Simplified Issue Term Life
By Phone Offers
- Quick Issue
3 to 4 days
A step by
step approach to term life insurance sales
over the phone
Commissions G.A. "as earned", weekly
Easy IGo online applications
Easy Electronic signature
Term Life Express 15, 20, 30
The premium is
guaranteed for the first five policy years.
• 30-year term
The premium is
guaranteed for the entire term.
15-year term • 20-year term*
• 30-year term*
Issue ages based on age last birthday
benefits include partial return of premium (ROP).
Maximum issue ages may
vary by state, product and risk class.
Simplified underwriting (standard through
Semiannual (.52) Quarterly (.275)
Monthly BSP (.089)
$60 per year
Partial Return of Premium
The return of premium
(ROP) feature is an optional benefit that
allows the policy-owner to receive a refund,
up to 100 percent of all premiums paid into
the policy upon surrender of the policy. The
ROP amount will return all available
premiums, paid and waived, including all
policy fees and all rider premiums.
United of Omaha Life
A Mutual of Omaha
Coverage can be added for
all unmarried dependent children (age 15
days through 20 years) who are members of
the insured’s household and listed in the
application. Dependent children born or
adopted after issue of this rider are
included automatically when they attain the
age of 15 days. When the coverage on a child
expires, the child may, without evidence of
insurability, convert to a form of permanent
life insurance, designated by United of
Omaha, with a face amount up to five times
the dependent child term insurance benefit.
Product base plans,
provisions, features and riders may not be
available in all states and may vary by
15-year level term: B630LNA07P, or state
equivalent. In LA, B690LLA07P. In NC,
B762LNC07P. In OK, B832LOK07P. In OR,
B842LOR07P. In TX, B892LTX07P.
20-year level term: B628LNA07P, or state
equivalent. In LA, B688LLA07P. In NC,
B760LNC07P. In OK, B830LOK07P. In OR,
B840LOR07P. In TX, B890LTX07P.
20-year level term with return of premium:
B629LNA07P, or state equivalent. In LA,
B689LLA07P. In NC, B761LNC07P. In OK,
B831LOK07P. In OR, B841LOR07P. In TX,
30-year level term: B634LNA07P, or state
equivalent. In LA, B694LLA07P. In NC,
B766LNC07P. In OK, B836LOK07P. In OR,
B846LOR07P. In TX, B896LTX07P.
30-year level term with return of premium:
B635LNA07P, or state equivalent. In LA,
B695LLA07P. In NC, B767LNC07P. In OK,
B837LOK07P. In OR, B847LOR07P. In TX,
20-year level term: B626LNA07P, or state
equivalent. In LA, B686LLA07P. In NC,
B758LNC07P. In OK, B828LOK07P. In OR,
B838LOR07P. In TX, B888LTX07P.
30-year level term: B632LNA07P, or state
equivalent. In LA, B692LLA07P. In NC,
B764LNC07P. In OK, B834LOK07P. In OR,
B844LOR07P. In TX, B894LTX07P.
(Subject to state approval)
Accelerated Death Benefit Rider
(Form: 2670L-1203, or
state equivalent. In OR, 2701L-1203. In TX,
2685L-1203.) This rider provides a lump-sum
benefit if the insured provides evidence
that his/her life expectancy is 24 months or
less. The lump-sum benefit is equal to 92
percent of the death benefit. Once the 92
percent benefit is paid, the policy is
terminated. In FL, the life expectancy is 12
months or less and the lump-sum is 94
Residential Damage Rider
(Form: A735LNA06R, or
state equivalent.) If the primary
residence sustains $25,000 or more of
damage, this rider allows
the premium for the base policy and all
riders to be waived ford. one six-month
Waiver of Premium for Unemployment Provision
This has a six-month
benefit period, waiving premiums for the
base plan and all riders if the insured
becomes unemployed. The base plan must be in
force for 24 months before unemployment
begins. The elimination period is four
continuous weeks of unemployment when the
insured is receiving state or federal
unemployment benefits. Proof of unemployment
is required at the time of claim. This is a
Common Carrier Death Benefit Provision
This provides an
additional death benefit equal to 100
percent of the original face amount or
$250,000, whichever is less. If the base
insured should die in an accident while a
fare-paying passenger on a common carrier
(e.g., airplane, train, bus) we will pay the
beneficiary the additional amount.
