Life Insurance Underwriting Guidelines

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United of Omaha Life Insurance Company Companion Life Insurance Company Mutual of Omaha Affiliates

Life Insurance Underwriting Guidelines brokerage As of July 2014

For Term and Permanent Products Ask your underwriter about the Fit underwriting credit program!

Producer use only. Not to be used with the General Public. LY27455_0714

Table of Contents

Life Underwriting

Page Life Underwriting . . . . . . . . . . . . . . . . . . . . . . 3 Underwriting Teams . . . . . . . . . . . . . . . . . . . . 3 Underwriting Strengths . . . . . . . . . . . . . . . 4-5 Fully Underwritten Applications . . . . . . . . . 6 Simplified Applications . . . . . . . . . . . . . . . . . 7 Whole Life Application . . . . . . . . . . . . . . . . . 7-8 Conditional Receipt . . . . . . . . . . . . . . . . . . . . 9 Temporary Life Insurance Agreement (TIA) . 10 Maximum Autobind and Retention Limits . . . . . . . . . . . . . . . . . . . . . . . 11 Testing of Proposed Insured . . . . . . . . . . . . 12 Approved Paramedical Companies . . . . . . . 13 Attending Physicians’ Statements and Guidelines . . . . . . . . . . . . . . . . . . . . . 13-15 Inspection Reports . . . . . . . . . . . . . . . . . . . . 16 Motor Vehicle Records . . . . . . . . . . . . . . . . . 16 Financial Underwriting . . . . . . . . . . . . . . . . . 16 Fully Underwritten Guidelines for Juvenile Life Insurance . . . . . . . . . . . . . . . . . 19 Underwriting – Fully Underwritten products . . . . . . . . . . 22-23 Underwriting Criteria . . . . . . . . . . . . . . . . 24-26 Build Chart – Fully Underwritten . . . . . . 28-29 Underwriting – Express . . . . . . . . . . . . . . 30-31 Build Chart – Express and Disability Chart . . . . . . . . . . . . . . . . . . . . . . 32-33 Express Impairments TLE, GULE . . . . . . . . . 34 Whole Life Underwriting Criteria . . . . . . . . . 35 Impairments . . . . . . . . . . . . . . . . . . . . . . . 36-47 Occupations and Avocations . . . . . . . . . 48-51 Fit Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . 52 Non-Smoker/Non-Nicotine Qualifications . . . . . . . . . . . . . . . . . . . . . . . . . 53 Statement of Policyowner Intent . . . . . . . . . 53 Term Conversion Guidelines . . . . . . . . . 54-56

Mutual of Omaha appreciates your business and is committed to providing you with the tools that improve the underwriting process. You will find that in this easy to use reference guide, we have included valuable information including our requirements grid, build chart, paramed vendors and much more.

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Underwriting Teams Here at Mutual of Omaha, we have a very experienced and knowledgeable underwriting team. We review each case carefully to give your clients the best offer and look to see if any of our Fit underwriting credits apply. We also offer trial and quick quotes processes to give you an idea of our position on certain cases. Our team is here to help you place business. Give us a call directly with any questions you may have at 1-800-775-7896 or contact your underwriting team.

Underwriting Strengths Medical Tobacco • Occasional cigar users (one per month or less) can qualify for Preferred Plus, Preferred & Standard Plus nontobacco rates if there is a negative urinalysis test • Clients who occasionally use marijuana may qualify for standard nonsmoker rates • Preferred tobacco class available Family History • Family history qualifications do not apply if the proposed insured is 60 or older for Preferred Plus, Preferred & Standard Plus classes • Family history qualifications apply only to deaths rather than disease • Family history of deaths due to diabetes can qualify for Preferred Plus, Preferred and Standard Plus

Non Medical • Commercial pilots for regularly scheduled passenger airlines can qualify for all Preferred classes and private pilots can qualify for Preferred Plus, Preferred or Standard Plus classes with Aviation Exclusion Rider (AER) • All Preferred classes may be available for occasional scuba diving if proposed insured is certified and dives less than 100 feet • Age Last Birthday Advantage Fit underwriting credit program – up to 2 table credits possible through age 75 and face amounts through $5,000,000 ($10,000,000 on GUL Survivor)

Health Conditions

• Mild Asthma clients may be eligible for Preferred • Mild Sleep Apnea may be eligible for Preferred with verified c-PAP usage

• Treatment for cholesterol or hypertension does not exclude a proposed insured from our Preferred, Preferred Plus or Standard Plus classes • Unisex build charts • Max Cholesterol level for Preferred classes is 300, ratios as follows: Preferred Plus 4.5 Ages 18-55 (<5.0 Ages 56 and above) Preferred NT 5.5 Ages 18-55 (<6.0 Ages 56 and above) Standard Plus 7.0 Ages 18-55 (<7.5 Ages 56 and above) • Blood pressure control credit treated or untreated of 130/80 or better • Paramed exams only through $10 million up to age 65 • Preferred and Standard Plus build allows males an additional 10 lbs.

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Completing Fully Underwritten Applications One base policy per application. n Use the precise plan name on the application and write in the amount of insurance applied for n Select risk/rate class applied for n Children’s Rider Supplement Application – complete if applying for the Children’s Rider n Juvenile Life Insurance Supplemental Application – complete if Proposed Insured or Other Proposed Insured is age 15 days-17 years n Complete the Monthly Bank Withdrawal form if applicable n Attach cover letter or additional information, as needed n All changes should be initialed by the Applicant/Owner n Always submit the Producer Statement and always provide client with MIB Group Inc. Pre-Notice, Notice of Information Practices, Investigative Consumer Reports Notice, Summary of Rights, and Life Insurance Buyers Guide n Always obtain signed MIB and HIPAA authorizations n If face amount is $100,000 and above – you will need a signed HIV consent form n You will need a signed Accelerated Death Benefit Disclosure Form unless applying for GUL Survivor at any amount n If face amount is $1,000,000 and above, and the Proposed Insured is age 65 or over – you will need (a) signed Statement of Policyowner Intent and, (b) signed Premium Funding and Acknowledgement form n Do not collect a check or electronic transaction authorization for initial premium if any of the 6 TIA questions are answered “yes.” DO NOT complete the TIA if initial payment won’t be collected until issue n Have client sign state replacement forms (if applicable) and provide a copy to the client n If a Financial Institution would receive compensation for a sale, the Financial Institution Consumer Disclosure must be signed by the client For additional information, please refer to the appropriate Application Submission Checklist. The product and application used should be the one approved for the state where the application is being signed. Note: If an application is taken on a Kansas resident, the producer must be licensed and appointed in Kansas and in the state where the application is signed. 6

Completing Simplified Applications One base policy per application. n Select the product name and write in the amount of the insurance applied for n If applying for any rider offering Disability Benefits, complete the supplemental application n If applying for the Children’s Rider, complete the Supplemental application n Complete the Monthly Bank Withdrawal form if applicable n Attach cover letter or additional information, as needed n All changes should be initialed by the Applicant/Owner n Always submit the Producer Statement and always provide client with MIB Group Inc. Pre-Notice, Notice of Information Practices, and Life Insurance Buyers Guide n Always obtain signed MIB and HIPAA authorizations n If face amount is over $250,000 – you will need a signed HIV consent form, if your state requires one n Submit a signed Accelerated Death Benefit Form n Complete Conditional Receipt Form. If a check or electronic transaction authorization for the initial premium was not collected at the time of application, do not complete this form n Have client sign state replacement forms (if applicable) and provide a copy to the client n If a Financial Institution would receive compensation for a sale, the Financial Institution Consumer Disclosure must be signed by the client For additional information, please refer to the appropriate Application Submission Checklist.

Completing the Living Promise Application n Complete

the Proposed Insured and Owner (if applicable) sections n Part One of the Underwriting section – If proposed insured answers “YES” to any questions in Part One, that person may not be eligible for any coverage under this application n Part Two of the Underwriting section – If proposed insured answers “YES” to any questions in Part Two, that person is eligible only for the Graded Benefit Product 7

n If

the proposed insured answers all underwriting questions “NO,” that person is eligible for the Level Benefit Product n Plan Info – Select Plan, Accidental Death Benefit Rider (if applicable), Payment Mode and Amount n Always obtain signed MIB and HIPAA authorizations n Complete Conditional Receipt Form. If a check or electronic transaction authorization for the initial premium was collected at the time of application, otherwise do not complete this form n Have client sign state replacement forms (if applicable) n Leave all required forms with the client Note: If your client answers yes to any of the health questions but you would like to explain further or you have additional information such as current medications and reason for use, you may include that information in the Optional Comments section of the application. Any additional information available will increase the speed of application processing.

Completing Children’s Whole Life Applications n Multiple

children can be written on one application child will be issued a separate policy n Grandparents can sign application without parent signature (except in FL and PA) n Attach cover letter or additional information, as needed n No conditional receipt is required n Have client sign state replacement forms (if applicable) and provide a copy to the client n Each

Producer Report This report will need to be completed and sent in with each application. The product and application used should be the one approved for the state where the application is being signed. Note: If an application is taken on a Kansas resident, the producer must be licensed and appointed in Kansas and in the state where the application is signed. This section not applicable for CWL.

