Living Promise Whole Life (FE)

Mutual of omaha

Simple & quick process for purchasing life insurance.

Living Promise Whole Life Insurance from United of Omaha Life Insurance Company (United of Omaha) is designed to help with final expenses and more. It can provide affordable protection that pays benefits directly to the person you choose to take care or your outstanding medical bills, unexpected expenses or debt that you leave behind. Having a whole life insurance policy in place can be a very loving and considerate thing to do for your loved ones.

Mutual of omaha

Living Promise Whole Life Insurance offers:

– Face amounts of $2,000 to $40,000  (level benefit – most states)
  Face Amounts of $2,000 to $20,000  (graded benefit – most states)

– Yes/No Underwriting in the home

  • Competitive premiums that fit many budgets
  • The life insurance cannot be cancelled for any reason as long as premiums are paid
  • There is no medical exam; coverage is based on answers to a few health questions
  • Paid benefits do not decrease
  • Premium rates never increase
  • Benefits are paid to designated beneficiary
  • Note: Benefits and features may vary by state.

Product Details

Level Benefit Plan: • Death Benefit: 100%
• Issue Ages: 45-85
• Face Amounts: $2,000 – $40,000 (in WA, $25,000 – $40,000)
• Underwriting Classes: Standard Tobacco/Nontobacco
• Underwriting: MIB, pharmaceutical check, random phone interviewsAdditional Benefits – Level Benefit Plan Only
Accelerated Death Benefit for Terminal Illness or Nursing Home
Confinement Rider
* (not available in New York)
Allows the owner a one-time election to receive the Accelerated Benefit
if the insured is either: (a) diagnosed as having a terminal illness that,
with a reasonable degree of certainty, will result in the insured’s death
within 12 months or less from the date a physician signs the statement
of proof of terminal illness, (b) has been confined to a nursing home for
90 consecutive days or more and is expected to remain confined in a
nursing home for the duration of the insured’s life; in FL, or (c) certified
by a physician that the insured is unable to perform (without substantial
assistance from another person) at least two activities of daily living due
to a chronic illness.* Accelerated Death Benefit for Terminal Illness or Chronic Illness Rider in FL;
Accelerated Death Benefit for Terminal Illness Rider in CT.Optional: Accidental Death Benefit Rider
This Rider provides an additional death benefit equal to the policy’s face
amount if the death of the insured results from accidental bodily injury
and independently of sickness and all other causes.

Graded Benefit Plan:*

*not available in AR, MT, NC, or WA

• Death Benefit: This policy contains a graded benefit meaning that for
death due to natural causes (any cause other than accidental) during
the first two years, the beneficiary will receive all premiums paid plus
10 percent. After the two years, the full benefit is paid for death due
to all causes. Full death benefits will be paid, in all years, if death
results from an accidental bodily injury.
• Issue Ages: 45-80 (in NY, 50-75)
• Face Amounts: $2,000 − $20,000
• Underwriting Class: Standard (no tobacco distinction)
• Underwriting Requirements: MIB, pharmaceutical check, random
phone interviews
*not available in AR, MT, NC or WA
Issue Amounts: $2,000 – $40,000
Policy Fee: $36
Underwriting Classes: Standard Tobacco/Nontobacco
Applications & Forms: iPipeline Download (applications/forms/etc)
Illustration Software:  Mobile Quotes Now

Contact an Underwriter: (800) 775-7896

The MoO underwriting team wants to get your business issued quickly. That’s why they provide direct access to their underwriters. Call them to discuss the details of a case and expedite the underwriting process.