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United of Omaha Life Insurance Company Term Life and AD&D Insurance Only 61 percent of adult Americans have life insurance protection, a decline from 70 percent in 1984. FastFacts, LIMRA International, 2004 Financial Security — More than a Commodity Life insurance isn’t just an insurance product. It’s financial security. It protects employees and their families against the financial hardship associated with death. When it comes to offering this vital coverage, it’s important to choose a product that delivers a complete package of flexible benefit options. Term life and optional accidental death & dismemberment (AD&D) insurance from United of Omaha Life Insurance Company – a Mutual of Omaha company– do just that. Stability When It Counts For more than 95 years, we’ve kept our promises to families and their loved ones. Today, we’re stronger than ever. United of Omaha Life Insurance Company has earned strong ratings from three major rating services. A.M. Best Company, Inc. A (Excellent) (for overall financial strength and ability to meet ongoing obligations to policyholders) This rating is third highest of 15 Moody’s Investors Service Comprehensive Plan Features and Services Flexible features allow employers to create a plan to meet their specific needs. Options include: • Waiver of premium – flexible designs for elimination, termination and disability definitions • Living care benefit – options from 25 to 80 percent and $25,000 to $500,000 • Liberal benefit maximums and guarantee issue amounts – options from $10,000 to $500,000 • Dependent coverage – additional coverage for spouse and dependent children • AD&D – several unique suites including travel, family and catastrophe • Travel Assistance services – help during emergencies away from home • Total Access Benefit Services – a secured, interestbearing checking account for beneficiaries* • Employee Assistance Programs – Basic and Comprehensive plans available • Grief and healing support – information to help beneficiaries cope with the loss of a loved one *Available with benefits in excess of $10,000 MUGC8175 2/03 Aa3 (Excellent) (for current financial strength and ability to withstand financial stress in the future) This rating is fourth highest of 21 Standard & Poor’s 11/04 AA- (Very Strong) (for financial strength to meet obligations to policyholders) This rating is fourth highest of 18 8/04 Helpful Online Services Online tools and resources provide employees and benefit administrators the information they need, when they need it. At mutualofomaha.com, employers can: • Enroll employees online • Access plan administration and reporting tools • View plan management reports and bills For more information about term life and AD&D insurance or other group benefit products, contact your Mutual of Omaha representative today! Product Overview Standard Provisions Benefit Schedule • Flat • Options from 1x to 5x annual salary Plan Maximums (Based on Group Size) • Options from $10,000 to $500,000 • Other options available Guarantee Issue Limits (Based on Group Size) • Options from $10,000 to $500,000 • Other options available Reduction Schedule Basic Term Life • Age 65: 65 percent • Age 70: 45 percent • Age 75: 30 percent • Age 80: 20 percent • Age 85: 15 percent • Age 90: 10 percent • Other options available Voluntary Term Life • Age 70: 65 percent • Age 85: 20 percent • Age 75: 45 percent • Age 90: 15 percent • Age 80: 30 percent • Other options available Living Care Benefit (Employee and Spouse) • Benefit options from 25 to 80 percent • Benefit maximums from $25,000 to $500,000 Conversion Option to convert to individual whole life policy Life Waiver of Premium – Definition of Disability • Any Occupation • 2-year Own Occupation, followed by Any Occupation thereafter Waiver of Premium – Elimination Period Options from 3 to 12 months Waiver of Premium – Termination Date • Age 65, 70 or Social Security Normal Retirement Age • Other options available Layoff or Leave of Absence • Coverage terminates end of month following layoff or leave of absence • Option to extend coverage for 9 months from layoff, leave of absence, or approved sabbatical Annual Salary Increase 20 percent annual salary increase without requiring evidence of insurability, once past the Guarantee Issue Limit Coverage Type 24-hour Life and AD&D coverage Optional Provisions and Services Portability Employees can port coverage at affordable group rates; standard feature with VTL Additional AD&D Benefits (Options available in suites or individually) Travel Suite • Seatbelt Benefit – pays an additional 10 percent to max $50,000 • Airbag Benefit – pays an additional 10 percent to max $50,000 • Common Carrier – doubles the benefit if death or injury in public transportation • Repatriation – pays $5,000 for transportation of remains Family Suite • Spouse Education – pays to a maximum of $3,000 for spouse education and job training • Child Education – pays an additional 5 percent to a maximum of $5,000 for dependent child education • Child Care Center – pays 2 percent of principal sum to a maximum of $5,000 for eligible child care expenses • Continuation of Coverage – spouse coverage remains in force, 20 percent to a maximum of $50,000 after death of employee Catastrophe Suite • Paralysis – pays an additional benefit if injury results in paraplegia, hemiplegia, quadriplegia, triplegia, or uniplegia • Home Alteration – pays an additional 10 percent to a maximum of $10,000 for modifications to residence or vehicle • Coma – pays an additional 3 percent per month to a maximum of $5,000 monthly benefit for 11 months • Hospital Confinement – pays an additional benefit while hospitalized • Felonious Assault – pays an additional 10 percent to a maximum of $20,000 if injury results from assault Travel Assistance Services Assistance provided by third party vendor if employee travels outside the country or is 100 miles from home Employee Assistance Program • Basic Plan includes telephonic and Web-based services • Comprehensive Plan includes telephone and Web-based services, face-to-face visits and many other features Annual Increase Allowance Employees may increase their VTL coverage amount by $10,000 each year without providing evidence of insurability Cost Sharing Options Cost Sharing • • • • Non-contributory: 100 percent employer paid Contributory: employer and employee cost sharing Voluntary Term Life: 100 percent employee paid Flexible benefits and Section 125 available This insurance plan overview is not intended to provide a complete description of coverage. Benefits may not be available in all states. Not all features apply to voluntary products. Some exclusions, limitations and reductions may apply. Please contact your Mutual of Omaha representative for specific product details and policy provisions. Term life and AD&D 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. Term Life Policy Form Number: 7000GM-C-EZ 2001. AD&D Policy Form Number: 7000GM-M-EZ 2001.