Mutual of Omaha Contracting & Appointment

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State Availability

Last review date: 05/25/2023

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Plan Information

Issue ages 18–70.

Guaranteed ADvantage Accidental Death Insurance covers your client in the case of death resulting from an accident.

Guaranteed Advantage Accidental Death is guaranteed issue for all that apply. No health questions, medical exams, or occupational restrictions.

Accidental Death Benefits: $50,000 to $500,000 (increments of $1,000). Spouse coverage is 100% of the proposed insured coverage, and child coverage is 20% of the proposed insured coverage. All accident coverage is 24-hour coverage. Common carrier benefits: Provides an additional death benefit equal to the base accidental death benefit. Auto-Pedestrian Benefit: pays an additional 25% of the accidental death benefit. Family coverage is available.

Optional Rider: Return of Premium Rider is only available for ages 18 to 50; if applying for family coverage, both Insureds must be age 50 and under at the time of application; availability may vary by state.

A spouse can’t be added to the policy after issue. Additional children can be added after issue as long as eligibility requirements are met.

• Guaranteed issue.
• No health questions, medical exams or occupational restrictions.

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State Availability

Last review date: 05/25/2023

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Plan Information

These products provide a lump-sum cash benefit upon diagnosis of cancer, heart attack or stroke, or a critical illness. Policy benefits can be used any way the beneficiary chooses, giving them extra cash to help pay medical and nonmedical expenses, including:

• Replacing lost income while individual is off work.
• Continuing to pay ongoing expenses, like mortgage payments, groceries and utilities.
• Paying health insurance deductibles and copayments.
• Hiring home health care or childcare services.
• Traveling to receive treatment.

Issue ages 18 to 64 Critical Illness; issue ages: 18 to 89 Cancer; issue ages 18-89 Heart Attack & Stroke for lifetime coverage.

Coverage plans for an individual, single parent, or family.

Adult coverage: $10,000 to $100,000 on all plans. Coverage options: lifetime coverage, term 10, 15, 20, or 30 years, all plans. Base benefits: lump-sum payment all plans; and return of premium upon death on Critical Illness.

Lump Sum Cancer

This policy is designed to provide benefits for cancer only (internal cancer or malignant melanoma).

Coverage is not provided for other diseases or accidents.

Upon the diagnosis of cancer, the insured will receive a lump-sum payment of 100 percent of the benefit

amount selected. Once the benefit has been paid, the policy will end, unless benefits continue under an

attached rider. Available riders include: Heart Attack & Stroke, Intensive Care, Cash Value.

• Issue Age – 18 to 89, 18-54 (Term).
• Dependent Children – Dependent children are eligible for coverage through age 25 or until date of marriage, whichever occurs first.
• Family Coverage – Either partner on a family plan may be the primary insured. Premiums will be based on the age of the oldest insured.
• 30-Day Waiting Period – A 30-day waiting period for cancer coverage begins on the policy effective date.
• Guaranteed Renewable – The coverage is guaranteed renewable for life or until the end of the term period.

Lump Sum Heart Attack & Stroke

This policy is designed to provide benefits for heart attack and stroke or the performance of coronary

angioplasty surgery or coronary artery bypass surgery only. Coverage is not provided for other diseases

or accidents. Upon the diagnosis of heart attack or stroke or the performance of coronary angioplasty surgery or coronary artery bypass surgery, the insured will receive a percentage of the benefit amount selected in a lump-sum payment:

• 100 percent for heart attack or stroke
• 25 percent for coronary angioplasty surgery or coronary artery bypass surgery (payable once per

insured person during the life of the policy).

Once 100 percent of the benefit has been paid, the policy will end, unless benefits continue under an

attached rider. Available riders include: Cancer, Intensive Care, Cash Value.

• Issue Age – 18 to 89, 18-54 (Term)
• Dependent Children – Dependent children are eligible for coverage through age 25 or until date of marriage, whichever occurs first.
• Family Coverage – Either partner on a family plan may be the primary insured. Premiums will be based on the age of the oldest insured.
• Guaranteed Renewable – The coverage is guaranteed renewable for life or until the end of the term period.

Lump Sum Critical Illness

This policy is designed to provide benefits for cancer, heart attack, stroke, Alzheimer’s disease, blindness, deafness, kidney failure, major organ transplant surgery, paralysis or the performance of coronary angioplasty surgery or coronary artery bypass surgery only. Coverage is not provided for other diseases or accidents.

Upon the diagnosis of cancer, heart attack or stroke, Alzheimer’s disease, blindness, deafness, kidney failure, major organ transplant surgery, paralysis or the performance of coronary angioplasty surgery or coronary artery bypass surgery, the insured will receive a percentage of the benefit amount selected in a lump-sum payment:

• 100 percent for cancer, heart attack, stroke, Alzheimer’s disease, blindness, deafness, kidney failure, major organ transplant surgery, paralysis.
• 25 percent for coronary angioplasty surgery or coronary artery bypass surgery (payable once per

insured person during the life of the policy).

