birthday) This policy is convertible before age 66 to any permanent life insurance product available at the time of conversion. Partial conversions are available as long as all minimum face amount requirements are met. No evidence of insurability is required for conversions. The first 10-year premiums are level and guaranteed for the first 10 policy years. At the end of the 10th policy year, but before age 66, the Policyowner may reapply for a new policy of the same type, with evidence of insurability, which may include a medical exam on the Insured. If the Policyowner elects not to reapply, this policy may be renewed annually in policy year 11 and thereafter, to age 80 (Non-business) or age 95 (Business), without evidence of insurability. The premium rates charged, for policies renewing annually, will be based upon the client s attained age and cannot exceed the annual renewable guaranteed premium rates. Term Life Year Level Term Life Insurance (Age Last Birthday) This policy is convertible before age 66 to any permanent life insurance product available at the time of conversion. Partial conversions are available as long as all minimum face amount requirements are met. No evidence of insurability is required for conversions. The first 15-year premiums are level and guaranteed for the first 15 policy years. At the end of the 15th policy year, but before age 56 the Policyowner may reapply for a new policy of the same type, with evidence of insurability, which may include a medical exam on the Insured. If the Policyowner elects not to reapply, this policy may be renewed annually in policy year 16 and thereafter, to age 80 (Non-business) or to age 95 (Business), without evidence of insurability. The premium rates charged, for policies renewing annually, will be based upon the client s attained age and cannot exceed the annual renewable guaranteed premium rates. Term Life Year Level Term Life Insurance (Age Last Birthday) This policy is convertible before age 66 to any permanent life insurance product available at the time of conversion. Partial conversions are available as long as all minimum face amount requirements are met. No evidence of insurability is required for conversions. The first 20-year premiums are level and guaranteed for the first 20 policy years. At the end of the 20th policy year, but before age 51 the Policyowner may reapply for a new policy of the same type, with evidence of insurability, which may include a medical exam on the Insured. If the Policyowner elects not to reapply, this policy may be renewed annually in policy year 21 and thereafter, to age 80, without evidence of insurability. The premium rates charged, for policies renewing annually, will be based upon the client s attained age and cannot exceed the annual renewable guaranteed premium rates. Term Life Year Level Term Life Insurance (Age Last Birthday) This policy is convertible during the first 15 policy years to any permanent life insurance product available at the time of conversion. Partial conversions are available as long as all minimum face amount requirements are met. No evidence of insurability is required for conversions. The first 30-year premiums are level and guaranteed for the first 30 policy years. This policy may be renewed annually in policy year 31 and thereafter, to age 80 (Non-business) or to age 95 (Business), without evidence of insurability. The premium rates charged, for policies renewing annually, will be based upon the client s attained age and cannot exceed the annual renewable guaranteed premium rates.

4 Companion Initial Underwriting Requirements Amount Being Underwritten: Effective May 8, 2008 $50,000 $100,000 $250,000 $500,000 $750,001 $1, $2, $3,000,001 Over Age: $99,000 $249,999 $499,999 $750,000 $1,000,000 $2,000,000 $3,000,000 $10,000,000 $10,000, Nonmedical Nonmedical Nonmedical Paramed Paramed Paramed Paramed Paramed Paramed Phy Data Phy Data Nonmedical Nonmedical Nonmedical Paramed Paramed Paramed Paramed Paramed Paramed Phy Data Phy Data Nonmedical Nonmedical Nonmedical Paramed Paramed Paramed Paramed Paramed Paramed EKG EKG EKG EKG Phy Data Phy Data Nonmedical Paramed Paramed Paramed Paramed Paramed Paramed Paramed MD Exam EKG EKG EKG EKG TEKG Nonmedical Paramed Paramed Paramed Paramed Paramed Paramed Paramed MD Exam APS EKG EKG EKG EKG EKG TEKG Nonmedical Paramed Paramed Paramed Paramed Paramed Paramed MD Exam MD Exam APS EKG EKG EKG EKG EKG EKG TEKG Nonmedical Paramed Paramed Paramed Paramed MD Exam MD Exam MD Exam MD Exam APS EKG EKG EKG EKG EKG EKG TEKG 71 and Over Nonmedical Paramed MD Exam MD Exam MD Exam MD Exam MD Exam MD Exam MD Exam APS EKG EKG EKG EKG EKG EKG TEKG PHI PHI PHI MVR MVR Key: APS Attending Physician s Statement (at Underwriter s discretion) Blood & HOS Blood & Urine collection EKG Electrocardiogram IR Inspection Report MD Exam Blood & HOS w/m.d. Exam (Specializing in Internal Medicine) MVR Motor Vehicle Report (Ordered from H.O.) Nonmedical A Fully Completed Application Paramed Long Form Exam (form MLU21727) PHI Personal History Interview taken over telephone (Ordered from H.O.) Phy Data Physical Data by Paramed, Blood Pressure and HT/WT TEKG Treadmill Electrocardiogram Paramedical Vendors: American Para Professional Systems (APPS) Hooper Holmes (Portamedic) Minimum Underwriting Requirements Effective May 8, 2008 Underwritten by: Companion Life Insurance Company A Mutual of Omaha Company Lynbrook, NY 11563