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Conditional Receipt

(Applies to United Express Products and all Companion Products) n A

check or electronic transaction authorization for the full initial modal premium must be submitted with the application (Note: initial draft via the client’s bank account is available only for monthly mode)

No Conditional Coverage is provided: If a completed Conditional Receipt is not submitted with the application. A Receipt is furnished in connection with an application for insurance on the proposed insured(s) bearing the same date as the Receipt. Insurance under the Receipt will become effective on the Effective Date defined below, but only if all conditions below have been completely met: (1) The amount received via check, credit card, or Bank Service Plan (BSP) with the application is sufficient to pay: (a) the first premium of a fixed premium plan at the mode applied for; or (b) the first planned periodic premium on a flexible premium plan; and (2) All required medical examinations must be completed within 60 days from the date of the application; and (3) Each person proposed for insurance is, as of the application date, eligible for the exact policy applied for, according to our underwriting standards of United/Companion then in effect, without modification of the plan, premium rate, benefits, class and amounts of coverage applied for; and (4) To the best knowledge and belief of those signing the application, all the statements and answers in the application are true and complete when made; and (5) All parts of the application, and if required, exams, supplements to the application, questionnaires and amendments to the application, are completed and received by the home office. The amount of conditional insurance coverage provided under this Receipt, if any, shall not exceed $100,000* and shall also not exceed the death benefit applied for. If the application is not approved and accepted within 60 days of the Effective Date of this Receipt, conditional insurance coverage will cease. In that case, our liability will be limited to the return of the premium paid. We have the right to terminate conditional insurance coverage at any time prior to the expiration of 60 days of the Effective Date of this Receipt by mailing a refund of the premium paid. *$500,000 in New York for fully underwritten $40,000 for Living Promise (This Section does not apply to CWL) 9

Temporary Life Insurance Agreement (TIA)

(2) the benefits due under the terms of this Agreement. The Applicant acknowledges and agrees that benefits shall not be payable under both, C.(1) and C.(2) above.

(Applies to United Term & UL Fully Underwritten Products)

TIA Eligibility Requirements: n A

check, credit card, or Bank Service Plan (BSP) authorization for the full initial modal premium must be submitted with the application (Note: initial draft via the client’s bank account is available only for monthly premium mode)

n All

6 TIA eligibility questions must be answered “no.” If an eligibility question is answered “yes,” do not collect a check from the client. The TIA does not need to be submitted, but the electronic transaction authorization may still be submitted n Maximum Face Amount eligible for coverage is $1,000,000. TIA’s are not allowed on any face amount over $1,000,000* *Maximum Benefit Amount is $1,000,000

No Temporary Insurance is provided: n If

a completed TIA is not submitted with the application n If a TIA eligibility question is answered “yes” Temporary life insurance and any coverage provided hereunder will END on the earliest of the following dates: (1) 90 days from the date of this Agreement; or (2) the date we deliver the policy applied for to the applicant/owner and all delivery requirements have been completed; or (3) the date we mail you a letter notifying you that we: (a) are unable to approve the requested coverage at a standard risk class; or (b) have declined to issue you a policy; or (c) will not provide temporary insurance coverage; or (4) the date the applicant/owner withdraws the application for insurance. – If the policy applied for is either (a) pursuant to a conversion privilege in (an) existing United life policy(ies), or (b) to replace (an) existing United life policy(ies) with another United life policy, then in the event of the death of the Proposed Insured before the termination of this Agreement, United will pay only the greater of: (1) the benefits due under the terms of the existing policy(ies) which is/are being converted or replaced, or 10

The temporary life insurance provided by this Agreement is subject to the provisions of the policy form applied for; however, no benefits will be paid for: (1) disability; or (2) death from suicide while sane or insane (in Missouri, only if suicide was intended at the time of this application and we can prove it was intended); or (3) the same loss under both this Agreement and any life policy issued from the application.

Maximum Autobind and Retention Limits Ratings & Flat Extras

Ages 0-80

Ages 81+

Standard through Table 6 and Flat Extras through $15/ Thousand

Maximum Autobind

$3,000,000 $30,000,000 Standard Only

Retention

$5,000,000

Table 7+ and Flat Extras over $15/ Thousand

Maximum Autobind

$15,000,000 Fac Only

Retention

$2,500,000

$500,000

N/A

Jumbo Limits Up to Age 80 81-85

Total Amounts In Force and Applied For Including Any Replacements $65,000,000 $25,000,000

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Testing of Proposed Insured Telephone Interview Your client may be contacted for a confidential telephone interview to complete the application process. This call should last approximately 30 minutes. It is important to note that the telephone dialogue between your client and the phone representative will be tape recorded and relied upon as part of our risk analysis. As a result, it’s important that your client be prepared to answer questions as accurately as possible.

Paramedical Appointment A paramedical exam may be required depending on the face amount applied for and the age of your client. There is no cost to the client for this examination and it can take place in their home or place of employment. The Exam includes: – Height and Weight – Blood Pressure and Pulse – Urine and blood samples may also be needed – Depending on the client’s age and amount of life insurance applied for, an electrocardiogram (EKG) may be required.

Prior to the Paramedical Appointment have your Client: – Get a good night’s sleep – Avoid drinking alcoholic beverages for at least 8 hours – Do not smoke or drink coffee for a least 1 hour before the appointment – Drink a glass of water 2 hours prior – Try not to eat any food 2 hours prior. If at all possible, fast for 12 hours – Advise the paramedic of any medication(s) being taken – Skip heavy exercise on the day of exam – Wear comfortable, loose fitting clothes

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Approved Paramedical Companies American Para Professionals (APPS) 1-800-635-1677 ExamOne 1-877-933-9261 Examination Mgmt. Services, Inc. (EMSI) 1-800-872-3674 Hooper Holmes (Portamedic) 1-800-765-1010 Superior Mobile Medics 1-800-898-3926

Attending Physician’s Statement The Attending Physician’s Statement (APS) is a vital source of information on which to base underwriting decisions. You have the option to order APS’s for your clients, we just ask that you notify us the APS has been ordered when you submit the application. If an APS has not been ordered, an underwriter will order the APS for you. If you do not notify us with the application that you have ordered the APS and we order a duplicate order, we will not reimburse you the cost. In addition, if Mutual of Omaha has ordered the APS, please do not send a duplicate request to the doctor or hospital as it will delay the process. If you choose to order the APS on your client instead of Mutual of Omaha, we will reimburse you the usual and customary cost of the APS provided we have received the application to correspond with the APS order. If you order the APS and have submitted the application to multiple carriers, we ask that you only send in for reimbursement if you place the case with Mutual of Omaha.

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APS Guidelines 1. An APS should be ordered for cause in all cases with significant medical history such as Cancer, CAD, Diabetes, other potentially rateable or uninsurable impairments or major medical testing as outlined below. The APS Age and Amount criteria is shown in our Underwriting Requirements chart on pages 22-23. 2. The following exceptions can generally be made to the age and amount criteria if an exam was done as part of a: (a) Work Physical (b) Routine GYN Exam (c) Aviation Exam (d) DOT Exam, etc. (e) Eye Exam 3. If an APS is not available on someone over age 65, the application file will be reviewed on a case by case basis and coverage may be limited or unavailable. 4. An APS is required on Express cases between $250,001$400,000.

Hepatitis B or C Hodgkin’s or Non Hodgkin’s Lymphoma Liver disease including Cirrhosis Mental Incapacity Neurological disorders including Muscular Dystrophy, Multiple Sclerosis and Parkinson’s disease Paralysis Organ transplants Peripheral vascular disease (PVD or PAD) Polycystic kidney disease Renal Insufficiency/failure Rheumatoid disorders including rheumatoid arthritis Seizure disorders Sleep Apnea Stroke or mini stroke (TIA) Suicide attempt Note: This is a guide and not an all-inclusive list. The specifics of an individual case may warrant an APS to determine the appropriate risk classification.

5. An APS may not be needed for a health history of treated hypertension or treated cholesterol if the insured: • Qualifies for a Preferred Plus through Standard risk class • Is age 65 and under • Has a face amount $1,000,000 or less • The amount in force and applied for does not exceed $2,000,000 Some of the more common impairments that always require an APS are listed below: Abnormal heart rhythm Alcohol or Drug treatment history Amyotrophic Lateral Sclerosis (ALS, Lou Gehrig’s Disease) Bipolar, schizophrenia, major depression Cardiomyopathy Cerebral Palsy Congestive heart failure (CHF) Crohn’s disease/Ulcerative Colitis Coronary disease including heart attack or heart surgery COPD including Chronic Bronchitis or Emphysema Cystic Fibrosis Cancer Collagen Vascular disease including Lupus Diabetes Heart valve disease or surgery 14

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Inspection Reports Inspection reports are required for face amounts of $5,000,001 and above for ages 18 and above.

Motor Vehicle Records Motor vehicle records are required as shown below: Ages 18-45 46-70 71 and Over

Face Amounts $100,000 and over $1,000,001 and over $500,000 and over

Financial Underwriting Guidelines Income Replacement Ages $25,000 or higher annual earned income 20 to 40 25X 41 to 50 20X 51 to 55 15X 56 to 65 10X 66 up 7X* Larger amounts may be considered on an individual case basis for special needs situations with supporting documentation of financial need. A spouse working full or part time to supplement their household income can qualify for a similar amount as a non-working spouse depending on the circumstances. *Income replacement is generally not considered for those over age 66 unless an individual is actively at work.

