Determine what carrier and product to write

Determine Eligibility Based On Health

When determining which product to recommend for a client use this guide. This is just a guide and if you are not certain you can call for a risk assessment by contacting the carrier. Refer to the underwriting guides for each product for additional information.

IF THE PROPOSED INSURED ANSWERS “YES” TO ANY QUESTIONS IN PART ONE BELOW, THAT PERSON IS NOT ELIGIBLE FOR ANY COVERAGE UNDER THE TRADITIONAL LEVEL COVERAGES – GO TO PROSPERITY MODIFIED OR AIG GUARANTEED ISSUE PRODUCTS

These questions are based on the MOO Living Promise app.  Check your underwriting guides or review the specific product application and knock-out health questions. If you are not certain the first action should be to contact the carrier directly and conduct a risk assessment and check the other carriers also.

PART ONE

1. Is the Proposed Insured CURRENTLY:
(a) bedridden or confined to any hospital, nursing home, long-term care facility or skilled nursing facility; or receiving or been advised to receive care in a nursing home, hospice care, or home health care?

(b) requiring assistance with activities of daily living such as taking medications, bathing, dressing, eating, toileting, getting in and out of a chair or bed, or control of bowel or bladder problems?

(c) requiring any of the following (other than for fractures, bone or joint surgery, including replacement): wheelchair, electric scooter, or oxygen equipment to assist breathing (excluding use for sleep apnea)?

2. Has the Proposed Insured EVER been:
(a) diagnosed as having Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC) or been treated for AIDS or ARC by a physician or heath care provider?

(b) diagnosed with, been treated for or advised by a physician or health care provider to receive treatment for Alzheimer’s Disease, Dementia, Huntington’s Disease, Sickle Cell Anemia, Myelodysplastic Syndrome (MDS), Lou Gehrig’s Disease (ALS), Quadriplegia, Paraplegia, Down’s Syndrome, mental incapacity, congestive heart failure, Cirrhosis, Metastatic Cancer or recurrent Cancer of the same type?

(c) diagnosed with insulin shock, diabetic coma, or had an amputation due to diabetic complications or diagnosed with End Stage Renal Disease or requiring dialysis?

(d) advised to receive or have received an organ or bone marrow transplant?

(e) diagnosed by a physician or health care provider as having a terminal medical condition that is expected to result in death within the next 12months?

3. In the PAST 12 MONTHS, has the Proposed Insured been:
(a) advised by a physician to have a surgical operation, diagnostic testing other than for routine screening purposes or for those related to AIDS, treatment, hospitalization, or other procedure which has not been done or for which results are not known?

(b) diagnosed by a physician or health care provider as having heart disease or heart surgery of any kind?

4. In the PAST 2 YEARS, has the Proposed Insured been diagnosed with:, been treated for or advised by a physician or health care provider to receive treatment for any form of cancer (except basal or squamous cell
skin cancer)?

5. Has the Proposed Insured: EVER (a) received care or treatment for, or (b) been advised by a physician or health care provider to seek treatment for:
(a) Diabetes before age 50 or diabetes at any age with complications of Retinopathy (eye), Nephropathy (kidney), Neuropathy (nerve) or Peripheral Vascular Disease (PVD or PAD)?

(b) Hepatitis C?

(c) Chronic Lung Disease, including Chronic Obstructive Pulmonary Disease (COPD), Chronic Bronchitis, Emphysema, or Sarcoidosis?


IF, THE PROPOSED INSURED ANSWERS “YES” TO ANY QUESTION IN PART TWO BELOW, THAT PERSON IS ELIGIBLE ONLY FOR THE GRADED BENEFIT PRODUCT. – GO TO PROSPERITY GRADED OR MODIFIED PRODUCT.

PART TWO

6. In the PAST 4 YEARS, has the Proposed Insured: (a) received care or treatment for, or (b) been advised by a physician or health care provider to seek treatment for:
(a) Cancer, Leukemia, Melanoma or any other internal cancer (except basal or squamous cell skin cancer)?

(b) Chronic Kidney Disease, Systemic Lupus or Scleroderma?

(c) Bipolar Depression, Schizophrenia, Parkinson’s Disease or Multiple Sclerosis?

7. In the PAST 2 YEARS, has the Proposed Insured: received care or treatment for, or been advised by a physician or health care provider to seek treatment for:

(a) Coronary Artery Disease, Heart Attack, Coronary Artery Bypass Surgery, Angioplasty, Cardiomyopathy, irregular heart rhythm, or Valvular Heart Disease with surgical repair or replacement?

(b) Stroke or Transient Ischemic Attack (TIA)?

8. In the PAST 2 YEARS, has the Proposed Insured:
(a) been convicted of, incarcerated for or currently awaiting trial for a felony?

(b) been treated for or advised to have treatment for alcohol or drug abuse or convicted more than once of reckless driving or driving under the influence of drugs or alcohol?

(c) used unlawful drugs in any form or abused or misused prescription drugs?

9. In the PAST 2 YEARS, has the Proposed Insured: been hospitalized by a physician or health care provider for any mental or nervous disorder?

10. In the PAST 12 MONTHS, has the Proposed Insured: consulted a physician for chronic cough, unexplained weight loss greater than 10 pounds, fatigue or unexplained gastrointestinal bleeding?

The following questions are based on the Prosperity Life application and to be used as a guide only to help you determine eligibility.  Always refer to the agent guide or call the carrier directly to conduct a Risk Assessment for your client.

Part A – if any question is answered “Yes”, the Proposed Insured is NOT eligible for coverage and Go to AIG Guaranteed Issue Whole Life Product. 

