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United of Omaha Life Insurance Company A Mutual of Omaha Company GUARANTEED UNIVERSAL LIFE Guarantee Tomorrow. Focus on Today. Express plan highlights Face Amount $50,000 to $250,000 n 18-65 Standard (non tobacco) and Standard (tobacco) risks only; age last birthday Interest Rate Option 1 level death benefit only. Chronic Illness: the rider provides a benefit of up to $250,000 of the current death benefit if the insured provides evidence that they are unable to perform 2 of the 6 ADLs and they have been confined to a qualified inpatient home for 90 days or more. The benefit will be paid out either as a lump sum or the amount will be deposited into an account and the client will have access to that account for as long as money is available. The remaining death benefit will remain in force and payable to the beneficiary at the time of the insured’s death. Maturity Age Guaranteed Insurability Rider n n A minimum interest rate of 3 percent is guaranteed on the cash accumulation value An interest rate bonus of .50 percent will be given in the 10th policy year and after as long as the current interest rate is higher than the guaranteed interest rate Death Benefit Age 120 Flexible Premiums The planned premium is flexible and may be changed by the insured once during the policy year, beginning in policy year two and thereafter. The insured may also make additional premium payments at any time. Premiums are payable to age 120. Missed or late premiums can affect the no-lapse guarantee. Dial-A-Guarantee – The guaranteed coverage can be anywhere between a minimum required period of 20 years and a maximum of lifetime coverage to age 120. Catch Up Option This allows the insured to catch up if the premiums are less than planned, paid late or skipped. These events cause the selected Guaranteed Death Benefit period to be reduced. To catch up to the originally selected guarantee period, the insured must pay more total premium provided the no-lapse guarantee is in effect. No charge riders included in the base policy (may not be available in all states): Accelerated Death Benefit for Terminal and Chronic Illness Rider (Form: A989LNA06R, or state equivalent. In PA, B358LPA06R. In TX, B360LTX06R.) The Accelerated Death Benefit Rider for Terminal Illness and Chronic Illness is a no cost rider available at issue on all policies. The maximum cumulative amount of death benefit that can be accelerated is $250,000. After the acceleration, the death benefit of the policy must be equal to or greater than $25,000. The acceleration can only be elected once for terminal illness. The acceleration can be elected multiple times for chronic illness. An actuarial factor will be applied to the amount requested. There is a $100 charge for the enactment of this rider. LC6354_0707 (Form: A990LNA06R, or state equivalent.) This rider provides the insured the option to periodically increase the specified amount without additional underwriting. A specified amount increase of $25,000 may be elected at the time of issue and will remain constant for each election. Only one specified amount is allowed each year. The increase in the specified amount may be elected 90 days following: (a) marriage of the insured; (b) the birth of the insured’s child; (c) the adoption of the insured’s child; and (d) the 3rd policy anniversary and every 3 years thereafter until the rider expires. If a specified amount increase is not exercised for 7 consecutive years, this rider will terminate. No increase will be allowed under this rider if the increase would cause the current specified amount to exceed 200% of the initial specified amount or $250,000 (whichever is less). Any change in specified amount will affect the cumulative monthly requirement test for the nolapse guarantee. This means that the no-lapse guarantee may not be in effect if the specified amount is increased and additional premiums are not paid. This rider will terminate on the earliest of the following: (a) the policy anniversary date following the insured’s 50th birthday; (b) the date the current specified amount is double the amount of the insured’s initial specified amount; (c) the date the insured’s current specified amount reaches $250,000; (d) the date on which the insured has failed to exercise a specified amount increase for 7 consecutive years; or (e) the date the policy ends. Waiver of Surrender Charges for Partial Withdrawal/Liquidity Features (Form: 2471L-1197, or state equivalent. In OR, 2483L-1197. In PA, 2486L-1197.) (may not be available in all states) A portion of the funds may be withdrawn without surrender charges in event the insured is: n Hospitalized