Estate Conservation The personal net worth of an individual or family is used as the basis for a calculation of an approximate estate tax liability and related expenses. Generally the net worth can be expected to increase over a period of years, so it is common practice to project that growth over a period of years at a selected rate of interest. A growth rate of 6 percent is most commonly recommended although different rates can occasionally be used if appropriate. At older ages or impaired risks, a lower rate is usually used. The appropriate amount of coverage is typically 50 percent of the projected estate. Ages Years Up to 55 20 56-70 15 71 Up Up to 50% of the Estate Value* *Standard or better risk classes. Requests in excess of 50 percent will be considered individually on a case by case basis in view of changes in the tax code 1-1-11 which now provides exemptions exceeding $5,000,000 at this time. 16

Non-Working Spouse Will generally consider for an amount equal to the amount in force and applied for on the breadwinner depending on the circumstances of the case up to a maximum of $1,000,000 unless there is also an estate tax need. Additional insurance can be considered with cover memo or other documentation outlining any special needs.

Business Insurance A business insurance questionnaire (BIQ) should be submitted on all business cases, and a well constructed cover letter explaining the purpose of coverage and how the face amount was determined is very helpful. Copies of company financial statements and buy/sell agreements may be necessary to help value a business to determine the appropriate amounts of coverage on each owner for business continuation cases.

Key Person Generally 5-10X earned income plus bonuses if paid regularly as part of a company bonus plan. If key person has an ownership interest in the company, the appropriate percentage of company net income can be added to his income. Some states such as New York have specific requirements to qualify as a key person.

Creditor Insurance Generally up to a maximum of 75 percent of a secured loan unless agreement has a loan provision calling the loan due upon the death of owner/key person.

Buy/Sell Coverage should usually be applied for or in force on all major active partners. A business insurance questionnaire should be fully completed in all cases unless a detailed cover letter and company financial statements are submitted with the application. Each partner’s ownership percentage should be included and coverage should be proportional to the ownership interest. Company financial statements and copies of a buy/sell agreement are sometimes necessary to help establish a reasonable market valuation for the company and may be ordered at the underwriter’s discretion.

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Charitable Giving Life insurance is purchased in favor of a charity or an institution to replace the potential value of future contributions by the donor or purely as a gift. Most situations are reasonable and financially acceptable, but the insurable risk of loss to the institution should be closely related to the potential loss suffered by the charity and the donor’s personal insurance needs should be already taken care of. In order to establish insurable interest the underwriter will request evidence of a past and present affiliation with the institution showing an established pattern of giving or a pledge of future donations which may be outlined in a letter of agreement between the donor and the charity. Our preference is that the insured is the owner of the contract unless it’s a part of a tax advantaged planning situation and face amounts should normally be limited to around 10 times the annual contribution. If the policy is to be owned by the foundation or charity, letter of agreement between the institution and the applicant must be provided outlining the terms of the arrangement and the tax status of the charity or foundation. We will not participate in any arrangements where the source of the premium is a third party with no real ties to the insured or owner.

Fully Underwritten Guidelines for Juvenile Life Insurance (Not available in Washington)

For life insurance purposes, applicants are considered to be juveniles between the ages of 15 days and 17 years old.

Life Insurance Face Amounts n Generally,

the maximum Face Amount is $100,000. The Face Amount should not exceed 50 percent of the coverage carried on the parent with the least amount of life insurance in-force. Any amount exceeding 50 percent of the lesser insured parent must include a cover letter with an explanation of the need for Underwriting consideration of the higher amount.

Ownership/Beneficiary n Owner

and Beneficiary must be parent or grandparent. Other relatives and friends are considered to have no insurable interest. If a grandparent applies as owner and the child does not reside in the same household as the grandparent, a parent must sign the application on the “signature of parent” line authorizing the purchase and attesting to answers to the application questions. n A legal guardian can be considered as owner and/or beneficiary. Details should be provided in a cover letter along with copies of guardianship documentation.

Household life insurance coverage n All

children should be equally insured, include a cover memo advising coverage amount on all family members n The parent(s) must be insured

Risk class n The

Proposed Insured must be a Standard Risk (No Impaired Risk)

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Face amounts greater than $100,000 While we do not normally offer coverage over $100,000 to juveniles, we will consider if the following criteria are met in addition to the above guidelines: n APS is required in ALL cases n A Cover Letter explaining the rationale of the need for $100,000 or higher face amounts n Maximum Face Amount $250,000

Underwriting Limits on Juvenile Life Applications written in New York 1. Minors between age 4 years 6 months and 14 years 6 months old Coverage is limited to the greater of $50,000 or ½ (50 percent) of the amount carried by the Applicant. 2. Minors less than age 4 years 6 months old Coverage is limited to the greater of $50,000 or ¼ (25 percent) of the amount carried by the Applicant.

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Initial Underwriting Requirements – Fully Underwritten Amount Being Underwritten: Effective 6-1-13 Age:

$25,000 $99,999

$100,000 $249,999

$250,000 $499,999

$500,000 $750,000

$750,001 $1,000,000

$1,000,001 $2,000,000

$2,000,001 $5,000,000

$5,000,001 $10,000,000

Over $10,000,000

Under 18

Nonmedical

Nonmedical*

N/A

N/A

N/A

N/A

N/A

N/A

N/A

18-30

Nonmedical Rx

Paramed Blood & HOS MVR RX

Paramed Blood & HOS MVR RX

Paramed Blood & HOS MVR RX

Paramed Blood & HOS MVR RX

Paramed Blood & HOS PHI MVR RX

Paramed Blood & HOS PHI MVR RX

31-35

Nonmedical Rx

Paramed Blood & HOS MVR Rx

Paramed Blood & HOS MVR Rx

Paramed Blood & HOS MVR Rx

Paramed Blood & HOS MVR Rx

Paramed Blood & HOS PHI MVR Rx

Paramed Blood & HOS PHI MVR Rx

36-45

Nonmedical Rx

Paramed Blood & HOS MVR Rx

Paramed Blood & HOS MVR Rx

Paramed Blood & HOS MVR Rx

Paramed Blood & HOS MVR Rx

Paramed Blood & HOS PHI MVR Rx

Paramed Blood & HOS PHI MVR Rx

Paramed Blood & HOS APS IR MVR Rx Paramed Blood & HOS APS IR MVR Rx Paramed Blood & HOS APS IR MVR Rx

46-55

Nonmedical Rx

Paramed Blood & HOS Rx

Paramed Blood & HOS Rx

Paramed Blood & HOS Rx

Paramed Blood & HOS Rx

Paramed Blood & HOS EKG PHI MVR Rx

56-60

Nonmedical Rx

Paramed Blood & HOS Rx

Paramed Blood & HOS Rx

Paramed Blood & HOS EKG Rx

Paramed Blood & HOS EKG Rx

Paramed Blood & HOS EKG PHI MVR Rx

61-65

Nonmedical Rx

Paramed Blood & HOS Rx

Paramed Blood & HOS EKG Rx

Paramed Blood & HOS EKG Rx

Paramed Blood & HOS EKG Rx

Paramed Blood & HOS EKG PHI MVR Rx

Paramed Blood & HOS EKG APS age 50+ PHI MVR Rx Paramed Blood & HOS EKG APS PHI MVR Rx Paramed Blood & HOS EKG APS PHI MVR Rx

Paramed Blood & HOS EKG APS IR MVR Rx Paramed Blood & HOS EKG APS IR MVR Rx Paramed Blood & HOS EKG APS IR MVR Rx

Paramed Blood & HOS APS IR MVR Rx Paramed Blood & HOS APS IR MVR Rx Paramed Blood & HOS EKG APS IR MVR Rx Paramed Blood & HOS EKG APS IR MVR Rx MD Exam Blood & HOS TEKG APS IR MVR Rx MD Exam Blood & HOS TEKG APS IR MVR Rx

66-70

Nonmedical APS Rx

Paramed Blood & HOS APS Rx

Paramed Blood & HOS EKG APS Rx

Paramed Blood & HOS EKG APS Rx

Paramed Blood & HOS EKG APS Rx

71 and Over

Nonmedical APS Rx

Paramed Blood & HOS APS Rx

Paramed Blood & HOS EKG APS PHI Rx

Paramed Blood & HOS EKG APS PHI MVR Rx

Paramed Blood & HOS EKG APS PHI MVR Rx

Paramed Blood & HOS EKG APS PHI MVR Rx Paramed Blood & HOS EKG APS PHI MVR Rx

Paramed Blood & HOS EKG APS PHI MVR Rx Paramed Blood & HOS EKG APS PHI MVR Rx

MD Exam Blood & HOS EKG APS IR MVR Rx MD Exam Blood & HOS EKG APS IR MVR Rx

MD Exam Blood & HOS TEKG APS IR MVR Rx MD Exam Blood & HOS TEKG APS IR MVR Rx

Key: APS Attending Physician’s Statement 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.) Rx Pharmaceutical Check TEKG Treadmill Electrocardiogram