Once 100 percent of the benefit has been paid, the policy will end, unless benefits continue under an attached rider. Available riders include: Intensive Care, Cash Value.

Return of Premium (Built-in)

If the primary insured dies while covered under this policy, we will return all premium paid under the policy minus benefits already paid under the policy or any attached riders.

• Issue Age – 18 to 64
• Dependent Children – Dependent children are eligible for coverage through age 25 or until date of marriage, whichever occurs first.
• Family Coverage – Either partner on a family plan may be the primary insured. Premiums will be based on the age of the oldest insured.
• 30-Day Waiting Period – A 30-day waiting period for cancer coverage begins on the policy effective date.
• Guaranteed Renewable – The coverage is guaranteed renewable for life or until the end of the term period.

General Underwriting Guidelines: Express and simplified. Features and riders may not be available with all policies or approved in all states.

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State Availability

Last review date: 05/25/2023

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Plan Information

Issue ages 19–99.

• Issue ages: 19 to 99.
• Guaranteed issue
• Community-rated.
• Guaranteed renewable.

Two competitively priced dental coverage options:

Mutual Dental Preferred and Mutual Dental Protection; a Vision Benefit Rider is optional to enhance either plan. Clients must own the dental insurance policy to purchase this rider. The Vision Benefit provides a reimbursement benefit that pays as follows: up to $50 every calendar year for one eye exam (no waiting period) and up to $150 every two calendar years for eyeglasses or contact lenses (after a six-month waiting period).

• Calendar Year Deductible: $0 for preventive services and $50 for the basic and major services under the Preferred Plan; and $100 for all services combined under the Protection Plan.
• Preventive, basic, and major services include cleanings, x-rays, fillings, extractions, emergency treatment, crowns, dentures, bridges, root canals, periodontics, and oral surgery benefits.
• Calendar year benefit: $1,500, $3,000 or $5,000 for Mutual Dental Preferred and Mutual Dental Protection, depending on selection and state; and the lifetime maximum amount for dental implants: $3,000 under the Preferred Plan; and $2,000 under the Protection Plan.
• Pretreatment estimates available for services $200 or more.
• E-App available (has multiple signature options)

Not all states have enhanced plans.  See individual plans for details.

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State Availability

Last review date: 05/25/2023

AK AL AR AZ CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Plan Information

Issue ages 18–61.

Accident and Sickness Disability

Issue ages 18-61. Guaranteed renewable to age 67; conditionally renewable to age 75. Noncancelable to age 67; conditionally renewable to age 75. Maximum monthly benefit $20,000. Elimination period 30, 60, 90, 180, 365, 730 days. Benefit period 6 mo., 1, 2, 5, 10. To age 65, 67, 70.

Optional benefits: Automatic Increase Benefit, Future Insurability Option, Extended Regular Occupation, Return of Premium, Cash Value Benefit, Social insurance Supplement, Residual Disability, Enhanced Residual Disability, Mental or Nervous and Substance Abuse, Catastrophic Disability Benefit, Cost of Living Adjustment.

• Simplified and full Underwriting.

Accident Only Disability

Issue ages 18-61. Guaranteed renewable to age 67; conditionally renewable to age 75. Maximum monthly benefit $5,000. Elimination period 30, 60, 90, 180, 365, 730 days. Benefit period 6 mo., 1, 2, 5, 10.

Optional benefits: Automatic Increase Benefit, Future Insurability Option, Social insurance Supplement.

Simplified Underwriting.

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State Availability

Last review date: 05/25/2023

AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MD ME MI MN MO MS MT NC ND NE NH NJ NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Plan Information

Medicare supplement insurance works to support individual’s Original Medicare benefits and standardized plans are available in most states.

Select from Plan A, B, C, D, F, HFG, G and N. May vary by state. Medicare Select is available in a few states.

• Low out-of-pocket costs.
• Individuals can keep their doctor that accepts Medicare patients.
• Guaranteed renewable coverage.
• E-App available.
• Signature methods include electronic, voice and wet

If beneficiary is enrolled in Medicare Part A and Part B and is 65 years or older, or has a qualifying disability, they are likely eligible to purchase Medicare supplement insurance. If they apply during their Medicare supplement insurance open enrollment period (a 6-month period starting the first day of the month they’re age 65), they cannot be denied coverage or charged more for a policy based on their health.

Mutual of Omaha’s Medicare supplement policyholders want valuable extras that help them stay fit, stay healthy and keep more money in their pocket. Here’s what they get when they purchase a Med Supp policy from Mutual of Omaha or an affiliate company (more are offered after policy issue). Discount include Mutual Well (healthy living), Amplifon Hearing Health Care, EyeMed Vision Care, and Aloe Care (medical alert communication system).