5 Preferred Underwriting Criteria NICOTINE Tobacco FAMILY HISTORY (Does not apply if age 65 and older.) Blood Pressure Cholesterol Averaged 3 cholesterols over past 12 months. If available Preferred Plus Preferred Standard Plus No nicotine x 60 months No exception No death of a parent or sibling prior to age 65 due to Cancer, Heart Disease or Diabetes Treatment allowed with good control No reading in past year >135/85 Cholesterol Level <250 and Cholesterol Ratio <5.0 No nicotine x 36 months No exception No death of parent or sibling prior to age 60 due to Heart Disease or Diabetes Treatment allowed with good control Avg BP <145/90 Cholesterol Level <275 and Cholesterol Ratio <6.0 No nicotine x 12 months Occasional cigar, nontobacco available with negative HOS 1 (Note: std plus tobacco is an available class) No death of parent or sibling prior to age 60 due to Heart Disease Treatment allowed with good control Avg BP <152/90 Cholesterol Level <300 and Cholesterol Ratio <7.0 Treatment allowed Treatment allowed Treatment allowed Alcohol & Drug Allowed after 15 years Allowed after 10 years Allowed after 5 years Medical History Driving Record Avocation 2 Aviation 3 CRIMINAL RECORD No history of CAD, DM or Cancer (Basal Cell skin cancer and superficial squamous cell allowed) No convictions for DWI, DUI or reckless driving within the last ten (10) years and no more than two (2) moving violations within the last five (5) years No participation ever in any hazardous occupation, avocation or sport No flying as a private pilot or crewmember unless aviation exclusion No felony convictions in the past 10 years BUILD No exception No exception PROFILE AND HOS 10% allowed in any one test if determined to be of no medical significance No history of CAD, DM or Cancer (Basal Cell skin cancer and superficial squamous cell allowed) No convictions for DWI, DUI or reckless driving within the last five (5) years and no more than two (2) moving violations within the last three (3) years No hazardous activities within the past 2 years No flying as a private pilot or crewmember unless aviation exclusion No felony convictions in the past 10 years 10% allowed in any one test if determined to be of no medical significance No history of CAD, DM or Cancer (Basal Cell skin cancer and superficial squamous cell allowed) No convictions for DWI, DUI or reckless driving within the last five (5) years and no more than two (2) moving violations within the last three (3) years Flat extras are allowed No flying as a private pilot or crewmember unless aviation exclusion (IFR private pilots allowed if standard) No felony convictions in the past 10 years If Male, up to 5 pounds allowed if all other criteria are met If all Standard Plus criteria are met and the laboratory values do not warrant any debits, Standard Plus is allowed 1An occasional celebratory cigar is no more than 12 cigars per year 2Limited scuba diving as a part of vacation or other occasional occurrence is acceptable if depth of dive does not exceed 100 feet 3Some types of commercial aviation may be acceptable based on manual In addition to the criteria above, there must not be any other significant health problems. Final risk determination will be made by the underwriter.

6 Build Charts Preferred Plus Preferred Standard Plus Standard Height Weight 4 Feet 8" " " " Feet " " " " " " " " " " " Feet " " " " " " " " " "

7 Life insurance underwritten by: Companion Life Insurance Company A Mutual of Omaha Company Home Office: Lynbrook, NY mutualofomaha.com Not a deposit. Not FDIC insured. Not insured by any federal government agency. Not guaranteed by the bank. The bank may not condition an extension of credit on your purchase of an insurance product or annuity through the bank or any of its affiliates. You are free to purchase the insurance product or annuity from another source. Policy Forms: Term Life 10, 738Y Term Life 15, 757Y-0598 (non-business). Term Life 15, 749Y-0598 (business). Term Life 20, 763Y Term Life 30, 805Y-0203.

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