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Paramedical Vendors: American Para Professional Systems (APPS) – 1-800-635-1677 – Active date 4-1-11 ExamOne – 1-877-933-9261 Examination Management Services, Inc. (EMSI) – 1-800-872-3674 Hooper Holmes (Portamedic) – 1-800-765-1010 Superior Mobile Medics – 1-800-898-3926 UNDERWRITING REQUIREMENTS ARE GOOD FOR UP TO ONE YEAR THROUGH AGE 65 WITH A FULLY COMPLETED APPLICATION PART 2 OR GOOD HEALTH STATEMENT. OVER AGE 65, UNDERWRITING REQUIREMENTS ARE GOOD FOR UP TO SIX MONTHS FOR GULS, USE 1/2 THE FACE AMOUNT TO DETERMINE UNDERWRITING REQUIREMENTS. * APS required on juveniles over $100,000

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PREFERRED PLUS Underwriting Criteria NICOTINE Tobacco FAMILY HISTORY (Does not apply if age 60 and older.) BLOOD PRESSURE CHOLESTEROL Averaged 3 cholesterols over past 12 months. If available ALCOHOL & DRUG MEDICAL HISTORY DRIVING RECORD

AVOCATION2 AVIATION3 CRIMINAL RECORD BUILD PROFILE & HOS

No nicotine x 36 months Occasional cigar, nontobacco available with negative HOS1 12 cigars per year No death of a parent or sibling prior to age 60 due to Cancer or Heart Disease Treatment allowed with good control Ages 18-55 Avg BP <135/85; Ages 56 and above <140/85 Cholesterol Level <300 and Cholesterol Ratio <4.5 Ages 18-55; <5.0 Ages 56 and above Treatment allowed Allowed after 15 years 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 participation in any hazardous occupation, avocation or sport in the last five (5) years No flying as a private pilot or crewmember unless aviation exclusion No felony convictions in the past 10 years No exception If all preferred plus criteria are met and the laboratory values do not warrant any debits, Preferred Plus is allowed

An occasional cigar is no more than 12 cigars per year Limited scuba diving as a part of vacation or other occasional occurrence is acceptable if depth of dive does not exceed 100 feet 3 Some types of commercial aviation may be acceptable based on manual 1

2

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PREFERRED Underwriting Criteria NICOTINE Tobacco

FAMILY HISTORY (Does not apply if age 60 and older.)

BLOOD PRESSURE CHOLESTEROL Averaged 3 cholesterols over past 12 months. If available ALCOHOL & DRUG MEDICAL HISTORY DRIVING RECORD

AVOCATION2 AVIATION3 CRIMINAL RECORD BUILD PROFILE & HOS

No nicotine x 24 months Occasional cigar, nontobacco available with negative HOS1 12 cigars per year (Note: Preferred Tobacco is an available class) No death of a parent prior to age 60 due to Cancer or Heart Disease With good risk factors and negative cardiac work up appropriate for age group, one cardiac death allowed Treatment allowed with good control Ages 18-55 Avg BP <145/90; Ages 56 and above <150/90 Cholesterol Level <300 and Cholesterol Ratio <5.5 Ages 18-55; <6.0 Ages 56 and above Treatment allowed Allowed after 10 years 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 If male, up to 10 lbs allowed if all other criteria are met If all preferred criteria are met and the laboratory values do not warrant any debits, Preferred is allowed

In addition to the criteria above, there must not be any other significant health problems. Final risk determination will be made by the home office underwriter. 25

STANDARD PLUS Underwriting Criteria NICOTINE Tobacco FAMILY HISTORY (Does not apply if age 60 and older.) BLOOD PRESSURE CHOLESTEROL Averaged 3 cholesterols over past 12 months. If available ALCOHOL & DRUG MEDICAL HISTORY

No nicotine x 12 months Occasional cigar, nontobacco available with negative HOS1 One death of a parent prior to age 60 due to Heart Disease Treatment allowed with good control Ages 18-55 Avg BP <152/90; Ages 56 and above <156/92 Cholesterol Level <300 and Cholesterol Ratio <7.0 Ages 18-55; <7.5 Ages 56 and above Treatment allowed Allowed after 5 years

No history of CAD, DM or Cancer (Basal Cell skin cancer and superficial squamous cell allowed) DRIVING RECORD No convictions for DWI, DUI or reckless driving within the last five (5) years and no more than three (3) moving violations within the last three (3) years Flat extras are allowed AVOCATION2 No flying as a private pilot or AVIATION3 crewmember unless aviation exclusion (IFR private pilots allowed if standard) No felony convictions in the past CRIMINAL 10 years RECORD If male, up to 10 pounds allowed BUILD if all other criteria are met If all Standard Plus criteria are met PROFILE & HOS and the laboratory values do not warrant any debits, Standard Plus is allowed 1 An occasional cigar is no more than 12 cigars per year 2 Limited scuba diving as a part of vacation or other occasional occurrence is acceptable if depth of dive does not exceed 100 feet 3 Some 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 home office underwriter.

26

27

Build Chart – Fully Underwritten

Table 1 Table2 Table 3 Table 4 Table 5 Table 6 Table 8 Table 10 Table 12

Preferred Preferred Standard Standard Plus Plus

+25

Height 4 Feet 8" 9" 10" 11" 5 Feet 1" 2" 3" 4" 5" 6" 7" 8" 9" 10" 11" 6 Feet 1" 2" 3" 4" 5" 6" 7" 8" 9" 10"

28

+50

+75

+100 +125 +150 +200 +250 +300

Weight 125 131 135 141 146 152 158 164 169 174 180 185 189 195 200 206 211 217 222 228 233 239 246 252 – – –

134 140 145 150 156 163 169 174 179 184 190 195 199 205 211 217 222 229 234 240 245 251 258 264 – – –

143 150 155 160 167 175 180 185 190 195 200 205 210 215 222 227 234 242 247 252 258 264 270 276 – – –

152 157 162 168 174 180 186 191 197 204 210 217 223 230 236 243 250 257 264 272 279 287 298 302 310 317 325

170 176 182 187 193 199 205 213 221 226 232 239 246 254 262 269 275 282 289 296 301 307 313 320 327 335 343

184 189 194 199 205 211 215 220 225 231 239 245 251 258 266 274 281 289 296 303 311 319 328 336 345 352 359

190 195 201 207 213 218 223 228 235 242 248 254 262 270 278 287 292 300 308 317 325 334 345 354 363 372 382

197 202 208 214 220 226 232 238 245 251 258 265 274 282 289 298 305 313 321 329 338 347 358 367 376 385 395

204 209 214 220 226 233 239 246 252 259 268 275 283 291 300 307 315 322 331 339 348 357 366 375 385 395 407

212 216 222 228 235 242 248 255 261 268 276 284 291 299 307 315 322 330 339 348 357 366 375 384 395 406 418

221 225 231 237 244 250 257 264 270 277 285 293 300 309 316 325 333 340 349 358 367 376 385 394 405 415 427

230 234 240 245 253 259 266 275 281 286 293 303 312 319 327 339 348 355 366 376 385 393 405 413 422 435 444

240 244 249 254 262 269 277 284 292 299 308 316 324 331 340 349 356 365 374 383 394 402 413 422 431 444 462

29

Underwriting Requirements – Express Only Term Life Express

GUL Express

Living Promise Level Benefit Plan

Living Promise Graded Benefit Plan

Issue Ages 18-65

Issue Ages 18-65

Issue Ages 45-85*

Issue Ages 45-80*

$2,000-$40,000*

$2,000-$20,000*

$25,000-$250,000 $250,001-$400,000 $50,000-$250,000 Simplified Underwriting Build Chart MIB Pharmaceutical Check MVR (Mandatory Ages 18-35) MVR (As Needed Ages 36-65) Random Phone Interview

Simplified Underwriting Build Chart MIB Pharmaceutical Check MVR (Mandatory Ages 18-35) MVR (As Needed Ages 36-65) Mandatory Phone Interview Oral Fluid Test

Simplified Underwriting Build Chart MIB Pharmaceutical Check MVR (Mandatory Ages 18-35) MVR (As Needed Ages 36-65) Random Phone Interview

Ages 61-65 Mandatory Phone Interview

Ages 61-65 Mandatory APS

Ages 61-65 Mandatory Phone Interview

Simplified Underwriting Build Chart MIB Pharmaceutical Check Random Phone Interview

*May vary by state Please Provide Name and Address of Personal Physician with all applications where an APS is mandatory. If an individual has a previous offer from United of Omaha or Companion Life Insurance Company with a risk class greater than Table 4 or has been declined, they will not qualify for Express products. Note: Oral Fluid Kits can be ordered though your normal channel. Agent mails Oral Fluid Kit to Lab Kit is processed through Clinical Reference Lab (CRL)

NOTE:

30

1. Random interviews will be conducted for quality control 2. Medical questionnaires and/or an occasional APS may be requested at the underwriter’s discretion to clarify information developed from other sources 3. Producer training http://www.salivatraining.com/

31

Express Life and DI Rider Build Chart (Male & Female) Height

4 Feet 8" 9" 10" 11" 5 Feet 1" 2" 3" 4" 5" 6" 7" 8" 9" 10" 11" 6 Feet 1" 2" 3" 4" 5" 6" 7" 8" 9" 10"

TLE, GUL Express, Living Promise Minimum Weight

TLE, GUL Express Maximum Weight

DI Rider Maximum Weight

74 77 79 82 85 88 91 94 97 100 103 106 109 112 115 119 122 126 129 133 136 140 143 147 151 154 158

197 202 208 214 220 226 232 238 245 251 258 265 274 282 289 298 305 313 321 329 338 347 358 367 376 385 395

170 176 182 187 193 199 205 213 221 226 232 239 246 254 262 269 275 282 289 296 301 307 313 320 327 335 343

Table 2 Maximum Weight

Living Promise Level Benefit Maximum Weight

Living Promise Graded Benefit Maximum Weight

184 189 194 199 205 211 215 220 225 231 239 245 251 258 266 274 281 289 296 303 311 319 328 336 345 352 359

204 209 214 220 226 233 239 246 252 259 268 275 283 291 300 307 315 322 331 339 348 357 366 375 385 395 407

221 225 231 237 244 250 257 264 270 277 285 293 300 309 316 325 333 340 349 358 367 376 385 394 405 415 427

(Multiple Impairments)

We reserve the right to decline certain hazardous occupations for both life and the DI rider.

