1. Medicare Supplement/Select Rollout Training Presentation

2. Summary Why United of Omaha? Versus Mutual of Omaha/United World products Differences –New premium features –New application format allows addition of second applicant Similarities –Processes and procedures, minus addition of HIPAA form completion on non- guaranteed issue business –Payment options –Marketing Materials with “Go Play” theme, but utilizing United of Omaha logo Adding Medicare supplement/Select products to United of Omaha Life Insurance paper to offer competitive premiums

3. Med Supp State Approval Chart (As of 05/27/09) NH SC WV TN OH MI TX NV VT DC MD MA RI CT DE NJ United World Mutual of Omaha United of Omaha 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

4. New Premium Features 7% household discount (Except in MO and CT) * Standard/Class I/Class II ratings ** (not applicable during Open Enrollment/Guarantee Issue periods) Male rates more competitive Area ratings improved to provide more competitive premiums in TN, TX and MI *12% discount in MO, no discount in CT **Class rating not applicable in CT and TX

5. Household Discount Eligibility (Not applicable in MO and CT) Those that are eligible for the 7% household discount (new questions on application to help determine if applicant is eligible): –Individuals that reside together for at least one year or are married, and apply and are issued policies (Question 5a on application) –Individuals that reside at the same address with another individual for at least one year or are married; one individual currently owns a Mutual of Omaha, United World or United of Omaha Medicare Supplement policy (Question 5b on application). Discount will only be applicable on United of Omaha policies. If the response to either question (5a or 5b) on the application is “yes,” the individual qualifies for the discount Applicable for up to four policyholders in a single household Those that are eligible for the 7% household discount (new questions on application to help determine if applicant is eligible): –Individuals that reside together for at least one year or are married, and apply and are issued policies (Question 5a on application) –Individuals that reside at the same address with another individual for at least one year or are married; one individual currently owns a Mutual of Omaha, United World or United of Omaha Medicare Supplement policy (Question 5b on application). Discount will only be applicable on United of Omaha policies. If the response to either question (5a or 5b) on the application is “yes,” the individual qualifies for the discount Applicable for up to four policyholders in a single household

6. Household Discount Removal (Not applicable in MO and CT) Discount may be removed if: –One of the individuals terminates their policy –One of the individuals lapses their coverage –The individuals no longer reside at the same address Discount will not be removed if one of the individuals becomes deceased

7. Missouri Household Discount (Missouri only) Eligibility: – The applicant is eligible for a discount if, at the time of application, they are residing with a spouse or domestic partner Removal: –The discount will not be removed at any time

8. Standard/Class I/Class II Rating Rate calculation worksheet available to help determine rating (does not apply during open enrollment) Height and weight chart to determine –If eligible for coverage –If Standard rating applies –If Class I (+10%) or Class II (+20%) rating applies (Not applicable in TX and CT)

9. Rate Calculation Sheet If individual is eligible for the household discount (if individual’s response is “yes” to the eligibility question(s) in Section 5 of the application, the individual qualifies) Using the rate calculation worksheet, included in Application Packet, you are able to help the individual determine premium based on: If individual is eligible due to risk class How frequently your client wishes to pay his/her premium Just get the initial premium off the Outline of Coverage, and you’re ready to calculate.

10. Application Changes New format allows additional applicant living in the same household to apply at the same time (In Missouri only- - the additional applicant must be a spouse or domestic partner) Medicare Health Insurance Card Number listed in Section 1 Questions regarding receipt of guide and use of tobacco moved to Section 2 Clarified health questions

11. Other Items Medicare Supplement Underwriting Guide available Things to remember Strong History/Name Recognition: United of Omaha Life Insurance Company is an affiliate of Mutual of Omaha Company Financial Strength: United of Omaha Life Insurance Company is “A+” (Superior) * Rated by A.M. Best Company Administration: Competitive pricing, fast issue of policies and easy claims processing *Rating as of 6/08; A.M. Best Company, Inc. For additional questions on any topic covered in this presentation, please contact Sales Support at (800) 693-6083