1. Critical Illness Insurance The coverage that pays you for living AFN30148_0903 Critical Illness policy/certificate CI/CI1/CCI/CCI1 (in ID, CI-20145/CI1-20146; in OR, CI-19913/CI1- 19914; in TX, CI-19753/CI1-19754) or state equivalent. This is a limited benefit health policy/certificate. Exclusions, limitations and reductions apply. Rates and availability may vary by state.

2. Critical Illness Insurance Due to medical advancements People live longer Average Life Expectancy 1 1901 - 47.3 years 2001 - 77.2 years 1 National Center for Health Statistics, 2002

3. Critical Illness Insurance Due to medical advancements More critical illnesses are diagnosed in the United States More than 1.3 million new cancer cases are expected to be diagnosed in 2003 1 Every 29 seconds someone suffers a coronary event 2 Every 45 seconds someone suffers a stroke 2 1 2003 Cancer Facts & Figures, American Cancer Society 2 Heart Disease & Stroke Statistics - 2003 Update; American Heart Association

4. Critical Illness Insurance Due to medical advancements Also consider your lifestyle Today, we Eat a lot of fast food Drink more Smoke more Work more Rush around This all adds up to more stress!

5. Critical Illness Insurance Due to medical advancements People survive more critical illnesses The 5-year relative survival rate for all cancers combined is 62% 1 The 1-year heart attack survival rate is 75% 2 The 1-year stroke survival rate is 78% 2 1 2003 Cancer Facts & Figures, American Cancer Society 2 Heart Disease & Stroke Statistics - 2003 Update; American Heart Association

6. Critical Illness Insurance Due to medical advancements Survival has a price Costs like: Loss of income Home modifications Experimental treatment Child care, housekeeping and other domestic assistance Transportation and lodging for family members and loved ones during treatment

7. Critical Illness Insurance Critical Illness insurance meets a need not met by traditional products…the price of survival.

8. Critical Illness Insurance What is Critical Illness Insurance?

9. Critical Illness Insurance What is Critical Illness Insurance? Developed by Dr. Marius Barnard in 1983 Critical Illness provides you with a tax-free 1 lump-sum cash benefit when you’re diagnosed 2 with one of the covered conditions providing you Financial independence when you need it most 1 According to current tax laws. Consult your tax advisor. 2 As defined by the policy/certificate. Exclusions and limitations apply.

10. Critical Illness Insurance How do I use the cash benefit payment? Critical Illness insurance is all about personal choice…you may use the cash benefit payment on Anything you wish

11. Critical Illness Insurance You may be thinking “I already have health and disability insurance, so why do I need this?”

12. Critical Illness Insurance Traditional insurance won’t cover all the expenses related to a critical illness Medical Insurance Pays for doctor visits and prescription drugs Disability Insurance Pays a portion of income during a period of covered disability Life Insurance Pays a beneficiary upon death

13. Critical Illness Insurance Who do you know who’s had: …cancer …a heart attack …a stroke Who planned to be on that list?

14. Critical Illness Insurance Now think about what a difference a cash payment of $25,000, $100,000 or more would have made to each person when their condition was diagnosed. What difference would it make in your life?

15. Critical Illness Insurance What events may impact or change your life? EventAre you Insured? Stolen vehicle_______________ Home fire_______________ Home flood_______________ Death_______________ Diagnosis of heart attack or cancer_______________

16. Critical Illness Insurance It’s not someone else. A Critical Illness Survivor’s Story

17. Critical Illness Insurance Critical Illness Insurance from Mutual of Omaha Insurance Company

18. Critical Illness Insurance Mutual of Omaha’s Critical Illness Insurance Pays 100% of your maximum benefit amount when you’re diagnosed 1 with: Life-Threatening Cancer Heart Attack Stroke Alzheimer’s Disease Major Organ Transplant - when registered with United Network of Organ Sharing (UNOS) Multiple Sclerosis Paralysis Renal (kidney) failure Blindness Deafness 1 As defined by the policy/certificate

19. Critical Illness Insurance Mutual of Omaha’s Critical Illness Insurance Pays 25% of your maximum benefit amount when you’re diagnosed 1 with: First Carcinoma in Situ First Coronary Angioplasty First Coronary Bypass Surgery 1 As defined by the policy/certificate

20. Critical Illness Insurance If 25% of policy benefit amount is paid, your policy still continues at a 75% benefit amount - with a 25% premium reduction

21. Critical Illness Insurance Return of Premium Feature 1 You’ll receive the lump-sum benefit upon diagnosis, or if you die while this coverage is in force, your beneficiary or your estate will receive either: All paid premiums less benefits received; or Nothing, if the benefits paid are equal to or greater than the premiums paid 1 As defined by the policy/certificate. Not available in Florida.

22. Critical Illness Insurance Return of Premium Feature 1 In Georgia, if you die while this coverage is in force, your beneficiary or your estate will receive an amount equal to or less of: Return of premium; or The maximum benefit amount in force at the time of death 1 As defined by the policy

23. Critical Illness Insurance Reduction of Benefits The maximum benefit amount will be reduced by 50% at age 65 or 5 years after the issue date if the insured is age 60 or older at policy/certificate issue If the policy/certificate or certain riders pay a portion of the maximum benefit amount, your maximum benefit amount and premium will be reduced accordingly

24. Critical Illness Insurance Questions?

25. Critical Illness Insurance Underwritten By: Mutual of Omaha Insurance Company Mutual of Omaha Plaza Omaha, NE 68175 mutualofomaha.com Critical Illness policy/certificate CI/CI1/CCI/CCI1 (in ID, CI-20145/CI1-20146; in OR, CI- 19913/CI1-19914; in TX, CI-19753/CI1-19754) or state equivalent. This is a limited benefit health policy/certificate. Exclusions, limitations and reductions apply. Rates and availability may vary by state.