LIFE

INSURANCE

FULLY
UNDERWRITTEN
LIFE INSURANCE
UNDERWRITING
GUIDE
Term and Permanent Products

Updated February 2024

For producer use only. Not for use with the general public.
619000_0224
Table of Contents
Our Life Underwriting Philosophy............................................................................... 1
• Important Note Regarding Underwriting for the LTC Rider
• Submitting Applications
• How to Contact Us

Underwriting Strengths............................................................................................... 2
• Medical
• Non-Medical

Underwriting Build Chart............................................................................................. 3

Initial Underwriting Requirements............................................................................. 5

Underwriting Class Criteria......................................................................................... 8

• Non-Smoker/Non-Nicotine Qualifications
• Preferred Plus
• Preferred
• Standard Plus

Completing Fully Underwritten Applications........................................................... 11

• General Instructions
• Producer Report
• Reinsurance

Life Insurance Submission Guidelines and Criteria.................................................13

• Temporary Life Insurance Agreement (TIA)
• Maximum Autobind and Retention Limits
• Jumbo Limits
• Testing of Proposed Insured
• Approved Paramedical Companies
• Attending Physician’s Statement
• Inspection Reports
• Motor Vehicle Records
• Statement of Policyowner Intent
• Power of Attorney
Underwriting Programs...............................................................................................18
• Fluidless Underwriting Program
• Accelerated Underwriting Program
• Fit Underwriting Credit Program

Financial Underwriting Guidelines............................................................................ 23

• Income Replacement Amounts
• Estate Conservation
• Non-Working Spouse
• Business Insurance
• Key Person
• Creditor Insurance
• Buy/Sell
• Charitable Giving
• Premium Funding Acknowledgement

Medical Impairments................................................................................................. 26

Non-Medical Underwriting Considerations............................................................. 33

• Occupations
• Avocations
• Foreign National and Immigrant Residency Policy

Juvenile Life Insurance Guidelines............................................................................ 36

• Life Insurance Face Amounts
• Ownership/Beneficiary Relationships
• Household Life Insurance Coverages
• Risk Class
 Our Life Underwriting Philosophy
Mutual of Omaha appreciates your business and is committed to providing you with the tools that improve the
underwriting process. We look at the total picture of the applicants and evaluate each application based on several
criteria. You will find that in this easy-to-use reference guide, we have included valuable information including our
requirements grid, build chart and much more.

We provide you with some of the most experienced and knowledgeable underwriting teams in the industry. Our
teams 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 pre-quotes to give you an idea of our position on certain cases. Our team is here
to help you place business. Give us a call with any questions you may have at 1-800-775-7896 or contact your
underwriting team.

Important Note Regarding Underwriting for the LTC Rider

When submitting a life insurance application that includes a Long-Term Care (LTC) Rider, the rider will be
underwritten separate from the base life insurance policy. The underwriter who will review the LTC Rider will be the
same underwriter that is reviewing the base life insurance policy. For complete underwriting guidelines on the LTC
Rider, please refer to the separate LTC Rider Information and Underwriting Guide.

Submitting Applications How to Contact Us

All applications and required forms should be Underwriting Support: 1-800-775-7896
submitted to:
iGo eApp Support: 1-800-641-6557
Mutual of Omaha
3300 Mutual of Omaha Plaza Sales Support: 1-800-693-6083
Omaha, NE 68175

Fax: (402) 997-1804

All applications received that are in the

process of being underwritten will be reported
on your pending status report found on Sales
Professional Access.

1
Underwriting Strengths
Medical Non-Medical
• Commercial pilots for regularly scheduled U.S.
Tobacco and Canadian passenger airlines can qualify for all
• Occasional cigar users (two per month or less) can Preferred classes and private pilots can qualify for
qualify for Preferred Plus, Preferred and Standard Preferred Plus, Preferred or Standard Plus classes
Plus nontobacco rates if there is a negative with an Aviation Exclusion Rider (AER)
urinalysis test
• Private pilots meeting the following requirements
• Clients who occasionally use marijuana may qualify may qualify for Preferred and Standard Plus risk
for Preferred or Standard Plus nontobacco rates classes:
• We offer a Preferred tobacco class • Ages 30-70
• A minimum of 1,000 total hours of piloting
Family History experience and flying between 50-250
hours annually
• Family history qualifications do not apply if the
• Must hold an IFR/ATP rating
proposed insured is 60 or older for Preferred Plus,
Preferred and Standard Plus classes • No FAA violations within the past 5 years
• Must be a Standard aviation risk
• Family history qualifications do not apply to gender
specific cancers for opposite sex persons • All Preferred classes may be available for occasional
scuba diving if the proposed insured is certified and
• Family history qualifications apply only to deaths
dives less than 100 feet
rather than disease
• We offer an Age Last Birthday advantage
• Family history of deaths due to diabetes can qualify
for Preferred Plus, Preferred and Standard Plus

Health Conditions
• Mild asthma 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 Plus,
Preferred or Standard Plus classes
• We offer unisex build charts
• The max cholesterol level for Preferred classes is
300, with ratios as follows:
• Preferred Plus < 5.0
• Preferred NT < 6.0
• Standard Plus < 7.0

Fit Underwriting Credit Program

Up to 2 table credits are possible through age 75 and on face amounts up to $5,000,000

2
 Underwriting Build Chart
This build chart is not applicable to Juvenile risks. Please contact underwriting to discuss your juvenile build risks.

Preferred Standard +25 +50

Preferred Standard
Plus Plus (Table 1) (Table 2)

Height Weight

4’ 8” 125 144 153 158 170 184

4’ 9” 131 150 160 165 176 189
4’ 10” 135 155 165 170 182 194
4’ 11” 141 160 170 176 187 199
5’ 0” 146 166 177 184 193 205
5’ 1” 152 173 185 191 199 211
5’ 2” 158 179 190 197 205 215
5’ 3” 164 184 195 203 213 220
5’ 4” 169 189 200 209 221 225
5’ 5” 174 194 205 215 226 231
5’ 6” 180 200 210 222 232 239
5’ 7” 185 205 215 228 239 245
5’ 8” 189 209 220 235 246 251
5’ 9” 195 215 225 242 254 258
5’ 10” 200 221 232 250 262 266
5’ 11” 206 227 237 258 269 274
6’ 0” 211 232 244 265 275 281
6’ 1” 217 239 252 271 282 289
6’ 2” 222 244 257 279 289 296
6’ 3” 228 250 262 285 296 303
6’ 4” 233 255 268 292 301 311
6’ 5” 239 261 274 298 307 319
6’ 6” 246 268 280 307 313 328
6’ 7” 252 274 286 313 320 336
6’ 8” 258 280 294 320 327 345
6’ 9” 264 287 302 326 335 352
6’ 10” 270 294 310 334 343 359

3
Underwriting Build Chart (continued)
+75 +100 +125 +150 +200 +250 +300
(Table 3) (Table 4) (Table 5) (Table 6) (Table 8) (Table 10) (Table 12)