1. Is the Proposed Insured currently or in the LAST 30 DAYS been: hospitalized, committed to a psychiatric facility,
confined to a nursing facility, receiving hospice or home health care, confined to a wheelchair due to a disease, or waiting for an organ transplant?     ‰ Yes ‰ No

2. Does the Proposed Insured currently require human assistance or supervision with eating, dressing, toileting, transferring from bed to chair, walking, maintaining continence or bathing? ‰ Yes ‰ No

3. Within the PAST 12 MONTHS has the Proposed Insured:
a. been advised by a member of the medical profession to have a diagnostic test (other than an HIV test), surgery, home health care or hospitalization which has not yet started, been completed or for which results are not known?  ‰ Yes ‰ No
b. used or been advised by a member of the medical profession to use oxygen equipment for assistance in breathing (excluding CPAP or nebulizer)?  ‰ Yes ‰ No
c. had or been advised by a member of the medical profession to have Kidney Dialysis?  ‰ Yes ‰ No

4. Has the Proposed Insured EVER (a) been diagnosed with Acquired Immunodeficiency Syndrome (AIDS) or Aids-related Complex (ARC) by a medical professional; or (b) through testing required by an insurer for the purpose of obtaining insurance, had a positive ELISA test result followed by a positive Western Blot Assay result? ‰ Yes ‰ No

5. Has the Proposed Insured EVER been diagnosed or received treatment by a member of the medical profession for Alzheimer’s disease, dementia, Lou Gehrig’s/Amyotrophic Lateral Sclerosis (ALS), Cirrhosis of the Liver (Stage C)?  ‰ Yes ‰ No

6. Has the Proposed Insured EVER been diagnosed by a member of the medical profession with more than one occurrence of the same or different type of cancer or is the Proposed Insured currently receiving treatment (including taking medication) for any form of cancer (excluding basal cell skin cancer)? ‰ Yes ‰ No

Part B – if any question is answered “Yes”, the Proposed Insured may be eligible for the MODIFIED DEATH Benefit Individual Whole Life Policy

1. In the PAST 2 YEARS, has the Proposed Insured been diagnosed or received treatment from a member of the medical profession, or other practitioner, or been hospitalized for any of the following:
a. the use of alcohol or drugs; or been advised by a physician, practitioner, health facility or counselor to restrict the use of alcohol or drugs?  ‰ Yes ‰ No
b. complications of diabetes such as diabetic coma or insulin shock or had an amputation due to complications of any disease?  ‰ Yes ‰ No
c. heart attack, angina (chest pain), congestive heart failure, cardiomyopathy stroke, transient ischemic attack (TIA), or aneurysm or had heart or circulatory surgery?  ‰ Yes ‰ No

2. In the PAST 3 YEARS, has the Proposed Insured been diagnosed, treated, or prescribed medication by a member of the
medical profession for: internal cancer, including but not limited to, malignant brain tumor, malignant melanoma (but excluding basal/squamous cell skin cancer), leukemia, or multiple myeloma?  ‰ Yes ‰ No

3. In the PAST 2 YEARS, has the Proposed Insured had more than 1 conviction for reckless driving or for driving under the influence of alcohol or drugs (DUI or DWI)? ‰ Yes ‰ No

Part C – if any question is answered “Yes”, the Proposed Insured may be eligible for the GRADED DEATH Benefit Individual Whole Life Policy

1. Has the Proposed Insured EVER been diagnosed, treated, or prescribed medication by a member of the medical profession for:
a. Parkinson’s disease, Systemic Lupus (SLE) or sickle cell disease?  ‰ Yes ‰ No
b. Cirrhosis (Stage A or Stage B) of the liver, chronic hepatitis or other liver disorder, kidney failure or other chronic kidney disease?  ‰ Yes ‰ No
c. Chronic Obstructive Pulmonary Disease (COPD), which includes emphysema, black lung disease or tuberculosis?  ‰ Yes ‰ No
d. Bipolar Disorder or Schizophrenia or been hospitalized in the past 2 years for any mental or nervous disorder?  ‰ Yes ‰ No

If all questions in Parts A, B and C are answered “No”, the Proposed Insured may be eligible for the LEVEL DEATH Benefit Individual Whole Life Policy

1. Have you been medically treated or diagnosed by a medical professional as having Acquired Immune Deficiency Syndrome (AIDS), AIDS related complex (ARC), or any immune deficiency related disorder or tested positive for the Human Immunodeficiency Virus (HIV)?

2. Within the past 24 months, have you been convicted of any felony, or had your driver’s license suspended or revoked, or been convicted of driving under the influence of alcohol or drugs, or used illegal drugs or abused alcohol or drugs, or had or been recommended by a medical professional to have treatment or counseling for alcohol or drug abuse?

3. Within the past 12 months, have you been on probation, parole, or been prohibited from actively working full time (30 hours or more per week) at your regular occupation due to any illness, injury, or health related problem, or are you currently receiving benefits, compensation, or pension for disability, or are you currently unemployed due to medical reasons?

4. Within the past 5 years have you been treated, diagnosed, or been prescribed medication by a medical professional for internal cancer, melanoma, Hodgkin’s disease, or lymphoma?
5. Have you been treated, diagnosed, or been prescribed medication by a medical professional for diabetes prior to age 21, or do you currently take insulin shots, or been diagnosed with diabetes combined with a medical history of any of the following: retinopathy, nephropathy, neuropathy, insulin shock, or diabetic coma?

6. Have you been treated, diagnosed, or been prescribed medication by a medical professional for :
a. heart or circulatory disease or disorder, stroke, congestive heart failure, cardiomyopathy, heart valve disease, sickle cell anemia, leukemia, hemophilia, Marfan’s syndrome, cystic fibrosis, muscular dystrophy, Huntington’s disease, motor neuron disease, systemic lupus (SLE), connective tissue disease?

b. mental retardation, bi-polar or schizophrenia, Down’s syndrome, liver or kidney failure or renal insufficiency (including dialysis), had an amputation caused by disease or had or been advised to have an organ transplant?

If any answer to questions 1 through 6 is answered “Yes” the Proposed Insured is not eligible for any coverage.
7. Have you been treated, diagnosed, or been prescribed medication by a medical professional for:
a. high blood pressure prior to age 30, diabetes prior to age 39 or taking 3 or more medications for high blood pressure?

b. rheumatoid arthritis, paralysis of two or more extremities or any neuro-muscular disease (including, but not limited to cerebral palsy, multiple sclerosis, or Parkinson’s disease), liver disease, Hepatitis C, chronic hepatitis or chronic pancreatitis, Crohn’s disease or ulcerative colitis?

8. Within the past 12 months have you had surgical treatment for morbid obesity, or been declined for life insurance coverage or had any diagnostic testing (excluding AIDS/HIV tests), surgery or hospitalization recommended by a medical professional which has not been completed or for which the results have not been received?

9. Within the past 3 years have you been treated or diagnosed or been prescribed medication by a medical professional for chronic bronchitis, emphysema, chronic obstructive pulmonary disease (COPD), irregular heart beat, seizures, blood clot, aneurysm?

