United of Omaha

PRODUCT FEATURES:

• Rated A+ by A.M. Best

• Simplified underwriting.

• No point-of-sale phone interview.

• No medical exam.

• Premiums never increase and benefits never decrease.

• Coverage can never be canceled as long as premiums are paid.

• Legacy Safeguard Lead Program available. (pdf)

• Competitive Commissions and Premium Rates.

• Level Renewal Commissions Years 2-10 and Lifetime Renewals Years 11+.

• Level Pay and Graded Benefit Plans available.

 

Level Benefit Plan:

• Death Benefit: 100%

• Issue Ages: 45-85

• Face Amount: $2,000 - $40,000

• Underwriting Classes: Standard Tobacco/Non-tobacco

• Underwriting Requirements: MIB, Pharmaceutical Check, and Random Phone Interviews.

• Accelerated Death Benefit for Terminal Illness or Nursing Home Confinement Rider included in the policy at no additional cost.

• Optional: Accidental Death Benefit Rider

 

Graded Benefit Plan

• Issue Ages: 45-80

• Face Amount: $2,000 - $20,000

• Underwriting Class: Standard (no tobacco distinction)

• Underwriting Requirement: MIB, Pharmaceutical Check, and Random Phone Interviews.