Height Weight

4’ 8” 190 197 204 212 221 230 240

4’ 9” 195 202 209 216 225 234 244
4’ 10” 201 208 214 222 231 240 249
4’ 11” 207 214 220 228 237 245 254
5’ 0” 213 220 226 235 244 253 262
5’ 1” 218 226 233 242 250 259 269
5’ 2” 223 232 239 248 257 266 277
5’ 3” 228 238 246 255 264 275 284
5’ 4” 235 245 252 261 270 281 292
5’ 5” 242 251 259 268 277 286 299
5’ 6” 248 258 268 276 285 293 308
5’ 7” 254 265 275 284 293 303 316
5’ 8” 262 274 283 291 300 312 324
5’ 9” 270 282 291 299 309 319 331
5’ 10” 278 289 300 307 316 327 340
5’ 11” 287 298 307 315 325 339 349
6’ 0” 292 305 315 322 333 348 356
6’ 1” 300 313 322 330 340 355 365
6’ 2” 308 321 331 339 349 366 374
6’ 3” 317 329 339 348 358 376 383
6’ 4” 325 338 348 357 367 385 394
6’ 5” 334 347 357 366 376 393 402
6’ 6” 345 358 366 375 385 405 413
6’ 7” 354 367 375 384 394 413 422
6’ 8” 363 376 385 395 405 422 431
6’ 9” 372 385 395 406 415 435 444
6’ 10” 382 395 407 418 427 444 462

4
 Initial Underwriting Requirements
Amount Being Underwritten: Effective 1-01-2023
Age
$25,000 - $100,000 - $250,000 - $500,000 - $750,001 -
$99,999 $249,999 $499,999 $750,000 $1,000,000

Under 18 Nonmedical, Rx Nonmedical, Rx Nonmedical*, Rx N/A N/A

18-30 Nonmedical, Rx Paramed, Paramed, Paramed, Paramed,
Blood & HOS, Blood & HOS, Blood & HOS, Blood & HOS,
MVR, Rx MVR, Rx MVR, Rx MVR, Rx
31-35 Nonmedical, Rx Paramed, Paramed, Paramed, Paramed,
Blood & HOS, Blood & HOS, Blood & HOS, Blood & HOS,
MVR, Rx MVR, Rx MVR, Rx MVR, Rx
36-45 Nonmedical, Rx Paramed, Paramed, Paramed, Paramed,
Blood & HOS, Blood & HOS, Blood & HOS, Blood & HOS,
MVR, Rx MVR, Rx MVR, Rx MVR, Rx
46-55 Nonmedical, Rx Paramed, Paramed, Paramed, Paramed,
Blood & HOS, Rx Blood & HOS, Rx Blood & HOS, Rx Blood & HOS, Rx
56-60 Nonmedical, Rx Paramed, Paramed, Paramed, Paramed,
Blood & HOS, Rx Blood & HOS, Rx Blood & HOS, Rx Blood & HOS, Rx
61-65 Nonmedical, Rx Paramed, Paramed, Paramed, Paramed
Blood & HOS, Rx Blood & HOS, Rx Blood & HOS, Rx Blood & HOS
BNP, Rx
66-70 Nonmedical, APS, Paramed, Paramed, Paramed & SA**, Paramed & SA**,
Rx Blood & HOS, Blood & HOS, Blood & HOS, Blood & HOS,
APS, Rx APS, Rx APS, Rx BNP, APS, Rx
71 and Nonmedical, APS, Paramed, Paramed, Paramed & SA, Paramed & SA,
Over Rx Blood & HOS, Blood & HOS, Blood & HOS, Blood & HOS,
APS, Rx BNP, APS, Rx BNP, APS, MVR, BNP, APS, MVR,
Rx Rx

Key
APS Attending Physician’s Statement PFS Personal Financial Supplement
Blood & HOS Blood & Urine Collection (Form L4844)

BNP NT-Pro BNP (Part of the blood profile) Rx Pharmaceutical Check

EIR Electronic Inspection Report SA Senior Assessment (Completed as a

(Ordered by Home Office) part of a paramedical exam)

EKG Electrocardiogram TT Tax Transcripts (4506-C) and

Authorization for Release Form
IR Inspection Report (462441)
MVR Motor Vehicle Report * APS required on juveniles over
(Ordered by Home Office) $250,000
Nonmedical A Fully Completed Application ** Senior Assessment is only required
Paramed Long Form Exam (Form MLU21727) for this age and amount when
applying for LTC Rider.

5
Initial Underwriting Requirements (continued)
Amount Being Underwritten: Effective 1-01-2023
Age
$1,000,001 - $2,000,001 - $5,000,001 - Over
$2,000,000 $5,000,000 $10,000,000 $10,000,000

Under 18 N/A N/A N/A N/A

18-30 Paramed, Blood & HOS, Paramed, Blood & HOS, Paramed, Blood & HOS, Paramed, Blood & HOS,
MVR, Rx EIR, MVR, PFS, Rx APS, EIR, MVR, PFS, Rx APS, EIR, MVR, PFS, Rx
31-35 Paramed, Blood & HOS, Paramed, Blood & HOS, Paramed, Blood & HOS, Paramed, Blood & HOS,
MVR, Rx EIR, MVR, PFS, Rx APS, EIR, MVR, PFS, Rx APS, EIR, MVR, PFS, Rx
36-45 Paramed, Blood & HOS, Paramed, Blood & HOS, Paramed, Blood & HOS, Paramed, Blood & HOS,
MVR, Rx EIR, MVR, PFS, Rx APS, EIR, MVR, PFS, Rx APS, EIR, MVR, PFS, Rx
46-55 Paramed, Blood & HOS, Paramed, Blood & HOS, Paramed, Blood & HOS, Paramed, Blood & HOS,
EIR, MVR, Rx APS (>Age 50), EIR, APS, EIR, MVR, PFS, Rx APS, EIR, MVR, PFS, Rx
MVR, PFS, Rx
56-60 Paramed, Blood & HOS, Paramed, Blood & HOS, Paramed, Blood & HOS, Paramed, Blood & HOS,
EIR, MVR, Rx APS, EIR, MVR, PFS, Rx APS, EIR, MVR, PFS, Rx APS, EIR, MVR, PFS, Rx
61-65 Paramed, Blood & HOS, Paramed, Blood & HOS, Paramed, Blood & HOS, Paramed, Blood & HOS,
EIR, MVR, Rx, BNP APS, EIR, MVR, PFS, Rx, APS, EIR, MVR, PFS, Rx, APS, EIR, MVR, PFS, Rx,
BNP BNP, EKG BNP, EKG
66-70 Paramed, Blood & HOS, Paramed & SA, Paramed & SA, Paramed & SA,
APS, MVR, Rx, BNP Blood & HOS, EIR, EKG, Blood & HOS, EIR, EKG, Blood & HOS, EIR, EKG,
APS, MVR, PFS, Rx, APS, MVR, PFS, Rx, APS, MVR, PFS, Rx,
BNP BNP BNP
71 and Paramed, Blood & HOS, Paramed & SA, Paramed & SA, Paramed & SA,
Over APS, MVR, Rx, BNP Blood & HOS, EIR, EKG, Blood & HOS, EIR, EKG, Blood & HOS, EKG,
APS, MVR, PFS, Rx, APS, MVR, PFS, Rx, APS, IR, MVR, PFS, Rx,
BNP BNP BNP, TT

Key
APS Attending Physician’s Statement PFS Personal Financial Supplement
Blood & HOS Blood & Urine Collection (Form L4844)

BNP NT-Pro BNP (Part of the blood profile) Rx Pharmaceutical Check

EIR Electronic Inspection Report SA Senior Assessment (Completed as a

(Ordered by Home Office) part of a paramedical exam)

EKG Electrocardiogram TT Tax Transcripts (4506-C) and

Authorization for Release Form
IR Inspection Report (462441)
MVR Motor Vehicle Report * APS required on juveniles over
(Ordered by Home Office) $250,000
Nonmedical A Fully Completed Application ** Senior Assessment is only required
Paramed Long Form Exam (Form MLU21727) for this age and amount when
applying for LTC Rider.