(Subject to state approval)
(Not available on ROP products)
(Form: 2668L-1203, or
state equivalent. In NC, 2698L-1203. In OK,
2706L-1206. In TX, 2715L-1203.) With this
rider, the insured can apply (at issue) for
a maximum monthly disability income benefit
equal to the lesser of:
1.5 percent of the face amount at issue or
$3,000 per month or
60 percent of your monthly gross income
insured can apply for either an 18- or
30-month benefit. The monthly income amount
and the benefit period cannot be changed
after issue. The elimination period is 90
* In MD 120-day elimination
period. Availability may vary by product.
Policies may be
renewed annually to age 100, without
evidence of insurability.
• Any premium paid for
the period beyond the policy month in which
death occurs will be paid to the beneficiary
as part of the death benefit. The refund
will not include premiums waived under the
Disability Waiver of Premium Rider.
policy includes a free-look provision. If
you are not satisfied with your policy,
return it to us or your United of Omaha
agent within 30 days of the date the policy
is in force. The premium paid will be
refunded and your policy will be cancelled.
The policy’s face
amount will not be paid if your death
results from suicide, while sane or insane,
within two years of the date of issue (in
CO, MO and ND, within one year). Instead,
United of Omaha will pay the sum of premiums
paid since issue. In MO, benefits will be
paid for all causes of death unless evidence
shows that suicide was intended at the time
Disability Waiver of Premium Rider
(Form: 2669L-1203, or
state equivalent. In NC, 2697L-1203. In OK,
2707L-1203.) If the insured becomes disabled
and is unable to work, the premium for the
base policy and all riders is waived through
the level period. The elimination period is
90 days**. This benefit continues as long as
the insured is disabled. If the insured does
not become disabled prior to the earlier of
the end of the level period or age 60, the
benefit is no longer available. **In MD
120-day elimination period.
Death Benefit Rider
(Form: 2143L-0989, or
state equivalent.) This rider can only be
added at issue and the issue age of the base
insured must be 18-55. The rider terminates
and the premiums stop at the earlier of the
end of the level period or the anniversary
date of the policy following the insured
attaining age 65. The benefit amounts
available are based on the issue age of the
base insured and are as follows:
Minimum ADB amount: $10,000
Maximum ADB amount: issue ages 18-25:
$100,000; 26-55: $250,000 (or the face
amount, if less)
The rider can only be added at issue, and is
available for the
base policy-owner only. The issue age of the
base insured must
The rider terminates and the premium stops
at the earlier
of the anniversary date following the
Insured’s age 65 or the
youngest child attains age 23. The
Children’s Rider covers all
unmarried dependent children (age 15 days
through 23 years
(i.e., cannot be added after 20 years of
age)) who are members
of the Insured’s household and listed in the
Children born or adopted after issue of this
rider are included
automatically when they attain the age of 15
When the coverage on a child expires, the
child may, without
evidence of insurability, convert to any
form of permanent
insurance up to $5,000 for every $1,000 of
The annual premium for the Children’s Rider
is $7.20 for
every $1,000 of insurance. This rider is
available in amounts
of $5,000 and $10,000.
United of Omaha Life Insurance Company
A Mutual of Omaha
Mutual of Omaha Plaza, Omaha, NE 68175
the Proposed Insured answers “Yes” to
questions 1 through 7 in this section, that
person is not eligible for coverage under
Has the Proposed Insured "ever"
been diagnosed by a member of the
medical profession or been tested positive
for Human Immunodeficiency Virus (AIDS
virus) or Acquired Immune Deficiency
the Proposed Insured "ever"
(a) received care or treatment for, or
(b) been advised by a member of the medical
profession to seek treatment for, or (c)
consulted with a health care provider
Artery Disease, Heart Attack, Coronary
Artery Bypass Surgery, Angioplasty, Stent
Placement, Heart Murmur/Valvular Heart
Disease or Replacement, Cardiomyopathy,
Congenital Heart Disease,
Stroke/mini-stroke, abnormal heart rhythm,
or Cerebral or Symptomatic Aneurysm?
Lung Disease (except mild Asthma), Chronic
Bronchitis, Emphysema, Sarcoidosis or Cystic
Depression, Schizophrenia, Alzheimer’s
Disease, Dementia, Parkinson’s Disease,
Demyelinating Disease including Multiple
Sclerosis, Huntington’s Disease,
Hydrocephalus, Quadriplegia, Paraplegia,
Down’s Syndrome, Autism, or any other
disease of the central nervous system?
Kidney Disease, end-stage Renal Disease with
dialysis, or Liver Disease including
Cirrhosis, Hepatitis B or Hepatitis C ?
with onset before age 50 or with vascular or
Leukemia, Melanoma or any other internal
cancer (except basal cell or squamous
Lupus or Scleroderma?
