Term Life Insurance Policy Details

United of Omaha Life Insurance Company’s term life insurance is a basic and easy to understand policy that gives you all of the coverage you need until the age of 80. It’s as simple as that!

If you are between 30 and 74 years old you are eligible for United of Omaha Life Insurance Company’s term life insurance policy. The policy does not require a medical exam (just a few simple health questions) and offers up to $100,000 in coverage. You’ll receive full policy benefits from day 1 until age 80 for any cause of death other than suicide. Coverage is guaranteed renewable as long as your premiums are paid on time. In addition to this great coverage, you’ll get a 30-day free look period.

Suicide exclusion: We will not pay the death benefit if the insured commits suicide, while sane or insane, within two years from the issue date. One year in North Dakota. Instead we will return all premiums paid.

Term Life Insurance Benefits

  • Choose the Benefit You Need - Because everyone's needs are different, you can pick your own benefit amount: $25,000 up to $100,000.
  • Coverage available for ages 30-74
  • Pays full benefits from day 1, and protection lasts until age 80.
  • Simplified applications with only a few health questions.
  • You can complete the application online
  • No Medical Exam
  • Additional Benefits:**
    • Unemployment Waiver of Premium - Premiums for policy and any additional riders will be waived for one six-month period if you become unemployed while the policy is in force. Exclusions & Limitations
    • Accelerated Death Benefit - You will be able to receive 94% of the death benefit if you provide evidence that your life expectancy is 12 months or less. Exclusions & Limitations
  • Optional Accidental Death Coverage - This additional benefit will be paid for accidental death that occurs while this benefit is in force. Exclusions & Limitations

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Rates starting at only $9.40 a month!

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Waiver of Premium Exclusions & Limitations

This benefit is available beginning 24 months after the policy issue date. The insured must receive state or federal unemployment benefits for four consecutive weeks and provide proof of receiving such benefits withing 90 days after the end of this four-week period.

Accelerated Death Benefit Exclusions & Limitations

The Accelerated Death benefit will not be available if the Insured's medical condition is the result of an intentionally self-ndicted injury; or all or part of the policy's death benefit has been awarded to a former spouse as part of a divorce decree.

Accidental Death Exclusions & Limitations

If any of the following caused or contributed to the insured's death, the benefit will not be paid: Suicide, or intentionally self-inflicted injury, while sane or insane; commission or attempted commission of a felony; travel in or descent from an aircraft, if the insured acted in a capacity other than as a passenger; war or an act of war; (1) war includes, but is not limited to, declared war and armed aggresion by one or more countries resisted on orders of any other country, combination of countries or international organization; and (2) act of war means any act peculiar to military, naval or air operations in time of war; disease or infirmity of mind or body; an infection not occuring as a direct result or consequence of the accidental bodily injury; voluntary intake or use by any means of (1) any drug, unless prescribed or administered by physician and taken according to the physician's instructions; or (2) poison, gas, or fumes, unless a direct result of an occupational accident; intoxication as defined by the jusrisdiction where the accidental bodily injury occurred; participation in an illegal occupation or activity; active participation in a riot, insurrection, or terrorist activity; or accidental bodily injured received while the insured is incarcerated.

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