6
 Paramedical Vendors
American Para Professional Systems (APPS): 1-800-635-1677
ExamOne: 1-877-933-9261

UNDERWRITING REQUIREMENTS ARE GOOD FOR UP TO ONE YEAR THROUGH AGE 70 WITH A FULLY
COMPLETED APPLICATION PART 2 OR GOOD HEALTH STATEMENT. OVER AGE 70, UNDERWRITING
REQUIREMENTS ARE GOOD FOR UP TO SIX MONTHS.

Note: Premium Finance cases will be assessed on case-by-case basis and additional requirements may be needed.

7
Underwriting Class Criteria
Non-Smoker/Non-Nicotine Qualifications
To qualify for non-nicotine rates, the proposed insured must not have used tobacco or nicotine products in any form
(gum, patch, cigar, vaping, electronic cigarettes, hookah, etc.) within one year prior to the application. We allow up
to 24 cigars per year to qualify for nontobacco rates with a negative urinalysis test. The best class for tobacco usage
is Preferred Tobacco.

Preferred Plus Underwriting Criteria

Nicotine: No nicotine x 36 months

Tobacco Occasional cigar, nontobacco available with negative HOS1
No death of a parent prior to age 60 due to Cancer or Heart Disease
Family History (Family history does not apply if age 60 and older, or for gender-specific
cancers for opposite sex persons)
Treatment allowed with good control
Blood Pressure
< 140/85
Cholesterol ratio < 5.0 (average of 3 cholesterol readings over past 12
Cholesterol months, if available2)
Treatment allowed
Alcohol & Drug History Allowed after 15 years
No history of CAD, DM or Cancer (Basal Cell skin cancer and superficial
Medical History
squamous cell allowed)
No convictions for DWI, DUI or reckless driving within the last five (5) years
Driving Record
and otherwise not rateable
No participation in any hazardous occupation, avocation or sport in the last
Avocation/Occupation3
five (5) years
Aviation4 No flying as a private pilot or crewmember unless aviation exclusion
Criminal Record No felony convictions in the past 10 years
Build See Underwriting Build Chart
If all Preferred Plus criteria are met and the laboratory values do not warrant
Profile & HOS
any debits, Preferred Plus 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 United of Omaha Life Insurance Company home office underwriter.

An occasional celebratory cigar is no more than 24 cigars per year.

1

2
Total cholesterol cannot exceed 300.
3
Limited scuba diving as a part of vacation or other occasional occurrence is acceptable if depth of dive does not
exceed 100 feet.
4
Some types of commercial aviation may be acceptable based on manual guidelines.

8
 Preferred Underwriting Criteria

Nicotine: No nicotine x 24 months

Tobacco Occasional cigar, nontobacco available with negative HOS1
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
Family History group, one cardiac death allowed
(Family history does not apply if age 60 and older, or for gender-specific
cancers for opposite sex persons)
Treatment allowed with good control
Blood Pressure
< 145/90
Cholesterol ratio < 6.0 (average of 3 cholesterol readings over past 12
Cholesterol months, if available2)
Treatment allowed
Alcohol & Drug History3 Allowed after 10 years
No history of CAD, DM or Cancer (Basal Cell skin cancer and superficial
Medical History
squamous cell allowed)
No convictions for DWI, DUI or reckless driving within the last five (5) years
Driving Record
and otherwise not rateable
Avocation/Occupation4 No hazardous activities within the past 2 years
Aviation 5,6
No flying as a private pilot or crewmember unless aviation exclusion
Criminal Record No felony convictions in the past 10 years
Build See Underwriting Build Chart
If all Preferred criteria are met and the laboratory values do not warrant any
Profile & HOS
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 United of Omaha Life Insurance Company home office underwriter.

An occasional celebratory cigar is no more than 24 cigars per year.

1

2
Total cholesterol cannot exceed 300.
3
History of and current experimental, occasional, or intermittent marijuana use allowed for Preferred and Standard
Plus for ages 18 and above. CBD oil use allowed if no debits for chronic pain.
4
Limited scuba diving as a part of vacation or other occasional occurrence is acceptable if depth of dive does not
exceed 100 feet.
5
Some types of commercial aviation may be acceptable based on manual guidelines.
6
Certain private pilots may qualify for Preferred and Standard Plus risk classes: Ages 30-70, minimum 1,000 total
hours of piloting experience and flying between 50-250 hours annually, IFR/ATP rating, no FAA violations within
the past 5 years and must be a Standard aviation risk.

9
 Standard Plus Underwriting Criteria

Nicotine: No nicotine x 12 months

Tobacco Occasional cigar, nontobacco available with negative HOS1
No death of a parent prior to age 60 due to Cancer or Heart Disease
Family History (Family history does not apply if age 60 and older, or for gender-specific
cancers for opposite sex persons)
Treatment allowed with good control
Blood Pressure
< 150/90
Cholesterol ratio < 7.0 (average of 3 cholesterol readings over past 12
Cholesterol months, if available2)
Treatment allowed
Alcohol & Drug HIstory3 Allowed after 5 years
No history of CAD, DM or Cancer (Basal Cell skin cancer and superficial
Medical History
squamous cell allowed)
No convictions for DWI, DUI or reckless driving within the last five (5) years
Driving Record
and otherwise not rateable
Avocation/Occupation4 Flat extras are allowed
No flying as a private pilot or crewmember unless aviation exclusion (IFR
Aviation5,6
private pilots allowed if standard)
Criminal Record No felony convictions in the past 10 years
Build See Underwriting Build Chart
If all Standard Plus criteria are met and the laboratory values do not warrant
Profile & HOS
any debits, Standard Plus 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 United of Omaha Life Insurance Company home office underwriter.

An occasional celebratory cigar is no more than 24 cigars per year.

1

2
Total cholesterol cannot exceed 300.
3
History of and current experimental, occasional, or intermittent marijuana use allowed for Preferred and Standard
Plus for ages 18 and above. CBD oil use allowed if no debits for chronic pain.
4
Limited scuba diving as a part of vacation or other occasional occurrence is acceptable if depth of dive does not
exceed 100 feet.
5
Some types of commercial aviation may be acceptable based on manual guidelines.
6
Certain private pilots may qualify for Preferred and Standard Plus risk classes: Ages 30-70, minimum 1,000 total
hours of piloting experience and flying between 50-250 hours annually, IFR/ATP rating, no FAA violations within
the past 5 years and must be a Standard aviation risk.

10
 Completing Fully Underwritten Applications
General Instructions
Please follow the instructions below when completing a fully underwritten application:
• Only one base policy can be applied for per application
• Select the product name on the application and write in the amount of insurance applied for
• Select risk/rate class applied for
• Children’s Rider Supplement Application – complete if applying for the Children’s Rider
• Juvenile Life Insurance Supplemental Application – complete if Proposed Insured or Other Proposed Insured
is age 15 days-17 years
• Long-Term Care Rider Supplemental Application – complete if applying for the LTC Rider
• Complete the Monthly Bank Withdrawal Form if applicable
• Attach a cover letter or additional information, as needed
• All changes should be initialed by the Applicant/Owner
• Always submit the Producer Statement and always provide the client with MIB Group Inc. Pre-Notice, 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 the face amount is $100,000 and above, you will need a signed HIV consent form
• You will need a signed Accelerated Death Benefit Disclosure Form
• If face amount is $1,000,000 and above, and the Proposed Insured is age 65 or over – you will need signed
Statement of Policyowner Intent and, signed Premium Funding and Acknowledgement form
• 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
• Have client sign state replacement forms (if applicable) and provide a copy to the client
• If a Financial Institution would receive compensation for a sale, the Financial Institution Consumer Disclosure
must be signed by the client
• If the face amount is over $5,000,000, an Authorization to Release form and an IRS 4506-C form will need
to be filled out and signed by the client
• An illustration or Acknowledgment/Illustration Certification form must be submitted for Income Advantage
IUL, Life Protection Advantage IUL and AccumUL Answers
• The illustration must match how the policy is issued. When changes are made after application submission,
a newly signed illustration marked as revised will be required
• 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

11
Producer Report
The producer 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.

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.