In the past "12 months",
has the Proposed Insured:
the assistance of another person or a device
of any kind for bathing, dressing, eating, toileting, getting in and out of a chair or
bed, or the management of bowel or bladder
or been advised to have, any of the
following types of care: nursing home,
assisted living facility, adult day care
facility, home health care services, or
physical, occupational, speech therapy, or
is the Proposed Insured currently confined
to any hospital or other medical facility?
used any of
the following: walker, wheelchair, electric
scooter, oxygen, or catheter?
for, received, or is the Proposed Insured
currently receiving, disability, hospital,
or medical benefits from any insurance
company, government, employer, or other
source other than for maternity, fractures,
spinal or back disorders?
In the past '12 months",
has the Proposed Insured:
advised by a member of the medical
profession to have a surgical operation,
diagnostic testing other than for routine
screening purposes, treatment, or other
procedure which has not been done?
member of the medical profession for chronic
cough, unexplained weight loss, fatigue or
unexplained gastrointestinal bleeding?
In the next "2 years",
will the Proposed Insured engage in any
motor sports racing, boat racing,
parachuting/skydiving, hang gliding, base
jumping, rock or mountain climbing?
In the past "10 years",
has the Proposed Insured:
alcohol to a degree that required treatment
or been advised to limit or discontinue its
use bya member of the medical profession?
unlawful drugs in any form (including
cocaine, methamphetamines and hallucinogens)
or used prescription drugs other than as
prescribed (including sedatives,
tranquilizers, or narcotics) in any form?
convicted of or incarcerated for a felony?
hospitalized for high blood pressure or any
mental or nervous disorder?
In the past "5 years" has the Proposed Insured been
convicted of driving under the influence of
drugs or alcohol, been convicted of reckless
driving, or had four or more moving
Your First Case:
Applications and online signatures require
login information which Mutual Of Omaha
will supply after your first application
taken by conventional means. The
the pre-appointment states of MT & PA.
Please complete the appointment forms and
submit as soon as possible.
So... Let's get your first case quote by
Complete the form and when you get to the "Desired
Term" section choose "Simplified
Continue to complete the form and when you
get to the "Carrier/Product"
section click on "Customize Carriers &
On the Carrier/Products screen scroll down
and choose "United of Omaha - Term
Life Express" and the click "add"
and then "done" on that screen.
Complete the rest of
the quote form as needed and click on "View
the "Blue Underlined Text"
takes you to additional information.
To obtain a state specific application for
Term Life Express click on the "paper
forms" button on the quote screen
Your first case state specific "Term
application forms screen appears.
All that is in yellow is what is need and
will print by clicking the print button on
the right of the screen.
Checklist for Submitting a Complete
base policy per application
Write in the product name and the amount of
insurance applied for.
applying for any rider offering Disability
Benefits, complete the supplemental
applying for the Children's Rider
Application - complete the supplemental
Complete Monthly Bank Withdrawal form if
Attach cover letter or additional
information, as needed
changes should be initialed by the
■ Always submit the Producer
Statement and always provide client with MIB
Inc Pre-Notice, Fair Credit Reporting Act
Disclosure Statement, Notice of Information
Practices, Investigative Consumer Reports
Notice, Summary of Rights, and Life
Insurance Buyer's Guide
■ Always obtain signed MIB
and HIPAA authorizations
■ If face amount is over
$250,000 – you will need a signed HIV
consent form if your state requires this
form. If your state does not require the HIV
Consent form then this form will not be
included in this application package.
■ Submit a signed
Accelerated Benefit Disclosure Form.
■ Complete Conditional
Receipt form. if a check for the initial
premium was not collected at the time of
application do not complete the form.
Complete a Mutual Of Omaha appointment forms
New Business and Contracting Transmittals
scanned forms to
completes forms to
Or Mail completed forms to -
Insurance Brokerage America
P.O. Box 30248
Charleston, SC 29417
Note: ALL Producer
Contracts MUST be submitted by the
DO NOT send directly to the home office
without GA signature!
Of Omaha Website Enrollment
Agents have to get
appointed first before they can quote rates
from the Mutual Of Omaha website....
Agents have to get appointed first
before they can access website for
HIV consent forms are available on the
website w/ each application. HIV
consent form is part of each
Pre-appointment states are MT & PA.
This being said, when you receive your
producer number you will be able to
directly submit your "Term Life Express"
applications through the unique iGO
application process below!