If any answer to questions 7 through 9 is answered “Yes” the Proposed Insured is eligible for the Return of Premium Death Benefit Plan.
If all questions 1 through 9 are answered “No” the Proposed Insured and Spouse, if applicable, are eligible for Immediate Coverage.

Use the following health questions to decide which Final Expense plan to offer
Part 1 – If the applicant answers “Yes” to any question in Part 1, Go to AIG Guaranteed Issue Whole Life Product

Have you EVER been diagnosed have you been diagnosed, treated, tested positive for, or been given medical advice by a
member of the medical profession for:

1. Congestive heart failure (CHF), cardiomyopathy, memory loss, Alzheimer’s, senile dementia, dementia, heart defibrillator implant, two or more instances of internal cancer(s) or terminal illness (terminal illness means a disease or illness that is expected to result in death within 24 months)?

2. Organ transplant (other than corneal), untreated Hepatitis C, kidney failure or dialysis, amputation due to diabetic complications, multiple sclerosis, muscular dystrophy, mental retardation, amyotrophic lateral sclerosis (ALS) or Lou Gehrig’s disease, Downs’s syndrome, cystic fibrosis or Huntington’s disease?

3. Diabetes at age 9 or younger?

4. AIDS, AIDS Related Complex, tested positive for HIV virus or any other disorder of the immune system?

Within the LAST 2 YEARS, have you been diagnosed, treated, tested positive for, or been given medical advice by a
member of the medical profession for:

5. Uncontrolled diabetes or uncontrolled high blood pressure?

Within the LAST YEAR have you:

6. Been confined to a hospital, been advised by a member of the medical profession to have surgery or hospitalization, used oxygen due to a medical condition, been unable to care for yourself or been prescribed bed rest by a member of the medical profession at home or in a nursing home, hospice, long-term care or assisted living facility? Definition of assisted living: requires help in at least one area of skills considered necessary for living and caring for oneself (feeding, dressing or bathing)

If all “No” answers in Part 1, complete Part 2.

Part 2 – If all “No” answers in Part 2, complete Part 3. Otherwise, select MWL & check for state availability.

Within the PAST 2 YEARS have you been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for:
(a) Angina (chest pain), any type of heart or circulatory surgery, heart attack, or received a pacemaker or stent?
(b) Stroke, Transient Ischemic Attack (TIA/mini-stroke) or paralysis?
(c) Cancer or received or been advised to receive chemotherapy or radiation for cancer (the term “cancer” includes melanoma, but excludes basal cell skin cancer)?
(d) Aneurysm, brain tumor or sickle cell anemia?
(e) Complications of diabetes such as nephropathy (kidney), neuropathy (nerve, circulatory), retinopathy (eye) diabetic coma or insulin shock?
(f) Alcohol or drug abuse, have you used illegal drugs or been convicted of felony or on parole?
(g) Used a walker, wheelchair or electric scooter due to chronic illness or disease?

Part 3 – Complete all questions to which each “Yes” answer, if any, applies. If all ‘No” answers in Part 3, select SIMPL Preferred. Otherwise, select SIMPL Standard.

Have you EVER been diagnosed, treated, tested positive for, or been given medical advice by a member of the
medical profession for:
(a) Chronic Obstructive Pulmonary Disease (COPD), chronic bronchitis, emphysema, peripheral vascular disease or peripheral artery disease?
(b) Chronic hepatitis, Hepatitis C, cirrhosis of the liver, chronic pancreatitis, liver disease or kidney disease?
(c) Insulin use before age 25?
(d) Irregular heartbeat, atrial fibrillation, Systemic Lupus (SLE), epileptic seizures, Parkinson’s disease?

IF ANY OF THE FOLLOWING ARE ANSWERED “YES” THE APPLICATION SHOULD NOT BE COMPLETED OR SUBMITTED.

1. Do you REQUIRE the assistance of another person in performing any of the following activities of daily living: bathing, dressing, toileting, eating, walking or continence?

2. Are you CURRENTLY hospitalized, confined to a nursing facility or receiving hospice care, or using oxygen equipment to assist in breathing?

3. Have you been diagnosed by a licensed member of the medical profession as having a terminal illness or life expectancy of 12 months or less?

4. Have you EVER been diagnosed, treated, or prescribed medication by a licensed member of the medical profession for:

a. AIDS/ARC or previously tested for HIV for the purpose of obtaining insurance?
b. Alzheimer’s, Parkinson’s disease, muscular dystrophy, schizophrenia, dementia, Lou Gehrig’s disease (ALS), Huntington’s disease,
or Down syndrome?
c. Aneurysm, stroke/TIA, cirrhosis, cystic fibrosis, hemophilia, systemic lupus, amputation due to disease, hepatitis B or C, organ
transplant, non-Hodgkin’s lymphoma, or had kidney (renal) failure or dialysis?
d. Angina (chest pain), coronary artery disease, heart attack/myocardial infarction, congestive heart failure (CHF), cardiomyopathy,
pulmonary hypertension, pulmonary fibrosis, heart disease, heart surgery (including bypass, angioplasty, heart valve replacement,
or defibrillator) or any other type of heart or circulatory disease?
e. Leukemia, multiple myeloma, or more than one occurrence or metastasis (spreading) of cancer (excluding basal cell or squamous
cell skin cancer)?

5. In the PAST 2 years, have you been diagnosed, treated, or prescribed medication by a licensed member of the medical profession for:

a. Any form of cancer (excluding basal cell or squamous cell skin cancer)?
b. Insulin shock, diabetic coma, eye or kidney (renal) problems due to complications from diabetes?

6. In the PAST 12 months, have you been scheduled or advised by a licensed member of the medical profession to have any diagnostic tests
(excluding Human Immunodeficiency Virus or Acquired Immune Deficiency Syndrome test) or surgery not yet performed or for which the results have not been received?

7. In the PAST 5 years, have you received medical treatment or counseling for, or been advised by a physician to discontinue, the use of alcohol or prescribed or non-prescribed drugs?

8. In the PAST 5 years, have you been convicted or pled guilty to any felony, or are you currently on probation or parole?

9. Are you CURRENTLY involved in a bankruptcy that has not yet been discharged?

If the Proposed Insured answers “Yes” to questions 1 through 7 in this section, that person is not
eligible for coverage under this application.

1. Has the Proposed Insured EVER been diagnosed as having Acquired Immune Dificiency Syndrome
(AIDS), AIDS Related Complex (ARC), or been treated for AIDS or ARC by a physician or health care
provider?