or confined to a nursing home Section 1 Issue Ages Terminal Illness: the rider provides a benefit of up to $250,000 of the current death benefit if the insured provides evidence that their life expectancy is 12 months or less. The accelerated death benefit amount will be 94 percent of the amount you request. The remaining death benefit will remain in force and payable to the beneficiary at the time of the insured’s death, adjusted for outstanding loans and any withdrawals. n n n n n n Unemployed and receiving unemployment benefits for at least 60 days Disabled and has been approved for Social Security disability benefits Diagnosed with terminal illness that will result in death within the next 12 months Faced with the death of a spouse or minor dependent Determined to have physical damage of $50,000 or more to his/ her primary residence Undergoing transplant surgery as an organ donor or recipient of liver, lung, kidney, pancreas, or bone marrow (recipients only) Additional riders available for purchase (may not be available in all states): Accidental Death Benefit Rider (Form: 2144L-0989, or state equivalent.) This rider is available to issue ages 18-60 with renewal ages 19-64. The minimum amount is $10,000 and the maximum amount applies to: n Issue ages 18-25 = $100,000 n Issue ages 26-60 = $250,000 n Or two times the face amounts, whichever is less Disability Rider (Form: 423L-0982, or state equivalent.) Available to issue ages 18-55 with renewal ages 19-59. If the insured becomes disabled before the policy anniversary following the insured’s 60th birthday and the disability continues for at least six months, this rider will waive payment of the monthly deduction amount (cost of insurance charges and expense charges) during the continuance of the disability, even if the disability extends beyond age 60. Dependent Children’s Rider (Form: 2069L-0189, or state equivalent.) Available to issue ages 18-55. This rider provides coverage to each covered child’s 23rd birthday or to the policy anniversary following the insured’s 65th birthday, if earlier. Partial Withdrawals Partial withdrawals are available after the first policy anniversary. The minimum withdrawal is $500. The maximum partial withdrawal is a percentage of the cash surrender value, less any outstanding loan balance, less an amount necessary to keep the policy and any riders in force for three months. The maximum partial withdrawal percentages are: Years 2-19 90 percent Years 20+ 100 percent In policy years 2-19 only one partial withdrawal is allowed per year. Surrender charges will apply if partial withdrawals are taken from the policy. A $100 handling fee will be charged. Loans Policy loans may be made at any time after the first policy year. n Charge 6 percent in advance n Credit 3 percent n Net 3 percent The minimum loan amount is $500 (may not apply in all states). If a policy loan is made, the death benefit will be reduced by the amount of the loan. Monthly Deductions A monthly deduction is taken from the cash accumulation value, and includes the following: n $5 policy fee n A 10 percent premium charge n A monthly charge per $1,000 of the specified amount of insurance n Cost of insurance for current month n Cost of riders for current month Additional Product Information It is possible coverage may not continue to the maturity date even if planned premiums are paid in a timely manner. This restriction will not apply when the no-lapse guarantee is in effect. If the policy does continue in force to the maturity date, it is possible that there will be little or no cash surrender value at that time. Policy values will be affected to the extent interest credits and cost of insurance charges are more favorable than guaranteed credits and charges. Policy Exclusion The face amount will not be paid if the insured’s death results from suicide, while sane or insane, within two years from the date of issue (within one year in Colorado or North Dakota). Instead, we will pay the sum of premiums paid since issue. In Missouri, benefits are paid for all causes of death unless evidence shows that suicide was intended at the time of purchase. Underwritten by: United of Omaha Life Insurance Company A Mutual of Omaha Company Mutual of Omaha Plaza Omaha, NE 68175 mutualofomaha.com Product base plans, provisions, features and riders may not be available in all states and may vary by state. GUL Express Policy Forms: Sex Distinct Policy Form A998LNA06P, or state equivalent. In OK, B302LOK06P. In OR, B306LOR06P. In PA, B310LPA06P. In TX, B326LTX06P. Unisex Policy Form A999LNA06P, or state equivalent. In OK, B303LOK06P. In OR, B307LOR06P. In PA, B311LPA06P. In TX, B327LTX06P.