12
 Life Insurance Submission Guidelines and Criteria
Temporary Life Insurance Agreement (TIA)
TIA Eligibility Requirements
• 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)
• All six 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
• The maximum face amount eligible for coverage is $1,000,000. TIAs are not allowed on any face amount
over $1,000,000*
No temporary insurance is provided if:
• A completed TIA is not submitted with the application
• A TIA eligibility question is answered “yes”
Temporary life insurance and any coverage provided hereunder will end on the earliest of the following dates:
• 90 days from the date of the TIA
• The date we deliver the policy applied for to the applicant/owner and all delivery requirements have
been completed
• The date we mail a letter notifying that we: (a) are unable to approve the requested coverage at a standard risk
class; or (b) have declined to issue the policy; or (c) will not provide temporary insurance coverage
• The date the applicant/owner withdraws the application for insurance

*Maximum benefit amount is $1,000,000

Maximum Autobind and Retention Limits

Ratings & Flat Extras Ages 0-80 Ages 81-85

$5,000,000
Standard through Maximum Autobind $50,000,000
Standard Only
Table 6 and Flat Extras
through $15/Thousand Retention $5,000,000 $500,000

Maximum Autobind $25,000,000 Facultative Only

Table 7+ and Flat Extras
over $15/Thousand
Retention $2,500,000 N/A

13
Jumbo Limits
Up to Age Total Amounts In Force and Applied for Including Any Replacements

80 $65,000,000
81-85 $25,000,000

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 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), as well
as a Senior Assessment evaluation, 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 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

Approved Paramedical Companies

American Para Professional Systems (APPS): 1-800-635-1677
ExamOne: 1-877-933-9261

14
 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 an APS 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.

Reimbursement for APSs

If you choose to order the APS on your client instead of Mutual of Omaha, we will reimburse you the usual and

On average only 50% of fully underwritten life applicants require an APS.

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.

APS Guidelines
An APS should be ordered for cause in all cases with significant medical history such as Cancer, CAD, Diabetes,
other potentially ratable or uninsurable impairments or major medical testing as outlined below. The APS age and
amount criteria is shown in our Underwriting Requirements chart.

The following exceptions can generally be made to the age and amount criteria if an exam was done as part of a:
• Work physical
• Routine GYN exam
• Aviation exam
• DOT exam, etc.
• Eye exam

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.

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 or younger
• Has a face amount $2,000,000 or less
• Does not exceed $2,000,000 in total coverage in force plus the amount being applied for

(APS Guidelines continued on next page)

15
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
• 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.

16
 Inspection Reports
Inspection reports are required for face amounts over $10,000,000 and above for ages 71 and above.

Motor Vehicle Records

Motor vehicles records are required as shown below:

Ages Face Amounts

18-45 $100,000 and Over

46-70 $1,000,001 and Over
71 and Over $500,000 and Over

Statement of Policyowner Intent

A Statement of Policyholder Intent is required for all life insurance applications where the proposed insured is age
65 and above and the proposed face amount is $1,000,000 and above.

United of Omaha 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,” you will need to provide an explanation in the space
provided on the form.

Power of Attorney (POA)

An application signed by a person holding a POA is not an acceptable authorization for us to issue a life insurance
policy. The person designated as having the “power” cannot adequately attest to the answers to the questions
on the application and the Company would waive its rights to contest a claim based on misrepresentation as that
person does not have the knowledge of the applicant’s history. In addition, they can’t authorize us to check MIB,
order an Rx, MVR or medical records in most cases.

17
Underwriting Programs
Fluidless Underwriting Program
With Mutual of Omaha's Fluidless Underwriting Program, clients can bypass the initial paramed exam for face
amounts between $2,000,001 and $10,000,000. That means no extra labs or jabs for them to get the same great
life insurance coverage they expect from us.

Program Parameters
• Issue Ages: 30-65
• Face Amounts: $2,000,001 - $10,000,000
• Products and Riders Available:
• Term Life Answers (10-, 15-, 20- and 30-year)
• Income Advantage IUL
• Life Protection Advantage IUL
• AccumUL Answers
• All riders are eligible
• Applications: The cover letter must be included and clearly indicate that you you are requesting that your
applicant be considered for the Fluidless Underwriting Program

Qualification Requirements
• The applicant must be the same as the policyowner
• The applicant must be a U.S. citizen or have a valid Green Card
• The applicant must have had a complete annual or executive physical in the U.S. or U.S. territory:
• Within 18 months for face amounts $2,000,001 - $5,000,000
• Within 12 months for face amounts $5,000,001 - $10,000,000
• Annual or executive physical consists of (minimum requirements):
• Measured height, weight, blood pressure and pulse
• Past medical/surgical history
• Tobacco, alcohol and drug use history
• Family history
• Physical examination
• Age-appropriate blood work including blood sugar, kidney function, liver function and blood lipids (i.e.,
cholesterol, HDL, LDL)
• For ages 61-65 with face amounts $5,000,001 to $10,000,000: An ECG within the past 12 months
• Medical conditions that require a flat extra are ineligible
• Application Part 2 must be completed

18
 Submission Requirements
After ensuring the applicant meets the qualification requirements, you MUST clearly indicate on the application
cover letter that you are requesting that your applicant be considered for the Fluidless Underwriting Program.

• Do not forget, application Part 2 must be completed

• Application can be submitted via any of Mutual of Omaha’s application processes (Remember, Part 2
must be completed)
• Paramed exams, labs and medical records should not be producer/home office ordered unless directed by
the underwriter
• Some conditions (e.g., Type 1 diabetes, chronic kidney or liver disease, history of drug and/or alcohol abuse)
may require more recent lab testing. The underwriter may order at their discretion
• The underwriter has the discretion to move the application to a fully underwritten process and require a
paramed exam with blood and urine. If Part 2 has already been submitted, the underwriter will only order
physical measurements and lab testing
• Fit credits may still be available for face amounts up to $5 million

19
Accelerated Underwriting Program
Our Accelerated Underwriting Program can offer faster decisions for healthy individuals who desire a faster
underwriting timeline with no paramed requirement. If the client meets the eligibility requirements, an underwriting
decision can be delivered in as little as 48 – 72 hours.

Program Parameters
• Issue Ages: 18-60
• Face Amounts: $100,000 - $2,000,000
• Products Available:
• Term Life Answers (10-, 15-, 20- and 30-year)
• Income Advantage IUL
• Life Protection Advantage IUL
• AccumUL Answers
• Applications: Electronic Drop Ticket must be used

Qualification Requirements
• The applicant must be the same as the policyowner
• Build must be within limits (See Underwriting Build Chart)
• No major medical conditions (See Unacceptable Medical Conditions list)
• Any previously underwritten United of Omaha policies must have been approved at Standard or better, if applicable
• The applicant must be a U.S. citizen or legal permanent resident with no planned travel to hazardous locations
• If age 50 or greater, must have evidence of regular medical care and routine medical exams
• No more than one death of a parent prior to age 60 due to heart disease
• No convictions for DUI or reckless driving within the last five (5) years
• No felony convictions in the last ten (10) years
• No life, health or disability insurance has been rated or declined
• No flying as a private pilot or crew member
• No hazardous activities in the last two (2) years

Note: Current nicotine/tobacco guidelines apply.

