For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. Help Clients Prevent Their Own Mortgage Crisis

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. Sales Scenario: Help Clients Prevent Their Own Mortgage Crisis

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. Sales Scenario: Help Clients Prevent Their Own Mortgage Crisis

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. Help Clients Prevent Their Own Mortgage Crisis Best Opportunities: –Clients with a mortgage balance –Clients with children expecting a new child –Clients purchasing their first home The Solution: Term Life Express

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. The Solution: Term Life Express Age Last Birthday Company Complete portfolio of 15, 20 and 30 year products Competitive compensation Simplified issue up to $400,000 Four riders/provisions included with policy –Residential Damage Waiver of Premium Rider –Unemployment Waiver of Premium Rider –Accelerated Death Benefit Provision –Common Carrier Death Benefit Provision Knock-out application 5-day issue for ‘clean’ applications

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. Protect Your Client's Financial Legacy from Market Declines How to Present to Clients: Target clients with mortgage balances on their family home Use this customizable consumer flyer to start the discussion. Reassure them that you have a solution to make sure their family will be able to stay in their current home if they die prematurely.

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. Term Life Express

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. TLE Portfolio TLE: 15/15 TLE: 15/15 ROP TLE: 20/5 TLE: 20/20 TLE: 20/20 ROP TLE: 30/5 TLE: 30/30 TLE: 30/30 ROP

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. TLE State Availability (As of 1/15/10) United of Omaha Term Life Express NH SC WV TN OH MI TX NV VT DC MD MA RI CT DE NJ WA OR CA ID MT WY UT AZ NM CO ND SD NE KS OK MN IA MO AR LA MSAL GA FL KY WI ILIN NC VA PA NY AK HI ME

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. Express Underwriting Risk Classes: Standard and Standard Non-Tobacco Express Underwriting up to $400,000 $50,000-$250,000 Build Chart (very liberal) Medical Information Bureau (MIB) Report Pharmaceutical Report Random Phone Interview Ages require a mandatory phone interview and APS $250,001-$400,000 Same as $50-$250K; BUT Mandatory Phone Interview Oral Swab Test Ages require a mandatory APS To order Oral Swab Kits, contact Sales Support at

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. Riders/Provisions (Included with Policy) 1.Residential Damage Waiver of Premium Rider: Waives premiums for six months if primary residence sustains $25,000 or more in damage 2.Unemployment Waiver of Premium Provision: Waives premiums for six months if Insured becomes unemployed 3.Accelerated Death Benefit Provision: Accelerated 92% of the death benefit if Insured’s life expectancy is 24 months or less 4.Common Carrier Death Benefit Provision: Doubles the death benefit up to $250,000 if Insured dies on a common carrier (plane, bus, train, etc.) TLE offers four riders and provisions included with the policy:

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. Additional Riders TLE offers four additional riders: 1.Disability Income Rider: 18 or 30 month benefit; Maximum benefit: 1.5% face; $3,000/month; 60% of monthly gross income 2.Waiver of Premium Due to Disability Rider: Waives 100% of premium; ‘Any Occupation’ definition of disability 3.Accidental Death Benefit Rider –Issue Ages 15-25: $100,000 –Issue Ages 26-55: $250,000 (one 1 times the face amount, whichever is less) 4.Dependent Child Rider –Available in $5,000 or $10,000 –Annual premium is $7.20/$1,000 of insurance

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. Express Application ‘Knock out’ application –Allows the producers to know if the prospect qualifies Only SEVEN health underwriting questions Husband and wife can be on the same application One signature covers Application, BSP and MIB Can issue in under FIVE DAYS on clean applications

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. Application (Demographics)

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. Underwriting (Questions 1-3)

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. Underwriting (Questions 4-7)

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. Application (Face/Plan)

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. Application (Riders)

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. Application (Premium)

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. Application (Bank Service Plan)

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. Application (Conditional Receipt)

For producer use only. Product, features and riders may not be available in all states. Life Insurance underwritten by United of Omaha Life Insurance Company. TLE Summary Age Last Premium Complete portfolio of 15, 20 and 30 year products Competitive compensation Simplified issue up to $400,000 Four riders/provisions included with policy –Residential Damage Waiver of Premium Rider –Unemployment Waiver of Premium Rider –Accelerated Death Benefit Provision –Common Carrier Death Benefit Provision Knock-out application 5-day issue for ‘clean’ applications