2. Has the Proposed Insured EVER (i) been diagnosed with, or (ii) received care or treatment for, or (iii)
been advised by a member of the medical profession to seek treatment for, or (iv) consulted with a
health care provider regarding:
(a) Coronary Artery Disease, Heart Attack, Coronary Artery Bypass Surgery, Angioplasty, Stent
Placement, Valvular Heart Disease with Repair or Replacement, Cardiomyopathy, Congestive Heart
Failure, Congenital Heart Disease, Stroke, Transient Ischemic Attack (TIA)/mini-stroke, abnormal
heart rhythm, or Cerebral, Aortic or Thoracic Aneurysm?
(b) Chronic Lung Disease (except mild Asthma), including Chronic Obstructive Pulmonary Disease
(COPD), Chronic Bronchitis, Emphysema, Sarcoidosis or Cystic Fibrosis?
(c) Bipolar Depression, Schizophrenia, Alzheimer’s Disease, Dementia, Parkinson’s Disease, Sickle Cell
Anemia, Lou Gehrig’s Disease (ALS), Muscular Dystrophy, Demyelinating Disease including Multiple
Sclerosis, Huntington’s Disease, Hydrocephalus, Quadriplegia, Paraplegia, Down’s Syndrome, Autism,
mental incapacity, or any other disease of the central nervous system?
(d) Chronic Kidney Disease, end-stage Renal Disease with dialysis, or Liver Disease including
Cirrhosis, Hepatitis B or Hepatitis C ?
(e) Cancer, Leukemia, Melanoma or any other internal cancer (except basal cell or squamous cell
skin cancer)?
(f) Systemic Lupus or Scleroderma?
(g) an organ transplant?

3. Has the Proposed Insured CURRENTLY or within the past 12 months:
(a) required the assistance of another person or a device of any kind for bathing, dressing, eating,
toileting, getting in and out of a chair or bed, or the management of bowel or bladder problems? ..
(b) received, or been advised to have, any of the following types of care: nursing home, assisted
living facility, adult day care facility, home health care services or is the Proposed Insured
currently confined to any hospital or other medical facility?
(c) used any of the following: walker, wheelchair, electric scooter, oxygen, or catheter?

4. In the PAST 12 months, has the Proposed Insured:
(a) been advised by a member of the medical profession to have a surgical operation, diagnostic testing
other than for routine screening purposes or for those related to HIV/AIDS , treatment, or other procedure
which has not been done?
(b) consulted a physician for chronic cough, unexplained weight loss greater than 10 pounds (other
than due to diet or exercise), fatigue or unexplained gastrointestinal bleeding?

5. In the NEXT 2 years, will the Proposed Insured engage in any; motor sports racing, boat racing,
parachuting/skydiving, hang gliding, base jumping, rock or mountain climbing?

6. In the PAST 10 years, has the Proposed Insured:
(a) used alcohol to a degree that required treatment or been advised to limit or discontinue its use
by a member of the medical profession?
(b) used or been convicted of possession of unlawful drugs or used prescription drugs other than as
prescribed in any form?
(c) been convicted of or currently awaiting trial for a felony?
(d) been hospitalized for high blood pressure or any mental or nervous disorder?

7. In the PAST 5 years, has the Proposed Insured been convicted of; driving under the influence of drugs or
alcohol, been convicted of reckless driving, or had four or more moving violations?

8. Has the Proposed Insured EVER (a) received care or treatment for, or (b) been advised by a
physician or health care provider to seek treatment for:
(a) Diabetes?
(b) Diabetes before age 50 other than Gestational Diabetes?
(c) Diabetes at any age with complications of Retinopathy (eye), Nephropathy (kidney), Neuropathy (nerve)
or Peripheral Vascular Disease (PVD or PAD)?

9. In the PAST 12 months, has the Proposed Insured applied for or received; disability, hospital or
medical benefits from any insurance company, government, employer, or other source (other than
for maternity, fractures, spinal or back disorders or hip or knee replacement)?

10. In the PAST 5 years, has the Proposed Insured; consulted with a doctor or been hospitalized or
treated by a health care provider for any other health condition (other than for routine physical
checkups, eye, employment or FAA examinations)?

This is a great product overview guide compliments of Bill Lauguland.  I recommend printing a copy to keep in your agent field folio for quick access.

Health Cheat Sheet

If your client has one of these health conditions use the cheat sheet to guide you to which company is they will most likely get approved with.  If not sure, it’s always best to contact the carrier directly and conduct a risk assessment.

Product Selection Guide

FINAL EXPENSE WHOLE LIFE PRODUCTS

Product type: Whole Life

Product Training Video: Living Promise Training Video

Offers: Level, Graded, Modified plans

Level Benefit Plan:

Age: 45-85

Coverage amount: $2,000 – $40,000

Living benefits: Accelerated Death Benefit for Terminal Illness

Graded Benefit Plan (Beneficiary receives premium plus 10 percent the first two years). If your client is not approved for level then write the policy with Prosperity Life. 

Age 45-80

Coverage amount: $2,000 – $20,000

Payment methods: Checking account only

Agent commission: Full for Level. Reduced for Graded.

Application: eApp & Paper app:

Customer Brochure: Living promise brochure

Agent Guide:MOO Life Product Underwriting Guide

Express Product Guide: MOO Express Product Guide

RX Guide:MOO RX Exclusions

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Website: https://accounts.mutualofomaha.com/

Sales Support: 800-775-7896

Product type: Whole Life Final Expense

Non-Citizen option – Use this product if your client does not have a Social Security Number,

Offers: Immediate, Graded, Return of Premium

Ages: 50 to 85 Senior Choice product

Ages 0 to 49 Family Choice product

Coverage amount: $3,000 to $30,000

Living benefits: Terminal illness advance 100% of death benefit

Confined care benefit: If the insured is confined to a nursing home at least 30 days after the policy is written, the insured can receive a monthly payment.  Monthly benefit of 5% of the face amount up to $5,000

Riders: Accelerated Death Benefit, Children’s benefit, Grandchild benefit, Nursing home waiver

Payment methods: Checking account

Agent commission: Full for Preferred & Standard. Reduced commission for Modified (MWL)

Application: eApp & Telephone Interview app: https://www.insuranceapplication.com/cgi/webapp/mobile/Queue.aspx

eApplication Training: Mobile eApp Training

Customer Brochure:

Agent Guide: AmAm Senior Choice FE Agent Guide

Agent Training: Agent Training Senior Choice and Family Choice Product guide

RX Guide: See agent guide above

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Website: https://www.americanamicable.com/Marketing/area/A/marketing.php

Sales Support:  800-736-7311 (prompts 1, 1, 2)

Apptical phone interview: 877-351-1773

Monday – Friday 7:30 am CST – 9:00 pm CST

Saturday – Sunday 9:00 am CST – 1:00 pm CST

Product type: Whole Life with several product options below

Product Training Video:

Offers: Level, Graded, Modified plans

Provider Whole Life (Level Benefit standard & preferred rating) Simplified issue whole life, non-med, phone interview required

Issue Age: 0 – 80

Face amounts

  • Age – 0-50: $10,000 – $150,000
  • Age 51-60: $10,000 – $100,000
  • Age 61-80: $10,000 – $50,000

Express Issue Deluxe (Level Benefit built in table 8 rating) Suitable or insulin-dependent diabetics. Non-med, phone interview required

Issue Age: 20-80

Face amount 5,000 – 50,000

Express Issue Premier (Level benefit built in table 4 rating) Non-med, phone interview required

Issue Age: 20-80

Face amounts

  • Age 20-60: $5,000 – $100,000
  • Age 61-80: $5,000 – $50,000

Express Issue Whole Life (Graded Benefit built in table 16 rating) 2 year graded death benefit, non-med, phone interview required

Issue Age: 25-80

Face amount 2,000 – 25,000

Guaranteed Issue Whole Life No underwriting, no medical questions, no phone interview, 3-year graded death benefit

Issue Age: 45-75

Face amount 5,000 – 10,000

 

Payment methods: Checking account only

Agent commission: Full for Level. Reduced for Graded.

Application: eApp or Paper application only:

For eApp and paper app log on to carrier website: https://www.unitedhomelife.com/

Customer Brochure: UHL Simplified Issue Customer Brochure

Agent Guide:UHL WL Agent Guide

Express Product Guide: UHL Express Product Portfolio Guide

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Website: https://www.unitedhomelife.com

Sales Support: (800) 428-3001, Option 2 (8:00 am to 6:30 pm Eastern)

Product type: Whole Life

Offers: Level, Graded, Modified plans

Age: 50-80

Coverage amount: $1,500 – $35,000

Living benefits: 50% for terminal illness

Payment methods: Checking account and Direct Express card for payment only.  The Direct Express card must begin with: 5332-48.  No debit cards or credit cards.

Agent commission: Full for Level, Graded, Modified.  If client pays with a Direct Express card you will be paid “as earned” and will not receive a 9-month advance.

Application: eApp & Telephone Interview app: Prosperity Product Guide and application instructions

Customer Brochure: Prosperity Customer Brochure

Agent Guide: Prosperity Agent Guide

RX Guide: Prosperity RX guide

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Website: https://insuranceadmin.com/agent/

Sales Support: 1-866-390-3659

Use this product for people who have health issues and they don’t qualify for the other carriers. Use this product as a last resort.

Type: Guaranteed Acceptance Whole Life

Age 50-85

Graded: Pays 110% of paid premium in first 2 years

Coverage amount: $5,000 – $25,000

Payment: Checking account or Direct Express card

Living Benefits are Included – at NO EXTRA COST

  • Chronic Illness
  • Terminal Illness

Agent commissions: Reduced to 45% – 50%.  6 month commission advance

AIG GIWL

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Product type: Final Expense Whole Life

Product Training Video: Watch this overview

Offers: Non Medical Level plan

Level Benefit Plan:

Ages: 50-85 $2,000 – $35,000

Payment methods: Checking account only

Agent commission: Full for Level

Application: eApp & Paper app: Foresters Guide to completing application

Customer Brochure:Foresters Plan Right Customer Brochure

Product Overview: Foresters Plan Right Final Expense

Product Reference:Foresters-Financial-PlanRight-Product-Reference-Sheet

Agent Guide: Foresters Plan Right Agent Guide

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Website: https://portal.foresters.biz/

Sales Support: 866-466-7166 option 1

Product type: Whole Life Final Expense

Coverage extends beyond age 100

SIMPL is designed specifically for final expense protection. Preferred, Standard:

Ages:18 to 80 Preferred or Standard

Coverage amounts: $3,000 – $30,000

Modified Whole Life is also designed for final expense protection, but for insurable adults who have health issues with a positive outlook.

Modified Whole Life: Age 40 to 80. 1,000 – $20,000

  • Modified (MWL): During the first 3 years: If death occurs as a result of an accident, the death benefit is 100% of the policy face amount. The non-accidental death benefit is equal to a refund of all premiums paid to date plus 10% compounded. During the 4th year, the death benefit is 100%; followed by 105% in the 5th year; and 110% in the 6th year and thereafter.

LBL Flex4Life Product

  • Flex4Life is a non-participating whole life policy with a level death benefit, guaranteed level premiums and guaranteed cash values.
  • Ages: 0-80
  • Ages: 0-15 Children policy
  • Minimum $10,000 – $250,000 Non-medical
  • Higher amounts up to $4M – full medical

Living benefits: Chronic & Terminal illness advance 80% of death benefit

Riders: Accelerated Death Benefit, Children’s benefit, Grandchild benefit

Payment methods: Checking account and Direct Express card for payment

Agent commission: Full for Preferred & Standard. Reduced commission for Modified (MWL)

Application: eApp & Telephone Interview app instructions: Liberty Bankers application process

Customer Brochure: LBL Customer Brochure

Agent Guide: LBL Agent Guide

Build Chart: Final Expense Build Chart FE Build Chart 9_2016

RX Guide: LBL Field Prescription Drug Guide

RUN QUOTE

Website: https://www.libertybankerslife.com/mylbl/

Sales Support: 800-972-6615

Just in time contracting – New agents can write immediately in all states other than Pennsylvania you have to be appointed prior to submitting business.

NEW AGENTS: If you haven’t done so already, register to get access to the tools and eApp for Phoenix Life. Select producer/agent for registration and follow the instructions.  http://phoenixsalesnet.phl.com/sites/PhoenixSecureLogin/home/log-in.html?regCode=3S8D60472QD331SM4T2AOMWM


Product type: Whole Life Final Expense

Coverage extends beyond age 121

Offers: Level only.  No graded option.