20
 Unacceptable Medical Conditions
• Alcohol Abuse and/or Treatment • Hepatitis
• Atrial Fibrillation • Kidney Disease
• Barret’s Esophagus • Human Immondeficiency Virus
• Bipolar Disorder • Melanoma
• Cancer (Except Basal Cell and Squamous Cell • Lupus
Carcinoma) • Parkinson’s Disease
• Chronic Obstructive Pulmonary Disease • Multiple Sclerosis
• Crohn’s Disease • Peripheral Vascular Disease
• Diabetes • Peripheral Arterial Disease
• Drug Use/Abuse and/or Treatment • Sleep Apnea
• Epilepsy/Seizure • Rheumatoid Arthritis
• Gastric Bypass/Lap Band • Ulcerative Colitis
• Heart Disease or Surgery: All Types • Stroke/TIA

Note: Other Medical History may require full traditional underwriting.

Accelerated Underwriting Build Chart

Height Weight Height Weight

4’ 8” 74 - 158 5’ 8” 109 - 235

4’ 9” 77 - 165 5’ 9” 112 - 242
4’ 10” 79 - 170 5’ 10” 115 - 250
4’ 11” 82 - 176 5’ 11” 119 - 258
5’ 0” 85 - 184 6’ 0” 122 - 265
5’ 1” 88 - 191 6’ 1” 126 - 271
5’ 2” 91 - 197 6’ 2” 129 - 279
5’ 3” 94 - 203 6’ 3” 133 - 285
5’ 4” 97 - 209 6’ 4” 136 - 292
5’ 5” 100 - 215 6’ 5” 140 - 298
5’ 6” 103 - 222 6’ 6” 143 - 307
5’ 7” 106 - 228 6’ 7” 147 - 313

21
Fit Underwriting Credit Program
The Fit Underwriting Credit Program offers discounts for clients who stay fit and have health test numbers that show
it. These discounts are offered in the form of mortality credits for clients who meet the eligibility requirements.

Program Parameters Medical Characteristics Include:

• Ages: 18-75 • Great family history – no deaths of parents or
• Minimum Face Amount: $100,000 siblings from any disease prior to age 70

• Maximum Face Amount: $5,000,000 (total • Cholesterol/HDL ratio <5.0

coverage in force and applied for with United of • A1c test <5.7
Omaha Life Insurance Company) • Serum albumin >4.2 for ages 61-75
• Products Available: • Negative cardiac testing: GXT, non-imaged
• Term Life Answers or imaged (stress echo, perfusion study),
• Income Advantage IUL echocardiogram, EBCT or angiography within the
• Life Protection Advantage IUL past two years
• AccumUL Answers • GXT exercise performance >10 METS within the
• Nontobacco users past two years

• Base rating after normal credits of table 4 or less • Optimal blood pressure control-treated or untreated
average of 135/85 or better
• Does not apply to "flat extra" ratings or those with
current ratable substance abuse histories, CAD • Preferred or better build for ages 18-60; Standard
prior to age 50, stroke, ratable cancers, Type 1 Plus or better build for ages 61-75
diabetes or Human Immunodeficiency Virus (HIV) • BNP <100 for ages 61-75
• Normal CBC for ages 61-75
Fit Credits
If your clients have any of these health test results Lifestyle Characteristics Include:
or lifestyle choices, they may qualify for up to an • Regular preventative medical care and compliant
additional two table credits from the base rating.* follow-up for treated impairments within the past 12
months
Note: No more than two lifestyle characteristics can
be applied toward credits. Any three of the below • No tobacco use for the past 10 years
characteristics equals one table credit — any five • Income >$100,000, or net worth >$1,000,000
characteristics equals two table credits.
• Preferred or better driving record

*Best case final assessment available is Standard. (Table 3 (C) can only be reduced to Table 1 (A).)

22
 Financial Underwriting Guidelines
Income Replacement Amounts*
Ages $25,000 or Higher Annual Earned Income

Under 30 40X
30-39 35X
40-49 30X
50-59 20X
60-64 10X
65 and Over 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.

Estate Conservation
The personal net worth of an individual or family is used as the basis for a calculation of an approximate estate
federal 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 recommended although different rates can occasionally be used if appropriate. At older
ages or impaired risks, a lower rate is usually used.**

Ages Years

Up to 55 20
56-70 15
71 and Over 10

After applying a growth factor over a period of time, a simple method for calculating the approximate future estate
tax need is as follows: Projected estate minus the estate tax exemption times 40% less any in force coverage.

While the changes in the federal estate tax laws have reduced the number of estates that have a need for tax
avoidance for the wealthy, members of the middle class can suffer serious impacts to their assets and retirement
planning due to the high cost of health care as they age It’s not unreasonable to consider these potential impacts to
their financial well-being on a case-by-case basis. Several states also have estate or inheritance tax laws which are
not tied to federal estate tax laws.

*Income replacement is generally not considered for those over age 66 unless an individual is actively at work or if
the insured has a surviving spouse who may lose the benefit of a larger spousal Social Security or pension benefit.
**Standard or better risk classes

23
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 $2,000,000 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, 10-15 times earned income plus bonuses if paid regularly as part of a company bonus plan up to age 70.
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 have specific requirements to qualify as a key person.

The key person's value to the business can be established by several other factors including the amount of
experience in the specific occupation or industry, unique or specialized talents, patent ownership rights, and client
relationships. There should be a reasonable balance between business and personal insurance. The coverage
applied for on the life of a sole proprietor or member of a family-owned corporation should be considered personal
insurance and kept within personal insurance limits.

Creditor Insurance
We generally allow up to a maximum of 75 percent of a secured loan unless the 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.

24
 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.

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, a 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.

Contact 1-800-693-6083 for additional Sales Support.

Premium Funding Acknowledgement

We will screen for and reject any stranger originated life insurance (STOLI) policies, or policies using non-recourse
premium financing. We will consider policies funded by traditional premium financing programs:
• The loan must be 100% collateralized by personal or business assets of the borrower
• If the life insurance policy is part of the collateral, only the cash surrender value of the policy may be considered
• We must be provided with full details regarding all aspects of the premium financing program
• We reserve the right to refuse to issue the policy based on our assessment of the premium financing structure

25
Medical Impairments

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.