32

33

Express Impairments TLE, GULE

WHOLE LIFE Underwriting Criteria

Multiple Impairments resulting in a rating greater than Table 4 will be declined for our Express products. Below are some examples of multiple impairments that would result in a decline.

Living Promise Whole Life

Multiple Impairments

n Build

Chart

n MIB n Pharmaceutical

Offer

n Random

Diabetes Examples Diabetes > age 50 with Table 2 or higher build

Decline

Diabetes > age 50 with tobacco risk

Decline

Diabetes > age 50 with Peripheral Vascular Disease (PVD)

Decline

phone interview

Children’s Whole Life n Simplified

Table 2 Build Chart Examples Refer to pages 24 & 25 for the Table 2 Build Chart Table 2 or higher build with rateable hypertension

Decline

Table 2 or higher build with Transient Ischemic Attack (TIA)

Decline

Table 2 or higher build with asthma and tobacco risk

Decline

Table 2 or higher build with Peripheral Vascular Disease (PVD)

Decline

Underwriting Questions on application (Subject to combined maximum amount of $30,000 of Children’s Whole life coverage) n Health

Note: If an individual has a previous offer from United of Omaha or Companion Life Insurance Company with a risk class greater than Table 4 or has been declined, they will not qualify for Children’s Whole Life plans.

Note: T his is not a complete list. Please refer to pages 36-47 for additional impairments. The following single impairments are automatic declines. Automatic Declined Impairments Amputation caused by disease

Decline

Alcohol/Drug abuse and Major Depression

Decline

Chronic or Alcohol related Pancreatitis

Decline

Chronic Severe Asthma

Decline

Hodgkin’s Disease

Decline

Moderate/Severe rheumatoid arthritis treated with Humira, Embrel or Methotrexate

Decline

Muscular Dystrophy

Decline

Sickle Cell Anemia

Decline

Note: T his is not a complete list. Please refer to pages 36-47 for additional impairments.

34

35

Impairments

Impairments (continued)

A Acromegaly . . . . . . . . . . . . . . . . . . . . . . Table 4 – 8

Arteriovenous (AV) Malformations Cerebral unoperated . . . . . . . . . . . . Decline Surgery, stable 6 months . . . . . . . . . Table 4 – 8

Addison’s Disease . . . . . . . . . . . . . . . . . Standard – Table 3 ADHD/ADD . . . . . . . . . . . . . . . . . . . . . Standard – Table 2

Arthritis Osteoarthritis . . . . . . . . . . . . . . . . . . Standard

Alcohol Current excessive use . . . . . . . . . . . . Decline Alcoholism treatment, no current use, postponed 2 years. . . . . . . . . . . Standard – Table 8

Asbestosis Mild degree of respiratory impairment . . . . . . . . . . . . . . . . . . . Standard – Table 4 Severe impairment . . . . . . . . . . . . . . Decline

Alzheimer’s Disease . . . . . . . . . . . . . . Decline

Ascites . . . . . . . . . . . . . . . . . . . . . . . . . . Decline

Anemia Aplastic Anemia . . . . . . . . . . . . . . . . Standard – Decline Sickle Cell . . . . . . . . . . . . . . . . . . . . . Decline Sickle Cell Trait . . . . . . . . . . . . . . . . . Standard

Asthma Mild intermittent . . . . . . . . . . . . . . . Standard Persistent, depends on severity . . . . Table 2 – Decline

Aortic Aneurysm Unoperated . . . . . . . . . . . . . . . . . . . . Table 6 to Decline Surgery, stable 6 months . . . . . . . . . Table 2 – 6

Atrial Flutter . . . . . . . . . . . . . . . . . . . . Standard – Decline

Angina Pectoris Angina . . . . . . . . . . . . . . . . . . . . . . . . Table 2 – 8 Unstable Angina, under age 40 . . . . Decline Stable Angina, over age 40 (dependent on age and cath. report) . . . . . . . . . . . . . . . . . . . Table 4 – 8 Angioedema . . . . . . . . . . . . . . . . . . . . . Standard – Table 2 Ankylosing Spondylitis . . . . . . . . . . . Standard – Table 4 Anorexia Nervosa Current . . . . . . . . . . . . . . . . . . . . . . . Decline Full recovery, stable > 4 years . . . . . Standard – Table 2 Anxiety Disorders Mild or well-controlled . . . . . . . . . . Standard Others . . . . . . . . . . . . . . . . . . . . . . . . Standard – Table 4 Aortic Murmurs/Insufficiency . . . . . Standard – Table 8 Arrhythmias Atrial Fibrillation . . . . . . . . . . . . . . . Standard –Decline Atrial Flutter . . . . . . . . . . . . . . . . . . . Standard – Decline Infrequent PVC(s) . . . . . . . . . . . . . . Standard Multiple PVC(s) . . . . . . . . . . . . . . . . Standard – Table 8 Arteriosclerosis Obliterans . . . . . . . . Table 4 – Decline

Atrial Fibrillation . . . . . . . . . . . . . . . . Standard – Decline Atrial Septal Defect No surgery . . . . . . . . . . . . . . . . . . . . . Standard – Decline No residuals 6 months after surgery . . . . . . . . . . . . . . . . . . . . . . Standard Atrioventricular Block 1st degree – 2nd degree . . . . . . . . . . Standard – Table 2 3rd degree – complete . . . . . . . . . . . Table 2 – Decline

B Bacterial Endocarditis Normal heart & valves, recovered after 1 year . . . . . . . . . . . . . . . . . . . Table 2 – 4 Barlow’s Syndrome . . . . . . . . . . . . . . . Standard – Table 3 Basal Cell Carcinoma Maximum 4 excisions, complete resolution . . . . . . . . . . . . . . . . . . . . Standard Bells Palsy Recovered . . . . . . . . . . . . . . . . . . . . . Standard Benign Prostatic Hypertrophy Normal PSA levels & urinalysis . . . Standard Berger’s Disease (IgA Nephropathy) . . . Table 2 – 8 Biscuspid Aortic Valve . . . . . . . . . . . . Standard – Table 8

These are general ranges for best case scenarios and final offers are dependent upon the merits of the case. For producer use only. Not for use with the general public.

Bigeminy . . . . . . . . . . . . . . . . . . . . . . . . Standard – Table 8

Fit program may apply.

Fit program may apply. 37

36

Bi-Polar Disorder Stable . . . . . . . . . . . . . . . . . . . . . . . . . Table 2 – 8

Impairments (continued)

Impairments (continued)

Blood Pressure Controlled with medication . . . . . . Standard

Cerebrovascular Accident Single episode, no complications, stable 1 year . . . . . . . . . . . . . . . . . . Standard – Table 8 Multiple episodes . . . . . . . . . . . . . . . Decline

Bright’s Disease Acute full recovery . . . . . . . . . . . . . . Standard – Table 2 Chronic good renal function . . . . . . Standard – Table 8 Chronic poor renal function . . . . . . Decline Bronchiectasis Mild – moderate, no surgery . . . . . . Standard – Table 6 Severe – extreme, no surgery . . . . . . Table 8 – Decline Bronchitis Chronic mild – moderate . . . . . . . . Standard – Table 3 Severe . . . . . . . . . . . . . . . . . . . . . . . . . Table 4 – Decline Buerger’s Disease Nonsmoker, no surgery or other impairments . . . . . . . . . . . . . . . . . . Standard – Table 4 Bundle Branch Blocks (EKG) Hemiblock . . . . . . . . . . . . . . . . . . . . . Standard Right . . . . . . . . . . . . . . . . . . . . . . . . . Standard – Table 4 Left, more than 1 year from onset . Table 4

C Cancer Most malignancies, postponed 2 – 5 years . . . . . . . . . . . . . . . . . . . . Indiv. Consideration

Charcot Marie – Tooth Disease . . . . . Standard – Decline Chest Pain Non-cardiac . . . . . . . . . . . . . . . . . . . Standard Cardiac . . . . . . . . . . . . . . . . . . . . . . . Indiv. Consideration Cholangitis, Cholecystitis, Cholelithiasis Recovered . . . . . . . . . . . . . . . . . . . . . Standard Christmas Disease (Factor IX Deficiency) . . . . . . . . . . . . Table 2 – 8 Chronic Obstructive Pulmonary Disease (COPD) . . . . . . . . . . . . . . . . . Standard – Table 8 Cirrhosis Confirmed diagnosis . . . . . . . . . . . . Decline Cocaine No current use, postponed 3 years then . . . . . . . . . . . . . . . . . . . . . . . . . Standard to Table 8 Colitis (Ulcerative) Controlled with medication . . . . . . Table 2 – 8

