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United of Omaha Life Insurance Company Voluntary Term Life and AD&D Insurance The average life insurance need is about $459,000, but the average amount owned is $126,000. The average underinsurance is more than $300,000. FastFacts, LIMRA International, 2004 As employees continue to look to the workplace for their insurance coverage, employers need a cost-effective way to provide complete benefits packages. Voluntary term life insurance allows employers to offer valuable life insurance coverage with no cost to the company. The Most Wanted Employee Benefit Life insurance. It’s one of the most sought after employee benefits, according to research from Eastbridge Consulting. As employees look to the workplace for coverage, many benefit managers feel the pressure of balancing employee expectations with rising benefit costs. That’s why United of Omaha Life Insurance Company, a Mutual of Omaha company, offers voluntary term life insurance, a high-demand product that is paid for by employees through payroll deduction. We’ve created flexible plan designs and eliminated the headaches of cumbersome administrative tasks and difficult enrollments. With voluntary term life insurance, employees have the freedom to select levels of coverage to help protect their family’s well-being, future endeavors and current standard of living. Useful services such as payroll deduction and online resources make this insurance a convenient, appealing option. Employees get the coverage they want and employers manage their benefits spending. Flexible Features and Options Voluntary term life insurance offers many useful features, with options benefit managers can match to the needs of their employees: • Liberal benefit maximums and guaranteed issue amounts – variety of options from $10,000 to $500,000 MUGC8176 • Waiver of premium – flexible designs for elimination, termination and disability definitions • Living care benefit – broad range of options from 25 to 80 percent and $25,000 to $500,000 • Dependent coverage – coverage for spouse and dependent children • Portability – options for both employee and spouse to easily maintain the features and benefits of their current coverage when employment ends; ported coverage does not terminate when master policy terminates • Conversion – option to convert to an individual whole life policy • Total Access Benefit Services – a secured, interestbearing checking account for beneficiaries* • Grief and healing support – information to help beneficiaries cope with the loss of a loved one Custom Benefit Designs Optional benefits for a custom package: • Accidental death & dismemberment (AD&D) – standard AD&D benefits, as well as several additional benefits available individually or packaged into unique suites (including travel, family and catastrophe) • Travel Assistance – help during emergencies away from home • Employee Assistance Program – Basic and Comprehensive plans available • Annual increase allowance – annual coverage increase of $10,000 without evidence of insurability *Available for benefit amounts of $10,000 or more Increase Participation with Comprehensive Enrollment Support Mutual of Omaha makes the enrollment process simple and straightforward with uncomplicated forms and minimal underwriting guidelines. In addition, customers have access to professional enrollment resources, including: • Customized employee kits • Award-winning videos • Decision support tools • Bilingual enrollment specialists We value the importance of educating employees about the need for insurance and increasing plan participation. Depending on group size and coverages offered, an enrollment team is available to help manage the enrollment process and give employees one-on-one attention, making the process convenient and hassle-free. Enrollment specialists are able to lead meetings in both English and Spanish. Accidental Death & Dismemberment (AD&D) Benefits For a more complete voluntary term life insurance package, employers may choose to include accidental death & dismemberment coverage* for their employees. Additional AD&D benefits may be mixed and matched individually or packaged in suites depending on the employer’s needs, and are paid in addition to the standard AD&D benefits. Travel Suite • Seatbelt benefit • Airbag benefit • Common carrier • Repatriation Family Suite • Spouse education • Child education • Child care center • Continuation of coverage Catastrophe Suite • Paralysis • Home alteration • Coma • Hospital confinement • Felonious assault Only 61 percent of adult Americans have life insurance protection, a decline from 70 percent in 1984. FastFacts, LIMRA International, 2004 Guaranteed Issue Amounts Offer Flexibility Guaranteed issue amounts are matched to the size of the employer’s workforce and the percent of employees enrolled in the plan. Number of employees 20 to 24 percent of employees enrolled 25+ percent of employees enrolled 10 to 99 $25,000 $50,000 100 to 249 $50,000 $100,000 250 to 999 $75,000 $150,000 1,000 to 4,999 $100,000 $200,000 5,000+ $150,000 $300,000 Helpful Online Services Online tools and resources provide benefit managers immediate access to the information they need. Services include: • Plan administration and reporting tools • Plan management reports and bills • Employee enrollment tools Eligibility Requirements • Minimum enrollment of 10 employees or 25 percent of eligible employees, whichever is greater • All active, full-time employees working 30 or more hours per week • Lawful spouse, and dependent children from 14 days to 21 years; 25 years if a full-time student *The AD&D benefit is paid if an employee is injured as a result of an accident, and that injury is independent of sickness and all other causes. This insurance plan overview is not intended to provide a complete description of the voluntary benefit coverage. Benefits may not be available in all states. Some exclusions, limitations and reductions may apply. Please contact your Mutual of Omaha representative for specific product details and policy provisions. Voluntary term life and accidental death & dismemberment insurance is underwritten by United of Omaha Life Insurance Company, Mutual of Omaha Plaza, Omaha, NE 68175. United of Omaha Life Insurance Company is licensed in every state except New York. Voluntary Term Life Insurance Policy Form Number: 7000GM-C-EZ 2001 Accidental Death & Dismemberment Insurance Policy Form Number: 7000GM-M-EZ 2001