A
Acromegaly...........................................................Table 4 – 8 Aortic Murmurs/Insufficiency......... Standard – Table 8
Acquired Immunodeficiency Arrhythmias
Syndrome (AIDS)......................................................Decline Atrial Fibrillation.....................................Standard –Decline
Addison’s Disease.................................Standard – Table 3 Atrial Flutter............................................Standard – Decline
Infrequent PVC(s)................................................... Standard
ADHD/ADD............................................Standard – Table 2 Multiple PVC(s)..................................... Standard – Table 8
Alcohol Arteriosclerosis Obliterans..................Table 4 – Decline
Current excessive use ..............................................Decline
Alcoholism treatment, no current Arteriovenous (AV) Malformations
use, postponed 2 years........................ Standard – Table 8 Cerebral unoperated..................................................Decline
Surgery, stable 6 months....................................Table 4 – 8
Alzheimer’s Disease.................................................Decline
Arthritis
Anemia Osteoarthritis........................................................... Standard
Aplastic Anemia....................................Standard – Decline
Sickle Cell.....................................................................Decline Asbestosis
Sickle Cell Trait......................................................... Standard Mild degree of respiratory
impairment.............................................. Standard – Table 4
Aortic Aneurysm Severe impairment.....................................................Decline
Unoperated.............................................. Table 6 to Decline
Surgery, stable 6 months....................................Table 2 – 6 Ascites..........................................................................Decline

Angina Pectoris Asthma

Angina.....................................................................Table 2 – 8 Mild intermittent..................................................... Standard
Unstable Angina, under age 40..............................Decline Persistent, depends on severity............ Table 2 – Decline
Stable Angina, over age 40 Atrial Fibrillation...................................Standard – Decline
(dependent on age and cath. report)..............Table 4 – 8 Atrial Flutter...........................................Standard – Decline
Angioedema............................................Standard – Table 2 Atrial Septal Defect
Ankylosing Spondylitis....................... Standard – Table 4 No surgery...............................................Standard – Decline
Anorexia Nervosa No residuals 6 months after surgery.................. Standard
Current..........................................................................Decline Atrioventricular Block
Full recovery, stable > 4 years.............Standard – Table 2 1st degree – 2nd degree........................Standard – Table 2
Anxiety Disorders 3rd degree – complete............................ Table 2 – Decline
Mild or well-controlled.......................................... Standard
Others...................................................... Standard – Table 4

26
 B C
Bacterial Endocarditis Cancer
Normal heart and valves, recovered after Most malignancies, postponed
1 year........................................................................Table 2 – 4 2 – 5 years.............................................Indiv. Consideration
Barlow’s Syndrome................................Standard – Table 3 Chronic Heart Failure................................................Decline
Basal Cell Carcinoma Cardiac Pacemaker (Artificial).........Standard – Decline
Maximum 4 excisions, complete Cardiomyopathy......................................Table 4 – Decline
resolution................................................................... Standard
Carotid Bruits
Bells Palsy Asymptomatic and no other
Recovered.................................................................. Standard related history.........................................Standard – Table 2
Benign Prostatic Hypertrophy Celiac Disease
Normal PSA levels and urinalysis........................ Standard Controlled with diet.............................. Standard – Table 4
Berger’s Disease (IgA Nephropathy)............Table 2 – 8 Cerebral Embolism/Thrombosis
Biscuspid Aortic Valve........................ Standard – Table 8 Single episode, no complications,
Bigeminy.................................................. Standard – Table 8 stable 1 year................................................Table 2 – Table 8
Multiple episodes.......................................................Decline
Bi-Polar Disorder
Stable.......................................................................Table 2 – 8 Cerebral Palsy
Mild – moderate.....................................Standard – Table 3
Blood Pressure Severe............................................................................Decline
Controlled with medication.................................. Standard
Cerebrovascular Accident
Bright’s Disease Single episode, no complications,
Acute full recovery.................................Standard – Table 2 stable 1 year............................................ Standard – Table 8
Chronic good renal function............... Standard – Table 8 Multiple episodes.......................................................Decline
Chronic poor renal function.....................................Decline
Charcot Marie – Tooth Disease........Standard – Decline
Bronchiectasis
Mild – moderate, no surgery.............. Standard – Table 6 Chest Pain
Severe – extreme, no surgery................ Table 8 – Decline Non-cardiac.............................................................. Standard
Cardiac...................................................Indiv. Consideration
Bronchitis
Chronic mild – moderate......................Standard – Table 3 Cholangitis, Cholecystitis, Cholelithiasis
Severe..........................................................Table 4 – Decline Recovered.................................................................. Standard

Buerger’s Disease Christmas Disease (Factor IX

Nonsmoker, no surgery or other Deficiency)............................................................Table 2 – 8
impairments............................................ Standard – Table 4 Chronic Obstructive Pulmonary
Bundle Branch Blocks (EKG) Disease (COPD).................................... Standard – Table 8
Hemiblock................................................................. Standard Cirrhosis
Right.......................................................... Standard – Table 4 Confirmed diagnosis..................................................Decline
Left, more than 1 year from onset.......................... Table 4 Cocaine
No current use, postponed
3 years then...........................................Standard to Table 8

27
 E
Colitis (Ulcerative) Eclampsia
Controlled with medication...............................Table 2 – 8 Recovered.................................................................. Standard
Colon Polyps Emphysema............................................ Standard – Table 8
Benign......................................................................... Standard Encephalitis
Malignant..............................................Indiv. Consideration Recovered.................................................................. Standard
Congestive Heart Failure (Chronic)......................Decline Others...........................................................................Decline
Convulsions...........................................................Table 2 – 8 Endocarditis
Cor Pulmonale Normal heart and valves...........................................Table 2
Chronic..........................................................................Decline Structurally abnormal heart................... Table 2 – Decline

Costochondritis....................................................... Standard Epilepsy..................................................................Table 2 – 8

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

Recovered.................................................................. Standard
Cushing’s Syndrome
Controlled with medication................ Standard – Table 4
F
Cystic Fibrosis.............................................................Decline
Fibrocystic Breast Disease
Cystitis
Benign......................................................................... Standard
Recovered.................................................................. Standard

G
D
Gastric Bypass
Dementia......................................................................Decline
PP 1 year, then rated.............................................Table 2 – 4
Depression
Gastritis..................................................................... Standard
Controlled with medication.................Standard – Table 3
Gestational Diabetes
Diabetes
Currently pregnant..................................................Postpone
Type I, over age 20...............................................Table 2 – 8
History of..................................................Standard – Table 2
Type II, over age 20............................... Standard – Table 8
Gilbert’s Syndrome................................................ Standard
Dialysis
Renal failure.................................................................Decline Glomerulonephritis (Chronic)
Good renal function.............................................Table 4 – 8
Diverticulitis/Diverticulosis..............Standard – Table 3
Poor renal function.....................................................Decline
Down’s Syndrome......................................................Decline
Goiter/Graves’ Disease
Drug Addiction Recovered no complication..................Standard – Table 3
Postponed 3 years then....................... Standard – Table 8
Guillain – Barré Syndrome...................Standard – Table 3
Duodenal Ulcer
No Bleeding............................................................... Standard

28
 H I
Hashimoto’s Disease............................................. Standard Idiopathic Hypertropic Sub-Aortic Stenosis (IHSS)
Heart Attack......................... (See Myocardial Infarction) Under age 40..............................................................Decline
Over age 40...............................................Table 4 – Decline
Heart Failure (Chronic)............................................Decline
Ileitis......................................................... Standard – Table 8
Hemochromatosis................................... Table 2 – Decline
Intermittent Claudication...................... Table 2 – Decline
Hemophilia................................................ Table 2 – Decline
Irritable Bowel Syndrome..................................... Standard
Hepatitis (Chronic)..............................Standard – Decline
Inflammatory Bowel Disease
Hereditary Nephritis.................................................Decline 1 year after diagnosis or major
Herpes Simplex....................................................... Standard attack, over age 20................................ Standard – Table 8
Hirschsprung’s Disease
Unoperated............................................................ Table 2 – 3 J
Surgery, full recovery.............................................. Standard
Juvenile Rheumatoid Arthritis...............................Decline
Histoplasmosis
Treated, full recovery.............................Standard – Table 2
K
Hodgkins Disease...............................Indiv. Consideration
Kaposi’s Sarcoma......................................................Decline
Human Immunodeficiency
Kidney Dialysis...........................................................Decline
Virus (HIV)...........................................Indiv. Consideration
Kidney Stones........................................ Standard – Table 4
Huntington’s Chorea.................................................Decline
Hydrocephalus
Over age 19............................................................Table 2 – 8
L
Left Bundle Branch Block (LBBB)
Hyperlipidemia
1 year after diagnosis................................................. Table 4
Controlled.................................................................. Standard
Left Anterior Hemiblock
Hypertension
Isolated...................................................................... Standard
Controlled.................................................................. Standard
Left Posterior Hemiblock
Hyperthyroidism
Isolated...................................................................... Standard
No complications...................................Standard – Table 3
Legionnaire’s Disease
Hypoglycemia
Recovered.................................................................. Standard
Functional.................................................................. Standard
Leukemia...............................................Indiv. Consideration
Hypothyroidism
Controlled with medication.................................. Standard Lupus (Discoid)
No evidence of Systemic Lupus over
Hysterectomy
6 months................................................................... Standard
Not due to malignancy........................................... Standard
Lupus (Systemic) Erythematosus
No symptoms or complications
after 1 year, over age 20.......................Standard – Decline
Lymphoma............................................Indiv. Consideration