Chronic Heart Failure . . . . . . . . . . . . Decline

Colon Polyps Benign . . . . . . . . . . . . . . . . . . . . . . . . Standard Malignant . . . . . . . . . . . . . . . . . . . . . Indiv. Consideration

Cardiac Pacemaker (Artificial) . . . . . Standard – Decline

Congestive Heart Failure (Chronic) . . Decline

Cardiomyopathy . . . . . . . . . . . . . . . . . Table 4 – Decline

Convulsions . . . . . . . . . . . . . . . . . . . . . Table 2 – 8

Carotid Bruits Asymptomatic & no other related history . . . . . . . . . . . . . . . . . . . . . . . Standard – Table 2

Cor Pulmonale Chronic . . . . . . . . . . . . . . . . . . . . . . . Decline

Celiac Disease Controlled with diet . . . . . . . . . . . . . Standard – Table 4

Crohn’s Disease . . . . . . . . . . . . . . . . . . Standard – Table 8

Cerebral Embolism/Thrombosis Single episode, no complications, stable 1 year . . . . . . . . . . . . . . . . . . Table 2 – Table 8 Multiple episodes . . . . . . . . . . . . . . . Decline Cerebral Palsy Mild – moderate . . . . . . . . . . . . . . . . Standard – Table 3 Severe . . . . . . . . . . . . . . . . . . . . . . . . . Decline

Costochondritis . . . . . . . . . . . . . . . . . . Standard Cushing’s Syndrome Controlled with medication . . . . . . Standard – Table 4 Cystic Fibrosis . . . . . . . . . . . . . . . . . . . Decline Cystitis Recovered . . . . . . . . . . . . . . . . . . . . . Standard

D Dementia . . . . . . . . . . . . . . . . . . . . . . . Decline

38

Fit program may apply.

Fit program may apply.

39

Impairments (continued)

Impairments (continued)

Depression Controlled with medication . . . . . . Standard – Table 3

Glomerulonephritis (Chronic) Good renal function . . . . . . . . . . . . . Table 4 – 8 Poor renal function . . . . . . . . . . . . . Decline

Diabetes Type I, over age 20 . . . . . . . . . . . . . . Table 2 – 8 Type II, over age 20 . . . . . . . . . . . . . Standard – Table 8 Dialysis Renal failure . . . . . . . . . . . . . . . . . . . Decline Diverticulitis/Diverticulosis . . . . . . . Standard – Table 3 Down’s Syndrome . . . . . . . . . . . . . . . . Decline Drug Addiction Postponed 3 years then . . . . . . . . . . Standard – Table 8 Duodenal Ulcer No Bleeding . . . . . . . . . . . . . . . . . . . Standard

Goiter/Graves’ Disease Recovered no complication . . . . . . . Standard – Table 3 Guillain – Barré Syndrome . . . . . . . . Standard – Table 3

H Hashimoto’s Disease . . . . . . . . . . . . . . Standard Heart Attack . . . . . . . . . . . . . . . . . . . . . (See Myocardial Infarction) Heart Failure (Chronic) . . . . . . . . . . . Decline Hemochromatosis . . . . . . . . . . . . . . . . Table 2 – Decline Hemophilia . . . . . . . . . . . . . . . . . . . . . Table 2 – Decline

E Eclampsia Recovered . . . . . . . . . . . . . . . . . . . . . Standard

Hepatitis (Chronic) . . . . . . . . . . . . . . . Standard – Decline

Emphysema . . . . . . . . . . . . . . . . . . . . . Standard – Table 8

Herpes Simplex . . . . . . . . . . . . . . . . . . Standard

Encephalitis Recovered . . . . . . . . . . . . . . . . . . . . . Standard Others . . . . . . . . . . . . . . . . . . . . . . . . Decline

Hirschsprung’s Disease Unoperated . . . . . . . . . . . . . . . . . . . . Table 2 – 3 Surgery, full recovery . . . . . . . . . . . . Standard

Endocarditis Normal heart & valves . . . . . . . . . . . Table 2 Structurally abnormal heart . . . . . . Table 2 – Decline

Histoplasmosis Treated, full recovery . . . . . . . . . . . . Standard – Table 2

Epilepsy . . . . . . . . . . . . . . . . . . . . . . . . . Table 2 – 8 Erythema Nodosum Recovered . . . . . . . . . . . . . . . . . . . . . Standard

F Fibrocystic Breast Disease Benign . . . . . . . . . . . . . . . . . . . . . . . . Standard

G

Hereditary Nephritis . . . . . . . . . . . . . . Decline

Hodgkins Disease . . . . . . . . . . . . . . . . Indiv. Consideration Huntington’s Chorea . . . . . . . . . . . . . Decline Hydrocephalus Over age 19 . . . . . . . . . . . . . . . . . . . . Table 2 – 8 Hyperlipidemia Controlled . . . . . . . . . . . . . . . . . . . . . Standard Hypertension Controlled . . . . . . . . . . . . . . . . . . . . . Standard

Gastric Bypass PP 1 year, then rated . . . . . . . . . . . . Table 2 – 4

Hyperthyroidism No complications . . . . . . . . . . . . . . . Standard – Table 3

Gastritis . . . . . . . . . . . . . . . . . . . . . . . . Standard

Hypoglycemia Functional . . . . . . . . . . . . . . . . . . . . . Standard

Gestational Diabetes Currently pregnant . . . . . . . . . . . . . . Postpone History of . . . . . . . . . . . . . . . . . . . . . Standard – Table 2

Hypothyroidism Controlled with medication . . . . . . Standard

Gilbert’s Syndrome . . . . . . . . . . . . . . . Standard 40

Fit program may apply.

Fit program may apply.

41

Impairments (continued)

Impairments (continued)

Hysterectomy Not due to malignancy . . . . . . . . . . Standard

M

I

Mallory-Weiss Syndrome Present . . . . . . . . . . . . . . . . . . . . . . . . Decline

Idiopathic Hypertropic Sub-Aortic Stenosis (IHSS) Under age 40 . . . . . . . . . . . . . . . . . . . Decline Over age 40 . . . . . . . . . . . . . . . . . . . . Table 4 – Decline

Marfan’s Syndrome . . . . . . . . . . . . . . . Table 2 – Decline

Ileitis . . . . . . . . . . . . . . . . . . . . . . . . . . . Standard – Table 8

Megacolon Congenital with surgical repair . . . . Standard No surgery or surgery with recurrence . . . . . . . . . . . . . . . . . . . . Table 2

Intermittent Claudication . . . . . . . . . Table 2 – Decline Irritable Bowel Syndrome . . . . . . . . . Standard Inflammatory Bowel Disease 1 year after diagnosis or major attack, over age 20 . . . . . . . . . . . . . Standard – Table 8

J Juvenile Rheumatoid Arthritis . . . . . Decline

Marijuana Over age 18 . . . . . . . . . . . . . . . . . . . . Standard – Decline

Melanoma Surgery & confirmed pathology . . . . Standard – Decline Meniere’s Disease Recovered . . . . . . . . . . . . . . . . . . . . . Standard Meningitis Recovered & no residuals . . . . . . . . . Standard

Kidney Dialysis . . . . . . . . . . . . . . . . . . Decline

Mental Retardation Mild – no complications, over age 8 . . . . . . . . . . . . . . . . . . . . . . . . Standard – Table 2 Severe . . . . . . . . . . . . . . . . . . . . . . . . . Decline

Kidney Stones . . . . . . . . . . . . . . . . . . . Standard – Table 4

Migraines/Headaches . . . . . . . . . . . . . Standard

L

Mitral Valve Murmurs Functional . . . . . . . . . . . . . . . . . . . . . Standard Otherwise . . . . . . . . . . . . . . . . . . . . . Standard – Table 8

K Kaposi’s Sarcoma . . . . . . . . . . . . . . . . Decline

Left Bundle Branch Block (LBBB) 1 year after diagnosis . . . . . . . . . . . . Table 4 Left Anterior Hemiblock Isolated . . . . . . . . . . . . . . . . . . . . . . . Standard

Mononucleosis Recovered . . . . . . . . . . . . . . . . . . . . . Standard Multiple Sclerosis (MS) . . . . . . . . . . . Table 2 – Decline

Left Posterior Hemiblock Isolated . . . . . . . . . . . . . . . . . . . . . . . Standard

Muscular Dystrophy (MD) . . . . . . . . Standard – Decline

Legionnaire’s Disease Recovered . . . . . . . . . . . . . . . . . . . . . Standard

Myasthenia Gravis Mild, 1 year since onset . . . . . . . . . . . Standard – Table 5 Others . . . . . . . . . . . . . . . . . . . . . . . . Decline

Leukemia . . . . . . . . . . . . . . . . . . . . . . . Indiv. Consideration Lupus (Discoid) No evidence of Systemic Lupus over 6 months . . . . . . . . . . . . . . . . . . . . . Standard Lupus (Systemic) Erythematosus No symptoms or complications after 1 year, over age 20 . . . . . . . . . . . . . Standard – Decline

Myocardial Infarction Over age 40 . . . . . . . . . . . . . . . . . . . . Table 4 – Decline Myocarditis Single attack, no complication, 2 years since resolution . . . . . . . . . Standard – Table 2 With complications . . . . . . . . . . . . . . Decline Myositis . . . . . . . . . . . . . . . . . . . . . . . . Standard – Decline

Lymphoma . . . . . . . . . . . . . . . . . . . . . . Indiv. Consideration 42

Fit program may apply.