Ages: 30-59 $10,000-$100,000
Ages: 60-69 $10,000-$75,000
Ages: 70-80 $10,000-$50,000

Accepts clients with: Diabetes Metformin, Insulin ok if a non-smoker, within the build chart range, and A1C is less than < 9. COPD level, non-smoker, no oxygen, no steroids. See agent guide for more details on health issues.

Living benefits: Critical & Terminal illness advance 95% of death benefit

Payment methods: Checking account

Agent commission: Policy is issued when they on draft 1st payment. Commissions paid on issue typically 2 business after issue.

Application: eApp, Paper, & Telephone Interview app.

Application: https://www.firelighteapp.com/EGApp/8d63ae21336cc79c45

First time writing agent – Paper application – Make sure to enter the last 4 of your SSN in the Writing Code field on the application.

Customer Brochure: Phoenix Life Remembrance Customer Brochure

Product Summary: Phoenix Life Remembrance Product Summary

Agent Guide: Phoenix Remembrance Agent Guide

RX Guide:

RUN QUOTE

Website: https://salesnet.nsre.com/remembrance-life.html

Sales Support: 1-888-794-4447,  Option 2 (Life)

Product type: Simplified Issue Whole Life / Final Expense.

Offers a graded death benefit option

Product Benefits

  • Affordable product for final expense planning
  • Simple yes/no application
  • Underwritten via telephone interview at point of sale

Riders: Accelerated Living Benefit – Terminal Condition and Permanent Confinement –

Payment methods: Checking account

Application: eApp only:

Product Profile:RNA SIWL Product Profile

Underwriting Guide: RNA SIWL Agent Training Guide

Prescription RX Guide: RNA SIWL RX Guide

Customer Brochure: RNA Final Expense Customer Brochure

RUN QUOTE

Website: https://agent.royalneighbors.org/

Sales Support: 1-800-627-4762

Product type: Whole Life Final Expense

Offers:

  • Immediate, age 0-75: New Vantage I – Immediate Full death benefit.
  • Graded, age 45 – 85: New Vantage II – year 1 – 30%, year 2 – 70%, Year 3 – 100% Full death benefit available
  • ROP, age 45 – 85: New Vantage III – Year 1 ROP +10%, Year 2 ROP +10%, Year 3 Full death benefit available

Ages 0-75 – $3,000 – $35,000

Ages 76-80 – $3,000 – $25,000

Ages 81-85 – $3,000 – $15,000

Living benefits:

Payment methods: Checking account

Agent commission: Full for Preferred & Standard. Reduced commission for Modified (MWL)

Application: eApp: https://sslco.admin-portal.org/

Tele-app guide:Tele-App Instructions

Customer Brochure: Sentinel New Vantage Life Brochure

Agent Guide: Sentinel New Vantage UW Guide

RX Guide: SSL RX Guide

RUN QUOTE

Website: https://sslco.admin-portal.org/

Sales Support: 800-247-1423

Product type: Final Expense Whole Life

Offers: Level, Graded

Level Benefit Plan:

Age: 0-85

  • Immediate Solution ages 0 – 85
  • 10 Pay Solution ages 0 – 85 (pay premium for 10 years)
  • Easy Solution ages 18 – 80 (graded death benefit)

Coverage amount:

  • 0 – 55  $1,000 – $50K
  • 56 – 65 $1,000 – $40K
  • 66 – 75 $1,000 – $30K
  • 76 – 85 $1,000 – $25K

Living benefits: This rider pays the face amount, less an interest discount, less any loans, less any premiums that would be due in the next year upon diagnosis of a qualifying event

Graded Benefit Plan (Beneficiary receives premium plus 10 percent the first two years). If your client is not approved for level then write the policy with Prosperity Life. 

Payment methods: Checking account only

Agent commission: Full for Level. Reduced for Graded.

Application: eApp & Paper app:

Customer Brochure: Transamerica final-expense-brochure

Agent Guide: Transamerica Insurance Underwriting Guide

RX Guide: http://rx.mpremcalc.com/

RUN QUOTE – Choose product Immediate Solutions

Website: https://www.agentnetinfo.com/

Sales Support: 866-834-0437 Option #1

TERM & IUL PRODUCTS

Product type: Term Life Express (TLE) & Guaranteed Universal Life Express (GULE)

Level Benefit Plan: 10, 15, 20, 30 year and ROP on 20 & 30 year term

Issue Age: 18-70

TLE Non-ROP                      TLE ROP        

18-70 = 10/10 – 15/15          18-65 = N/A
18-60 = 20/20                      18-50 = 20/20
18-50 = 30/30                      18-50 = 30/30

TLE Coverage amount:                                     GULE Coverage Amount

  • $25,000 – $300,000 (Ages 18-50)            $25,000 – $99,999 ages 18-65
  • $25,000 – $250,000 (Ages 51-65)            $100,000 – $300,000 ages 18-50
  • $25,000 – $150,000 ages 61-70               $100,000 – $250,000 ages 51-65

Riders included at no extra cost: Accelerated Death Benefit for Terminal Illness 92% of the death benefit, Residential damage waiver of premium, waiver of premium for unemployment, Common carrier death benefit provision

Optional riders:  Disability income, disability waiver of premium, accidental death, dependent children coverage.

Payment methods: Checking account only

Agent commission: Full for Level.

Application: eApp & Paper app:

TLE Customer Brochure: MOO Term Life Express Customer Brochure

GULE Customer Brochure: MOO GULE Customer Brochure

TLE Product Guide: MOO TLE Highlight sheet

GULE Product Guide: MOO GULE Product Guide

Agent Guide/Build Chart: MOO Express Product Guide

Agent Life Underwriting Guide:MOO Life Product Underwriting Guide

RX Guide:MOO RX Exclusions

RUN QUOTE

Website: https://accounts.mutualofomaha.com/

Sales Support: 800-775-7896

Product type: Term 3 day turnaround time, no paramed exam, no phone interview

This product does require the customer to have a mortgage to qualify for this product.

Non-Citizen option – Use this product if your client does not have a Social Security Number,

Offers: Term, ROP

Ages: 20 – 65

Max age for ROP: 60 on a 20-year term, 55 on a 25 year term, 50 on a 30 year term.