29
M N
Mallory-Weiss Syndrome Narcolepsy
Present..........................................................................Decline Onset over 6 months ago.................... Standard – Table 4
Marfan’s Syndrome................................. Table 2 – Decline Nephrectomy
Marijuana Benign......................................................................... Standard
Over age 18............................................ Preferred – Decline Nephritis
Megacolon Acute.........................................................Standard – Table 3
Congenital with surgical repair............................ Standard Chronic with good renal
No surgery or surgery with recurrence..................Table 2 function.................................................... Standard – Table 4
Chronic with poor renal
Melanoma function.........................................................................Decline
Surgery and confirmed pathology.....Standard – Decline
Neuritis.....................................................Standard – Table 2
Meniere’s Disease
Recovered.................................................................. Standard
O
Meningitis
Recovered and no residuals.................................. Standard Organic Brain Syndrome..........................................Decline

Mental Retardation Osteomyelitis

Mild – no complications, over Chronic..................................................... Standard – Table 4
age 8..........................................................Standard – Table 2 Osteoporosis............................................................ Standard
Severe............................................................................Decline
Migraines/Headaches.......................................... Standard P
Mitral Valve Murmurs Pacemaker (Artificial)
Functional.................................................................. Standard No other heart disease after 3 months
Otherwise................................................ Standard – Table 8 over age 40............................................................Table 2 – 4

Mononucleosis Paget’s Disease (bone)

Recovered.................................................................. Standard Mild not progressive............................................... Standard
Others...........................................................................Decline
Multiple Sclerosis (MS)......................... Table 2 – Decline
PTSD (Post Traumatic Stress Disorder)
Muscular Dystrophy (MD)................Standard – Decline
Single episode, mild................................................ Standard
Myasthenia Gravis Others.....................................................................Table 2 – 6
Mild, 1 year since onset.........................Standard – Table 5
Palpitations.............................................Standard – Table 3
Others...........................................................................Decline
Pancreatitis
Myocardial Infarction
Acute, recovered..................................................... Standard
Over age 40...............................................Table 4 – Decline
Chronic..........................................................................Decline
Myocarditis
Paraplegia.............................................Indiv. Consideration
Single attack, no complication,
2 years since resolution........................Standard – Table 2 Parkinson’s Disease
With complications...................................................Decline Mild..........................................................................Table 2 – 4
Marked or severe......................................Table 4 – Decline
Myositis...................................................Standard – Decline

30
 Q
Patent Ductus Arteriosus Quadriplegia
Unoperated..................................................................Decline Complete......................................................................Decline
6 months after surgery, full recovery................. Standard
Pericarditis R
Single episode, full recovery................................. Standard
Regional Enteritis
Peripheral Vascular Disease Symptom free 1 year, over
Nonsmoker.............................................. Standard – Table 4 age 20...................................................... Standard – Table 6
Smoker..........................................................................Decline
Renal Artery Stenosis
Phlebitis No hypertension, over 6 months........Standard – Table 3
Single episode, full recovery................................. Standard
Renal Failure................................................................Decline
Poliomyelitis
Renal Transplant (single)
No residuals.............................................................. Standard
No complications after 1 year,
With residuals.......................................................Table 3 – 8
over age 20................................................ Table 6 – Decline
Polycystic Kidney Disease
Right Bundle Branch Block
Normal renal function.........................................Table 2 – 8
Complete..................................................Standard – Table 2
Abnormal renal function..........................................Decline
Rheumatoid Arthritis
Polycythemia
Not disabled, over age 18.................... Standard – Table 6
1 year after diagnosis, controlled......................Table 2 – 4
Polymyositis...........................................Standard – Decline
S
Polyps
Sarcoidosis
Excised pathology benign...................................... Standard
Confined to lungs or skin, in remission
Prostatitis 6 months................................................................... Standard
Treated, full recovery.............................................. Standard Other.............................................................................Decline
Proteinuria..............................................Standard – Decline Scleroderma
Psoriasis Localized...................................................Standard – Table 2
Systemic...................................................Standard – Table 2 Sclerosing Cholangitis..............................................Decline
Psoriatic Arthritis................. (see Rheumatoid Arthritis) Seminoma
Pulmonary Embolism Over 8 years since treatment............................... Standard
Over 6 months....................................... Standard – Table 4 Senile Dementia.........................................................Decline
Pulmonary Hypertension........................................Decline Sickle Cell Anemia.....................................................Decline
Pulmonary Infarction Sickle Cell Trait........................................................ Standard
6 months after single episode,
Sjogren’s Syndrome
full recovery............................................ Standard – Table 4
No other connective tissue disorders................ Standard
Pyelonephritis
Sleep Apnea
1 year after treatment, full recovery.................... Standard
Successfully treated...............................Standard – Table 3

31
 U
Spina Bifida Ulcerative Colitis
Minimal deformity................................ Standard – Table 4 1 year since diagnosis or major attack,
Stroke over age 20............................................................Table 2 – 8
1 year since event.....................Table 4 plus flat – Decline
Suicide Attempt V
Single attempt, over 1 year............$5 extra per thousand Varices, Esophagus...................................................Decline
Single attempt, over 5 years................................. Standard
Ventricular Septal Defect (VSD)
Multiple attempts......................................................Decline
Trival or slight, without surgery......... Standard – Table 4
Systemic Lupus Erythematosus (SLE) 3 months since surgery.......................................... Standard
1 year since diagnosis, no complications, With complications...................................................Decline
over age 20............................................................Table 2 – 8

T W
Wolff-Parkinson-White (WPW)
Tachycardia
No complications.................................................... Standard
No other heart disease..........................Standard – Table 2
Transient Ischemic Attack (TIA)
Single event, over 6 months..............................Table 2 – 4
X
Multiple events, over 1 year...............................Table 4 – 8 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.

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 Non-Medical Underwriting Considerations
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.