Fit program may apply.

43

Impairments (continued)

Impairments (continued)

N

Pericarditis Single episode, full recovery . . . . . . Standard

Narcolepsy Onset over 6 months ago . . . . . . . . . Standard – Table 4 Nephrectomy Benign . . . . . . . . . . . . . . . . . . . . . . . . Standard Nephritis Acute . . . . . . . . . . . . . . . . . . . . . . . . . Standard – Table 3 Chronic with good renal function . . . Standard – Table 4 Chronic with poor renal function . . . Decline Neuritis . . . . . . . . . . . . . . . . . . . . . . . . . Standard – Table 2

O Organic Brain Syndrome . . . . . . . . . . Decline Osteomyelitis Chronic . . . . . . . . . . . . . . . . . . . . . . . Standard – Table 4 Osteoporosis . . . . . . . . . . . . . . . . . . . Standard

P Pacemaker (Artificial) No other heart disease after 3 months, over age 40 . . . . . . . . . . Table 2 – 4 Paget’s Disease (bone) Mild not progressive . . . . . . . . . . . . Standard Others . . . . . . . . . . . . . . . . . . . . . . . . Decline PTSD (Post Traumatic Stress Disorder) Single episode, mild . . . . . . . . . . . . . Standard Others . . . . . . . . . . . . . . . . . . . . . . . . Table 2 – 6 Palpitations . . . . . . . . . . . . . . . . . . . . . Standard – Table 3 Pancreatitis Acute, recovered . . . . . . . . . . . . . . . . Standard Chronic . . . . . . . . . . . . . . . . . . . . . . . Decline Paraplegia . . . . . . . . . . . . . . . . . . . . . . . Indiv. Consideration Parkinson’s Disease Mild . . . . . . . . . . . . . . . . . . . . . . . . . . Table 2 – 4 Marked or severe . . . . . . . . . . . . . . . Table 4 – Decline Patent Ductus Arteriosus Unoperated . . . . . . . . . . . . . . . . . . . . Decline 6 months after surgery, full recovery . . . . . . . . . . . . . . . . . . . . . . Standard

44

Fit program may apply.

Peripheral Vascular Disease Nonsmoker . . . . . . . . . . . . . . . . . . . . Standard – Table 4 . Smoker . . . . . . . . . . . . . . . . . . . . . . . . Decline Phlebitis Single episode, full recovery . . . . . . Standard Poliomyelitis No residuals . . . . . . . . . . . . . . . . . . . Standard With residuals . . . . . . . . . . . . . . . . . . Table 3 – 8 Polycystic Kidney Disease Normal renal function . . . . . . . . . . . Table 2 – 8 Abnormal renal function . . . . . . . . . Decline Polycythemia 1 year after diagnosis, controlled . . Table 2 – 4 Polymyositis . . . . . . . . . . . . . . . . . . . . . Standard – Decline Polyps Excised pathology benign . . . . . . . . Standard Prostatitis Treated, full recovery . . . . . . . . . . . . Standard Proteinuria . . . . . . . . . . . . . . . . . . . . . . Standard – Decline Psoriasis Systemic . . . . . . . . . . . . . . . . . . . . . . . Standard – Table 2 Psoriatic Arthritis . . . . . . . . . . . . . . . . (see Rheumatoid Arthritis) Pulmonary Embolism, over 6 months . . . . . . . . . . . . . . . . . . . . . . . . Standard – Table 4 Pulmonary Hypertension . . . . . . . . . Decline Pulmonary Infarction 6 months after single episode, full recovery . . . . . . . . . . . . . . . . . . Standard – Table 4 Pyelonephritis 1 year after treatment, full recovery . . Standard

Q Quadriplegia Complete . . . . . . . . . . . . . . . . . . . . . . Decline

Fit program may apply.

45

Impairments (continued)

Impairments (continued)

R

Suicide Attempt Single attempt, over 1 year . . . . . . . $5 extra per thousand Single attempt, over 5 years . . . . . . . Standard Multiple attempts . . . . . . . . . . . . . . . Decline

Regional Enteritis Symptom free 1 year, over age 20 . . . Standard – Table 6 Renal Artery Stenosis No hypertension, over 6 months . . Standard – Table 3 Renal Failure . . . . . . . . . . . . . . . . . . . . Decline Renal Transplant (single) No complications after 1 year, over age 20 . . . . . . . . . . . . . . . . . . . . . . . Table 6 – Decline Right Bundle Branch Block Complete . . . . . . . . . . . . . . . . . . . . . . Standard – Table 2

Systemic Lupus Erythematosus (SLE) 1 year since diagnosis, no complications, over age 20 . . . . . . Table 2 – 8

T Tachycardia No other heart disease . . . . . . . . . . . Standard – Table 2

Rheumatoid Arthritis Not disabled, over age 18 . . . . . . . . . Standard – Table 6

Transient Ischemic Attack Single event, over 6 months . . . . . . . . Table 2 – 4 Multiple events, over 1 year . . . . . . . Table 4 – 8

S

U

Sarcoidosis Confined to lungs or skin, in remission 6 months . . . . . . . . . . . . Standard Other . . . . . . . . . . . . . . . . . . . . . . . . . Decline

Ulcerative Colitis 1 year since diagnosis or major attack, over age 20 . . . . . . . . . . . . . Table 2 – 8

Scleroderma Localized . . . . . . . . . . . . . . . . . . . . . . Standard – Table 2 Sclerosing Cholangitis . . . . . . . . . . . . Decline Seminoma Over 8 years since treatment . . . . . . Standard Senile Dementia . . . . . . . . . . . . . . . . . . Decline Sickle Cell Anemia . . . . . . . . . . . . . . . . Decline Sickle Cell Trait . . . . . . . . . . . . . . . . . . Standard Sjogren’s Syndrome No other connective tissue disorders . . . . . . . . . . . . . . . . . . . . . Standard Sleep Apnea Successfully treated . . . . . . . . . . . . . . Standard – Table 3 Spina Bifida Minimal deformity . . . . . . . . . . . . . . Standard – Table 4 Stroke 1 year since event . . . . . . . . . . . . . . . Table 4 plus flat – Decline

46

Fit program may apply.

V Varices, Esophagus . . . . . . . . . . . . . . . Decline Ventricular Septal Defect (VSD) Trival or slight, without surgery . . . Standard to Table 4 3 months since surgery . . . . . . . . . . Standard With complications . . . . . . . . . . . . . Decline

W Wolff-Parkinson-White (WPW) No complications . . . . . . . . . . . . . . . Standard

X Xeroderma Pigmentosum . . . . . . . . . Usually Decline

Fit program may apply. These are general ranges for best case scenarios and final offers are dependent upon the merits of the case. For producer use only. Not for use with the general public.

47

Occupations As you are completing the application, please make sure to list all the occupations on the application. The most hazardous occupation your client has will determine the rate classification. If your client does have a hazardous occupation such as scuba diving or aviation, please make sure you complete and sign the avocation questions and submit it with your application. Note: This is a guide. Actual rates may change subject to specifics of an individual case. Aviation – Paid Passenger or freight flying US or Canadian Airlines n Scheduled and non scheduled airlines n Others

Life

ADB

WP

Std 3.50 per M

D D

D D

Company owned aircraft flying within the US or Canada n Commercial pilot cert. and IFR Std – 2.50 per M D Building and Construction n Bridge, structural iron workers, tower workers, 2.50 per M 2x roofers Electric Power Industry n Line construction Std 2x Fire Department n Municipal and volunteer Std 2x n Fire and smoke jumpers 3.50 per M 3x Fishing Industry – Officers and crew not coming ashore daily n Inshore, harbors, lakes, rivers Std Std n Gulfs, Oceans, seas Std – 2.50 per M 2x – 3x n Grand Banks, sealers, whalers, Alaskan crab 2.50 per M 2x fisherman Law Enforcement n Armed car guards, bank guards, municipal police, Std 2x penal guards, border patrol n Federal Agencies: FBI, DEA, CIA, SWAT, Secret IC IC Service, Federal Air Marshal Liquor Industry n Bartenders Std – 2.50 per M Std – 2x Lumber Industry n Explosive handlers, boommen, climbers, 2.50 per M 2x raftsmen, rigers, rivermen, topmen Mining and Quarrying n Assayers, chemists, detectives, guards, mining Std 2x engineers, surveyors n Underground mines – Surface workers Std – 2.50 per M 2x n Underground mines – Underground workers 2.50 – 5.00 per M 3x n Open Pit and Surface mine workers Std – 2.50 per M Std – 2x Oil and Natural Gas Industry n On shore drilling and production ● Site crew, derrick, rig and tank crew Std – 2.50 per M 2x ● Firefighters 5.00 per M 3x n Off shore drilling and production ● All workers 2.50 – 5.00 per M 3x ● Firefighters 7.50 per M D Key: D = Decline M = Thousand IC = Individual Consideration For producer use only. Not for use with the general public. 48

D Std Std Std 2x Std Std Std Std IC Std Std Std Std – 2x Std – 2x Std – 2x Std 2x 2x D