Some information may vary by state. See state-specific information and rates.

View this information as a web page.

State Availability

Last review date: 05/25/2023

AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Plan Information

Issue ages 30–79.

Mutual of Omaha offers two types of LTC: MutualCare Secure Solution and MutualCare Custom Solutions. Issue ages: 30 to 79 for both plans; Tax qualified only and partnership qualified.

MutualCare Secure Solution

MutualCare Secure Solution is a good fit for customers looking for easy-to-understand benefit choices.

Built-In Benefits for MutualCare Secure Solution ~ Policy limit: Benefit multiplier determines policy limit, options include 24, 36, 48, or 60 months. Maximum monthly benefit: $1,500 to $10,000 per month in $1 increments. Elimination period: 90, 180, or 365 calendar days. Cash benefit: 30% of home health care benefit up to initial maximum of $2,400 per month.

Nursing home benefit: 100%. Assisted living facility benefit: 50%, 75%, or 100% of maximum monthly benefit. Home health care benefit: 50%, 75%, or 100% of maximum monthly benefit. Adult daycare benefit: Up to 100% of the monthly home health care benefit.

Stay-at-home benefits include caregiver training, durable medical equipment, home modification, and Medicare alert system: Up to two times the maximum monthly benefit.

Bed reservation benefit for nursing home and assisted living facility: 30 days per calendar year.

Respite care benefit: 1 month per calendar year.

Hospice care benefit: Pays maximum monthly benefit; no elimination period applies.

International benefit: Maximum monthly benefit for up to 12 months.

Waiver of premium includes nursing home, assisted living facility, and home health care; and subject to eligibility requirements.

Alternate care benefit: Available when care coordination is used.

Optional partner benefits: Shared care and security benefit.

Other optional benefits: Waiver of elimination period for home health care, nonforfeiture, ROP at death.

Inflation protection options: Lifetime: 3%, 4%, or 5% compound or 20-Year: 3% or 5% compound.

MutualCare Custom Solution

MutualCare Custom Solution is a good fit for customers wanting to customize a policy.

Built-in benefits for MutualCare Custom Solution ~ policy limit: Pool of dollars determines policy limit; options include $50,000 to $500,000.

Maximum monthly benefit: $1,500 to $10,000 per month in $50 increments. Elimination period: 0, 30, 60, 90, 180, or 365 calendar days. Cash Benefit: 40% of home health care benefit up to initial maximum of $2,400 per month.

Nursing Home Benefit: 100%. Assisted Living Facility Benefit: 50%, 75%, or 100% of maximum monthly benefit. Home health care benefit: 50%, 75%, or 100% of maximum monthly benefit. Adult daycare benefit: up to 100% of the monthly home health care benefit.

Stay-at-home benefits include caregiver training, durable medical equipment, home modification, and Medicare alert system: Up to two times the maximum monthly benefit.

Bed reservation benefit for nursing home and assisted living facility: 30 days per calendar year.

Respite care benefit: 1 month per calendar year. Hospice care benefit: Pays maximum monthly benefit; no elimination period applies.

International benefit: Maximum monthly benefit for up to 12 months.

Waiver of premium includes nursing home, assisted living facility and home health care; and subject to eligibility requirements.

Alternate care benefit: Available when care coordination is used.

Optional partner benefits: Shared care, security benefit, joint waiver of premium, and survivorship benefit.

Other optional benefits: Waiver of elimination period for home health care, nonforfeiture, return of premium at death, and professional home health care. Inflation protection options: inflation percentage: 1% to 5% compound in .25% increments; and inflation duration: lifetime, 20, 15, or 10 Years.

Inflation protection buy-up option: Available.

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State Availability

Last review date: 05/25/2023

AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Plan Information

Mutual of Omaha offers 3 plans to ensure you find the plan that is right for you. Plans include 30-day supply at preferred pharmacies and a 90-day supply with home delivery. CVS is the preferred network, including CVS, CVS-Target, Walmart, Sam’s Club, Hy-Vee, H-E-B, Meijer, and regional Rx networks.

Mutual of Omaha RX Essential

• Low monthly premium
• $0 Tier 1 deductible
• $505 deductible on Tiers 2-5
• $0 Tier 1, copay for 30- or 90-day supply at preferred and mail-order pharmacies.

Mutual of Omaha RX Premier

• Comprehensive formulary
• Select insulin program coverage
• $0 deductible on Tiers 1 & 2
• $505 deductible on Tiers 3-5
• $1 Tier 1, 30-day copay at preferred pharmacies
• $2.50 Tier 1, 90-day copay with mail order.

Mutual of Omaha RX Plus

• Stable and reliable
• $505 deductible on all Tiers
• $1 Tier 1, 30-day copay at preferred pharmacies
• $2.50 Tier 1, 90-day copay with mail order

Some information may vary by state. See state-specific information and rates.