Occupation Life ADB WP

Aviation - Paid
Passenger or freight flying U.S. or Canadian airlines
• Scheduled and non-scheduled airlines Std D D
• Others 3.5 per M D D
Company owned aircraft flying within the U.S. or Canada
• Commercial pilot cert. and IFR Std — 2.5 per M D D
Building and Construction
• Bridge, structural iron workers, tower workers, roofers 2.5 per M 2x Std
Electric Power Industry
• Line construction Std 2x Std
Fire Department
• Municipal and volunteer Std 2x Std
• Fire and smoke jumpers 3.5 per M 3x 2x
Fishing Industry – Officers and crew not coming ashore daily
• Inshore, harbors, lakes, rivers Std Std Std
• Gulfs, oceans, seas Std — 2.5 per M 2x — 3x Std
• Grand Banks, sealers, whalers, Alaskan crab fisherman 2.5 per M 2x Std
Law Enforcement
• Armed car guards, bank guards, municipal police, penal guards, border patrol Std 2x Std
• Federal Agencies: FBI, DEA, CIA, SWAT, Secret Service, Federal Air Marshal IC IC IC
Liquor Industry
• Bartenders Std — 2.5 per M Std — 2x Std
Lumber Industry
• Explosive handlers, boommen, climbers, raftsmen, riggers, rivermen, topmen 2.5 per M 2x Std
Mining and Quarrying
• Assayers, chemists, detectives, guards, mining engineers, surveyors Std 2x Std
• Underground mines – Surface workers Std — 2.5 per M 2x Std — 2x
• Underground mines – Underground workers 2.5 — 5 per M 3x Std — 2x
• Open pit and surface mine workers Std — 2.5 per M Std — 2x Std — 2x
Oil and Natural Gas Industry
• Onshore drilling and production
• Site crew, derrick, rig and tank crew Std — 2.5 per M 2x Std
• Firefighters 5 per M 2x 2x
• Offshore drilling and production
• All workers 2.5 — 5 per M 3x 2x
• Firefighters 7.5 per M D D

Key
D Decline IC Individual Consideration M Thousand
Note: This is a guide. Actual rates may change subject to specifics of an individual case.

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Avocations
Aviation - Private Life ADB WP
Student pilots 2.00 per M D D
Qualified pilots Expected Annual Flying Hours
Total solo hours 0-200 201-300 301-600 >600
Age > 26
• < 100 3.5 x 5 3.5 per M 5 per M 5 per M D D
• 100-399 Std 2.5 x 2 5 per M 5 per M D D*
• > 400 Std Std 2.5 per M 5 per M D D*
Age > 26
• < 100 3.5 x 5 5 per M 5 per M 5 per M D D
• 100-399 2.5 x 5 3.5 per M 5 per M 5 per M D D
• > 400 2.5 x 5 2.5 per M 5 per M 5 per M D D
*WP is unavailable if aviation is rated, otherwise Std
Balloon (hot air)
• Tethered Std D D
• Free flight Std — 2.5 per M D D
Gliding sail planes Rated as Aviation - Private
Hang-gliding/Paragliding 2.5 — 7.5 per M D D
Parachuting 5 to 10 per M dependent on number of jumps/year
Ultralights (commercially built)
• Licensed pilot Std — 5 per M D D
• Unlicensed 3.5 — 7.5 per M D D

Diving Life ADB WP

Snorkel Std Std Std
Scuba (with formal training)
• < 100 ft Std Std Std
• > 101 ft — 130 ft
• < 10 dives annually 3.5 per M D D
• > 10 dives annually 5 per M D D
• > 130 ft - contact underwriting
• Cave Diving 2.5 — 5 per M D D

Climbing/Mountaineering Life ADB WP

Trail climbing, hiking Std Std Std
Rock/Snow/Ice climbing
• Altitude < 13,000 ft 2.5 — 3.5 per M D D
• Altitude > 13,000 ft — 23,000 ft 5 — 7.5 per M D D

Key
D Decline M Thousand
Note: This is a guide. Actual rates may change subject to specifics of an individual case.

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 Foreign National and Immigrant Residency Policy
Permanent Residents Living Permanently in the United States
An individual with a valid Permanent Resident Card (also referred to as a Green Card or Alien Registration Receipt
Card) may be eligible to apply for life insurance coverage. Such permanent resident will only be considered if the
individual meets all four requirements listed below:
1. Has in his/her possession his/her valid Permanent Resident Card.
2. Lived in the U.S. for a minimum of 12 continuous months.
3. Has a minimum annual income of $20,000 from U.S.-based assets or entitlement benefits (i.e., Social Security
or pension benefits) or U.S.-based employment. Income from government assistance programs, supplemental
security income (SSI) or Social Security disability income (SSDI) cannot be included.
4. Completes the Foreign National and Foreign Travel Questionnaire, L5719_0107, and submits it with the
application.

Temporary Visa Holders Living in the United States

Individuals who have the following valid temporary work visas may be considered for life insurance coverage. Those
who do not hold current valid acceptable visas as listed here will not be eligible for coverage.
• E-1
• E-2 (spouse and children under age 21 can also qualify for an E-2 visa)
• H-1B
• H-4 (for spouse and children under age 21 of H-1B visa holders)
• L-1
• L-2 (for spouse and children under age 21 of L-1 visa holders)

Residents of Foreign Countries

We will consider residents of foreign countries on a case by case basis. Foreign residents should have substantial
financial ties to the U.S. including well documented personal and/or business assets and taxable income or
employees of U.S. or multinational companies to be considered.

Business should be written in the U.S., medical records must be obtainable and translated, and premiums paid in
U.S. dollars and financially justified. “Offshore” ownership trusts are not acceptable. In addition, the face amount of
the policy applied for must be equal to or less than the company’s retention limit.

The producer or sales manager must contact the appropriate Life Underwriting Manager to obtain pre-approval prior
to submitting an application. If pre-approval is given and an application is submitted, the appropriate manager in Life
Underwriting will make the final determination of whether the proposed insured’s visa or residence status is acceptable.

35
Juvenile Life Insurance Guidelines
Not available in the state of Washington

For fully underwritten life insurance purposes, juvenile applicants should fall between the ages of 15 days and 17
years old.

Life Insurance Face Amounts

Generally, the maximum face amount allowed on a juvenile is $250,000. The face amount should not exceed 50
percent of the coverage carried on the parent with the least amount of life insurance in force and must be supported
by household income and net worth — coverage is not guaranteed. 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.

While we do not normally offer coverage over $250,000 to juveniles, we will consider (not guaranteed) if the
following criteria are met in addition to the guidelines below:
• Siblings must be covered similarly
• An APS is required in all cases
• A fully completed Confidential Personal Financial Statement with household financial figures is required`
• A cover letter must be provided explaining the rationale of the need for $250,000 or higher face amounts
• The maximum face amount cannot be greater than $500,000

Ownership/Beneficiary Relationships
The owner and beneficiary must be parent or grandparent. Other relatives and friends are considered to have no
insurable interest.

If a grandparent applies as the 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.

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 Coverages

• All children should be equally insured. Please include a cover memo advising of the coverage amount on all
family members
• The parent(s) must be insured

Risk Class
The proposed insured must be a Standard Risk (no impaired risk).

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 Why Mutual of Omaha
Over 50 years of Mutual of Omaha’s Wild Kingdom taught
us that the animal kingdom and the human kingdom have
something in common … an instinct to protect what matters
most. Through insurance and financial products, we help people
protect their lives, protect their families, protect their kingdoms.

MutualofOmaha.com

Submitting Applications
All applications and required forms should be submitted to:
Mutual of Omaha
3300 Mutual of Omaha Plaza
Omaha, NE 68175
Fax: (402) 997-1804
All applications received that are in the process of being underwritten will be reported on your pending status report found on Sales Professional Access.

How to Contact Us
Underwriting Support: 1-800-775-7896
iGo eApp Support: 1-800-641-6557
Sales Support: 1-800-693-6083

Life Insurance Policies are Underwritten By:

United of Omaha Life Insurance Company
3300 Mutual of Omaha Plaza
Omaha, NE 68175
mutualofomaha.com