49

Avocations Note: This is a guide. Actual rates may change subject to specifics of an individual case. Aviation – Private Life Student pilots 3.50 per M Qualified pilots Expected Annual Flying Hours Total solo hours 0-200 201-300 301-600 >600 Age >26 n <100 3.50 x5 3.50 per M 5 per M 5 per M n 100-399 Std 2.5 x 2 5 per M 5 per M n > 400 Std Std 2.50 per M 5 per M Age < 26 n < 100 3.50 x 5 5 per M 5 per M 5 per M n 100-399 2.50 x 5 3.50 per M 5 per M 5 per M n > 400 2.50 x 5 2.50 per M 5 per M 5 per M *WP is unavailable if aviation is rated, otherwise STD Balloon (hot air) n Tethered Std n Free Flight Std – 2.50 per M Gliding Sail Planes Rated as Aviation Private Hang-gliding / Paragliding 2.50 – 7.50 per M Parachuting 5 to 10 per M dependent on number of jumps / year Ultralights (commercially built) n Licensed pilot Std – 5 per M n Unlicensed 3.50 – 7.50 per M Diving Snorkel Scuba (with formal training) n <100 ft n >101 ft – 130 ft ● < 10 dives annually ● > 10 dives annually n > 130 ft – contact underwriting n Cave diving Climbing/Mountaineering Trail climbing, hiking Rock, Snow / Ice Climbing n Altitude <13,000 ft n Altitude >13,000 – 23,000

ADB D

WP D

D D D

D D* D*

D D D

D D D

D D

D D

D

D

D D

D D

Life Std

ADB Std

WP Std

Std

Std

Std

3.50 per M 5 per M up

D D

D D

2.50 – 5.00 per M

D

D

Life Std

ADB Std

WP Std

2.50 – 3.50 per M 5.00 – 7.50 per M to D

D D

D D

For producer use only. Not for use with the general public. 50

51

Fit Guidelines – Term Life Answers – AccumUL Plus – AccumUL Answers – GUL – GUL Plus – GUL Survivor

Here’s where the program fits:

n Ages: 18-75 n Minimum face amount: $100,000 n Maximum face amount: $5,000,000*

(total coverage in force and applied for with United of Omaha and Companion Life Insurance Company) *(Maximum face amount $10,000,000 GUL Survivor) n Nontobacco users n Base rating after normal credits of table 4 or less n Does not apply to “flat extra” ratings or those with current rateable substance abuse histories, CAD prior to age 50, stroke or rateable cancers or Type 1 diabetes

Here’s where the credit ratings fit in

If your clients have several of the following characteristics, they may qualify for up to an additional two table credit from the base rating on both fully underwritten term and permanent insurance.** Note: No more than two lifestyle characteristics can be applied toward credits Medical n Great family history – no deaths of parents or siblings from any disease prior to age 70 n Cholesterol/HDL ratio <5.0 n Alc test <5.7 n Serum albumin >4.2 ages 61-75 n Negative cardiac testing: GXT, non-imaged or imaged (stress echo, perfusion study), echocardiogram, EBCT or angiography within the past two years n GXT exercise performance >10 METS within the past two years n Optimal blood pressure control-treated or untreated average of 135/85 or better n Preferred or better build, ages 18-60, Standard Plus or better build, age 61-75 n BNP <100 ages 61-75 n Normal CBC ages 61-75 Lifestyle n Regular preventative medical care and compliant followup for treated impairments within the past 12 months n No Tobacco in past 10 years n Income >$100,000, or net worth >$1,000,000 n Preferred or better driving record Three of the above characteristics equals 1 table credit. Five of the above characteristics equals 2 table credits. **Best case final assessment available is Standard. (Table 3 (C) can only be reduced to Table 1 (A) rather than Standard.) 52

Non-Smoker/Non-Nicotine Qualifications In order to qualify for non-nicotine rates, the proposed insured must not have used tobacco or nicotine products in any form (gum, patches, cigar, etc.) within one year prior to the application. We allow up to 12 cigars per year to qualify for nontobacco rates with a negative urinalysis test. The best class for tobacco usage is Preferred Tobacco.

Statement of Policyowner Intent Required for all applications where the proposed insured for life insurance is age 65 and above and the proposed face amount is $1,000,000 and above. United of Omaha Life Insurance Company/Companion Life Insurance Company does not issue insurance policies unsupported by an insurable interest, including any policies involved or contemplated to be involved in stranger originated life insurance (STOLI) transactions. STOLI is the practice or plan to initiate a life insurance policy for the benefit of a third party, who at the time of the policy origination, has no insurable interest in the insured. We require that the Statement of Policyowner Intent form be completed on all cases that meet these requirements. If any of the questions on this form are answered “Yes,” provide an explanation in the space provided on the form.

Premium Funding and Acknowledgement We will screen for and reject any stranger originated life insurance (STOLI) policies, or policies using nonrecourse premium financing. We will consider policies funded by traditional premium financing programs: n

The loan must be 100% collateralized by personal or business assets of the borrower

n

If the life insurance policy is part of the collateral, only the cash surrender value of the policy may be considered

n

We must be provided with full details regarding all aspects of the premium financing program

n

We reserve the right to refuse to issue the policy, based on our assessment of the premium financing structure.

Reinsurance Mutual of Omaha has very good relationships with the reinsurers and will work very hard to place your larger cases. Send us your large cases and we will work with the reinsurer to get your cases placed. However, we do require a signed application and it must be received in our home office before we can assess the case. 53

Trials/Inquiries

Term Conversion Guidelines

Trial Applications n Face Amounts: $500,000 and above for Universal Life, $2,000,000 and above for Term Life, or a minimum premium of $10,000 n Other qualifying criteria: No previous decline within the last 12 months Maximum age is 85 for UL. For ages over 80 only standard offers will be considered. SPIA and Life requests on the same client will not be considered. n Information that must be included: Applicant name, date of birth, product type and face amount applied for. Brief description of any health issues. Premium tolerance. Rating you are looking for. n Additional financial information to expedite processing: Provide details on other in-force coverage that will be replaced. Identify if this is a 1035 exchange Include competitor offers. Trial applications should be submitted with all paperwork necessary to receive our best tentative offer. Additional information submitted on trial applications will not be reviewed. If a formal application is submitted additional information will be reviewed at that time.

Products Available for Term Conversions:

Quick Quote Parameters Cases outside the following parameters may be submitted as a trial if they meet trial parameters: n Face Amounts: Through $5,000,000 n Age Limitations: Through age 75 n Do not send any attachments n Limit information to 2 paragraphs (12 to 20 lines of information) To expedite quick processing n Do not include identifying information (i.e., name, Social Security number, etc.) n Use Preferred Criteria Chart and Build Chart for potential coverage rate n Quick Quote is not recommended for clients who experience onset of coronary artery disease in their 30s 54

n Clients

can convert to available permanent life insurance products offered at time of conversion within face amount, issue age, and risk class guidelines for the permanent product. Exceptions are noted below: n Certain permanent products are not available for term conversions: Children’s Whole Life, GUL Survivor

If a Term policy is eligible for conversion, it will be converted into a new policy at the insured’s current attained age. n We are unable to convert term coverage into an existing Universal Life policy Term Life Answers (Fully Underwritten) Product

Minimum Face Amount

GUL/GUL Plus GUL Express AccumUL Plus/AccumUL Answers Whole Life Express Living Promise Term Life Express (Simplified Issue) Product

GUL Express Whole Life Express Living Promise *$50,000 for ages 66+

$100,000* $50,000 $25,000 $5,000 $2,000

Minimum Face Amount

$50,000 $5,000 $2,000

Product limitations for substandard policies: n GUL Express is not available for a substandard Term Conversion. Term conversions with a rate up must be converted to a UL product which allows for a rate up (AccumUL Plus, AccumUL Answers, GUL/GULP) n Whole Life Express will be available for a substandard Term Conversion below $25,000. All substandard Term Conversions into a Whole Life Express will carry the same rate up percentage

55

Riders: n Riders

on the conversion policy must have already existed on the Term policy; we cannot add new riders at time of conversion n The Disability Waiver of Premium rider is not guaranteed convertible. To convert this rider we will require a signed statement from client indicating client is not currently disabled and is currently performing the normal duties of his/her occupation n Accidental Death Benefit and Children’s Riders are guaranteed convertible if the rider is available on the new permanent product n Other Insured Rider can be converted into a separate permanent policy at insured’s current attained age n Term Life Answers Other Insured Rider guidelines if Primary insured converts base coverage: 1) The Other Insured Rider can be converted into a separate permanent policy if other insured also meets conversion eligibility requirements, or 2) Other Insured Rider can continue as a term policy under a new policy number at original issue age at same rider premium plus policy fee

Workflow All applications and required forms should be submitted to Mutual of Omaha home office in Blair, NE. All applications received and in process of underwriting will be reported on your pending status report found on Sales Professional Access.

How to Contact Us Mutual of Omaha’s underwriting team is a great resource for you to help you get your cases placed. You can contact us at 1-800-775-7896 with any questions you may have.

56

United of Omaha Life Insurance Company Home Office: Mutual of Omaha Plaza Omaha, NE 68175

Companion Life Insurance Company Home Office: Hauppauge, NY 11788-2934 mutualofomaha.com

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Life Insurance Underwriting Guidelines

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