 

Coverage amount: $25,000 to 300,000

No cost riders: Receive up to 100% for Terminal Illness. Up to $5,000 Confined care, Up to 95% for Chronic illness

Optional riders: ROP, Critical illness, disability income, accidental death, waiver of premium, children’s insurance, level term

Confined care benefit: If the insured is confined to a nursing home at least 30 days after the policy is written, the insured can receive a monthly payment.  Monthly benefit of 5% of the face amount up to $5,000

Riders: Accelerated Death Benefit, Children’s benefit, Grandchild benefit, Nursing home waiver

*Return of premium only returns 75% of the premium.  It’s recommended if your client wants ROP to select another carrier.

Payment methods: Checking account

Agent commission: Full for Preferred & Standard. Reduced commission for Modified (MWL)

Application: eApp & Telephone Interview app: https://www.insuranceapplication.com/cgi/webapp/mobile/Queue.aspx

Agent Guide: AmAm Home Protector Product Guide

Underwriting Guide: American Amicable Home Protector Guide

RUN QUOTE

Website: https://www.americanamicable.com/Marketing/area/A/marketing.php

Sales Support:  800-736-7311 (prompts 1, 1, 2)

Apptical phone interview: 877-351-1773

Monday – Friday 7:30 am CST – 9:00 pm CST

Saturday – Sunday 9:00 am CST – 1:00 pm CST

Product type: Term Life with several product options below

Product Training Video:

Offers: Level and ROP, and Diabetic options

Issue Age: 20-60

SI Term 20 20 year level premium term, simplified issued, phone interview required

Face amounts

  • Age 20-45: $25,000 – $200,000
  • Age 46-55: $25,000 – $150,000
  • Age 56-60: $25,000 – $100,000

SI Term 30 30 year level premium term, simplified issued, phone interview required

Face amounts

  • Age 20-45: $25,000 – $200,000
  • Age 46-55: $25,000 – $150,000

SI Term 20 ROP 20 year level premium term with return of premium, simplified issued, phone interview required

Face amounts

  • Age 20-45: $50,000 – $200,000
  • Age 46-55: $50,000 – $150,000
  • Age 56-60: $50,000 – $100,000

SI Term 20 DLX 20 year level premium term, built in table 8 rating, suitable for insulin-dependent diabetics, simplified issued, phone interview required

Face amount Age 20-60: $25,000 – $50,000

 

Payment methods: Checking account only

Agent commission: Full for Level. Reduced for Graded.

Application: eApp or Paper application only:

For eApp and paper app log on to carrier website: https://www.unitedhomelife.com/

Customer Brochure: UHL Term Life Customer Brochure

Agent Guide: UHL Term Product Agent Guide

Express Product Guide: UHL Express Product Portfolio Guide

RUN QUOTE

Website: https://www.unitedhomelife.com

Sales Support: (800) 428-3001, Option 2 (8:00 am to 6:30 pm Eastern)

Product type: Term Accidental Death only plan

Guaranteed ADvantage Accidental Death Insurance covers your client in the case of death resulting from an accident. The application process is easy – no health questions, medical exams or occupational restrictions. Guaranteed ADvantage is guaranteed coverage so your client cannot be turned down.

Level Benefit Plan: issues age 18-70 and policy coverage up to age 80.  ROP option on plan.

Issue Age: 18-70

Coverage amount: $50,000 – $500,000

Optional riders:  Return of premium, Spouse and Family option

  • Spouse coverage is 100 percent of the Proposed Insured coverage and child coverage is 20 percent of the Proposed Insured coverage
  • 24-hour all accident coverage
  • Common Carrier Benefit: provides an additional death benefit equal to the base accidental death benefit
  • Auto Pedestrian Benefit: pays an additional 25 percent of the accidental death benefit

Payment methods: Checking account only

Agent commission: Full for Level.

Application: eApp & Paper app:

Agent Guide: MOO Accidental Death product details

RUN QUOTE

Website: https://accounts.mutualofomaha.com/

Sales Support: 800-775-7896

Product type: Your Term

Level Benefit Plan: 10, 15, 20, 30 year term

Issue Age: 18-80

Coverage amount:

  • $50,000 – $400,000 ages 18-55
  • $50,000 – $150,000 ages 56-80

Riders included at no extra cost: Accelerated Death Benefit for Terminal Illness of the death benefit, Chronic Illness, Critical Illness

Optional riders:  Disability income, disability waiver of premium, accidental death, dependent children coverage.

Payment methods: Checking account only

Agent commission: Full for Level

Application: eApp & Paper app: Foresters Guide to completing application

Customer Brochure: Foresters Term Consumer Brochure

Product Summary: Foresters Your Term Product Summary

Agent UW Guide:Foresters Product UW Guide

Product Guide: Foresters Product Guide

RX Guide:

RUN QUOTE 

Website: https://portal.foresters.biz

Sales Support: 866-466-7166

Just in time contracting – New agents can write immediately in all states other than Pennsylvania you have to be appointed prior to submitting business.

NEW AGENTS: If you haven’t done so already, register to get access to the tools and eApp for Phoenix Life. Select producer/agent for registration and follow the instructions.  http://phoenixsalesnet.phl.com/sites/PhoenixSecureLogin/home/log-in.html?regCode=3S8D60472QD331SM4T2AOMWM


Product type: Term

Offers: Term 10 yr, 15 yr, 20 yr, 30 yr (non-tobacco)

TERM LIFE EXPRESS

Term Life Express – Use for extremely health clients. 1-2 day approval.  Ideal for young and healthy clients.

Simplifed issue, Non-medical, no paramedical exam, MIB & Script check.

Ages: 18-80 – Term Life Express

  • 18-50: $25k – $400K
  • 51-60: $25k – $300k
  • 61- 70: $25k – $200k
  • 71- 80: $25k – $100k

TERM LIFE

Ages: 18-80 Term Life.  Use for clients that are over 45 or may have some minor health issues. 3 to 5 day approval in most cases.  If the APS is required it approval will take longer.

Non-medical, no paramedical exam, MIB, Script check, may require APS (attending physcian statement) based on application and MIB & Script.

Accepts clients with: Diabetes Metformin, Insulin ok if a non-smoker, within the build chart range, and A1C is less than < 9. COPD level, non-smoker, no oxygen, no steroids. See agent guide for more details on health issues.

  • 18 -50 $50k – $500k
  • 51 – 60 $50k – $400k
  • 61 – 70 $50k – $300k
  • 71 – 80 $50k – $150k

Both Term Life Express and Term have the following product features:

  • Living benefits/Riders:  Critical, Chronic, & Terminal illness advance 95% of death benefit. See product guide for details.
  • Included rider: Unemployment rider for issue age 18-60.
  • Optional rider: Accidental death benefit – matches base coverage amount up to $250K max.

Payment methods: Checking account

Agent commission: Policy is issued when they on draft 1st payment. Commissions paid on issue typically 2 business after issue.

Application: eApp, Paper, & Telephone Interview app.

Application: https://www.firelighteapp.com/EGApp/8d63ae21336cc79c45

First time writing agent – eApp – Make sure to enter the last 4 of your SSN in the Writing Code field on the application.

Customer Brochure: Customer Brochure Phoenix Safe Habor Term Life

Product Summary: Phoenix Life Term Product Summary

Agent Guide: Phoenix Safe Habor Agent Guide

RUN QUOTE

Website: https://salesnet.nsre.com/safe-harbor-term-life.html

Sales Support: 1-888-794-4447,  Option 2 (Life)

Product type: Term no paramed exam.

Eapp only. There is no paper app.

Description

Generally the most budget-friendly type of life insurance, term insurance is often the first step for clients looking to protect the financial future of their families. JETerm insurance from Royal Neighbors provides lower premium coverage at a fixed premium amount for 15, 20 or 30 years. Your clients can rest assured knowing in the event of an untimely death, the financial security of their loved ones is protected along with the ability to maintain their standard of living.

Term to Age 95 with Guaranteed Level Premium Periods

• Certificate can be issued for 15, 20, or 30-year level premium periods.

Issue Ages

  • JETerm 15 – issue ages 18-65
  • JETerm 20 – issue ages 18-60
  • JETerm 30 – issue ages 18-50

Face Amounts

• $50,000 minimum
• $5,000,000 maximum

Underwriting:

  • $50K-$250K ages 18-50 non -med accelerated underwriting
  • $50K-$250K ages 18-60 non-med accelerated underwriting
  • $500K+ ages 18-65 Full underwriting

Riders: Accelerated Death Benefit, Accidental Death Benefit, Child Rider, Cancer Waiver, Disability Waiver,

Payment methods: Checking account

Application: eApp only:

Product Profile: RNA Jet Term Product Profile

Underwriting Guide: RNA Jet Term Underwriting Guide

Customer Brochure: RNA Jet Term Client Brochure

RUN QUOTE

Website: https://agent.royalneighbors.org/

Sales Support: 1-800-627-4762

Product type: Term & IUL

Level Benefit Plan: 10, 15, 20, 30 year

Ages – 0 – 85

Coverage & age limits for EZ underwriting

  •  Age 18-60: up to $1,000,000
  •  Age 60-65: up to $250,000

Non-med underwriting

Application, Tele-interview, MIB, RX check

Tele-interview is required on all cases $500,001 – $1,000,000

Living benefits included: Accelerated Death Benefit for Terminal Illness, critical and chronic illness.

Optional riders:

Payment methods: Checking account only

Agent commission:

Application: eApp & Paper app:

Customer Brochure: NLG FlexLife II brochure

Agent Guide:NLG Underwriting Guide

Product guide: NLG FlexLife II Product Guide

Build Chart: See agent UW guide

RX Guide: See agent UW guide

To run a quote, log in to NLG website and run quote using the online “illustration” program.  It’s located in the upper left corner of the website. Or contact the NLG sales support desk and they will run a quote/illustration for you.

Website: https://www.nationallife.com/

Sales Support: 800-906-3310

NLGSalesDesk-Life@NationalLife.com

NOT AVAILABLE IN: California

Product type: Term & ROP – AcceleTerm and AcceleTerm ROP

Non medical, no paramedical exam.

Diabetic friendly

Offers: Term 10 yr, 15 yr, 20 yr, 30 yr

Ages: 18-55

Coverage amount: $50,000 – $300,000

Living benefits/Riders:  Critical & Terminal illness advance 95% of death benefit. See product guide for details.

Optional riders: Unemployment rider, Accidental death benefit

Payment methods: Checking account

Agent commission: Full

Application: Paper app only. Fast turnaround time on paper application

Customer Brochure:

Product Summary:

Agent Guide:

RUN QUOTE

Website: https://www.kclic.net/

Sales Support:

Product type: Term Trendsetter LB – A term policy with Living Benefits

Level Benefit Plan: 10, 15, 20, 30 year term

Issue Age: 18-80

Coverage amount:

  • Non-Med: $25,000 – $249,999
  • $25,000 – $2 Million

Riders included at no extra cost: Accelerated Death Benefit for Terminal Illness of the death benefit, Chronic Illness, Critical Illness

Optional riders:  Disability income, income protection option IPO, disability waiver of premium, accidental death, dependent children coverage.

Payment methods: Checking account only

Agent commission: Full for Level.

Application: eApp & Paper app: iPipeline – https://www.agentnetinfo.com/

Customer Brochure: Transamerica Trendsetter LB Customer Brochure

Agent Guide: Trendsetter Term Agent Guide

Complete UW Guide with Build Chart: Transamerica Insurance Underwriting Guide

Health Impairment Guide: Underwriting-FAQ-Common-Impairment-Guide-0818

RX Guide: http://rx.mpremcalc.com/

RUN QUOTE – Product – Trendsetter LB 2017

Website: https://www.agentnetinfo.com/

Sales Support: 800-797-2643

Product type: Term Accidental Death only plan

Guaranteed ADvantage Accidental Death Insurance covers your client in the case of death resulting from an accident. The application process is easy – no health questions, medical exams or occupational restrictions. Guaranteed ADvantage is guaranteed coverage so your client cannot be turned down.

Level Benefit Plan: issues age 18-70 and policy coverage up to age 80.  ROP option on plan.

Issue Age: 18-70

Coverage amount: $50,000 – $500,000

Optional riders:  Return of premium, Spouse and Family option

  • Spouse coverage is 100 percent of the Proposed Insured coverage and child coverage is 20 percent of the Proposed Insured coverage
  • 24-hour all accident coverage
  • Common Carrier Benefit: provides an additional death benefit equal to the base accidental death benefit
  • Auto Pedestrian Benefit: pays an additional 25 percent of the accidental death benefit

Payment methods: Checking account only

Agent commission: Full for Level.

Application: eApp & Paper app:

Agent Guide: MOO Accidental Death product details

RUN QUOTE

Website: https://accounts.mutualofomaha.com/

Sales Support: 800-775-7896