A positive nicotine on oral fluid will be issued as a smoker. Tobacco users in any form are not eligible for preferred classes.

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1 SUBMISSION REQUIREMENTS 1. Tobacco Use Individuals who use tobacco in any form (including gum, patch or nicotine spray) or who show nicotine in their urine will be charged tobacco user rates, other than the occasional cigar smoker (no more than 12 cigars per year). This includes individuals who smoke cigarettes, cigars, pipes, chew tobacco, or dip snuff A positive nicotine on oral fluid will be issued as a smoker. Tobacco users in any form are not eligible for preferred classes. Former cigarette smokers and other tobacco users not qualifying for non tobacco user rates in the above paragraph must be tobacco free for a minimum of one year before non tobacco user rates are considered. Former cigarette smokers and other tobacco users must be tobacco free for a minimum of three years to be eligible for preferred rates and a minimum of five years for preferred plus rates. In order to consider a change to an in force policy from tobacco user to nontobacco user rates effective the next premium due date after the first policy year, the following documentation must be submitted: a) A fully completed application, including all medical questions answered; and b) A urinalysis obtained through a paramedical company. Misrepresentation of tobacco use status will result in the Company denying any claim and refunding the paid premiums with interest. Misrepresentation cannot be contested after policy has been inforce for 2 years. The company reserves the right to maintain original issue rating if the insured has had significant change in health but no longer is a tobacco user. 2. Underwriting Expenses/Reimbursements The Company will pay fees up to $75.00 for each set of medical records obtained in connection with a Formal Application. a) The Company does not accept this expense on Trial Inquiries unless a Formal Application is subsequently received and placed. b) Wholesalers who use a Vendor or Copy Service to obtain medical records on Trial Inquiries must arrange for billing directly with the Vendor. Mutual of Omaha 8.1.1

2 c) The Company will reimburse the Wholesaler for these fees if a Formal Application is received and placed. d) Wholesaler reimbursement is expected for any vendor billing received on a trial inquiry. A monthly list of expenses to be reimbursed is preferred. The Proposed Insured's name, file number and specific expense incurred (with names of doctors, hospitals or clinics) should be included. 3. Cover Memos Letters from the writing producer that provide additional information on the case being submitted are encouraged on every piece of business. Cover memos provide the Producer with the opportunity to provide details that may not otherwise be apparent from the evidence submitted and help the Company in the overall evaluation of the risk. Cover memos can help further clarify the need for insurance, unusual business situations or financial investments. These memos should be as detailed as necessary to provide a clear picture of the loss being covered. They should provide as much factual information as is known. Complete cover memos may eliminate the need for additional financial questionnaires or clarifying information regarding Owners and beneficiaries. 4. Aviation Licensed private pilots over age 26 with 100 or more hours of solo experience, flying up to 200 hours per year and holding an Instrument Flight Rating (IFR), will be allowed standard rates for pleasure flying. The Company will continue to review aviation activity and adjust rates where we feel we can do so. 5. Foreign Country Citizenship, Residence or Travel Our normal source of business is from permanent residents of the United States. Other applicants will be considered on an individual basis. Before submitting business on any individual who lives or travels extensively outside of the United States, you are urged to speak to an underwriter. 6. Beneficiary Designations Mutual of Omaha 8.1.2

3 The complete full name and relationship of the beneficiary should be clearly noted in the appropriate section of the application. a) If the Owner and beneficiary is a trust, the Company requires the name of the trustee, the date of the trust agreement (if an inter vivos trust) and the Trust Certification form. b) The Owner of the policy should consult with his or her estate planner or attorney for advice regarding the proper beneficiary and Ownership designations for their particular situation. c) The beneficiary of a policy must clearly stand to suffer a quantifiable loss with the death of the insured. If this is not obvious from the application, a cover memo should be submitted. 7. Substandard Ratings The Company uses table ratings to define substandard offers (e.g., T 2, T 5). Temporary or permanent flat extra premiums may also be used or added to a table rating. A policy amendment or letter to the client or Owner will refer to a rating as a "Special Class " issue. 8. Rate Reduction Rated cases may be reviewed for rate reduction after the policy has been in force for one year. a) Current evidence will be required. b) Submit a new application with a request for reconsideration. c) Give full details to the changed status and submit appropriate questionnaires. d) In many cases, requirements such as physician's reports, current labs or an inspection report will be needed. The Home Office will advise you of information to be obtained. Mutual of Omaha 8.1.3

4 UNDERWRITING CLASSIFICATIONS The Company underwriting classifications: Preferred Plus Nontobacco, Preferred Nontobacco, Standard Plus Nontobacco, Standard Nontobacco, Standard Plus Tobacco, Standard Tobacco users, plus the ability to insure applicants that may have a health impairment. (No Standard Plus or Preferred Plus on Term Life Complete) Nontobacco rates are available if the proposed insured has not used tobacco for the past 12 months. (All applicants aged 0 through 17 will be classified as nontobacco ). It is possible to be rated substandard and still qualify for the nontobacco premium. It is not possible to be rated substandard and qualify for Preferred Nontobacco rates. Mutual of Omaha 8.1.4

5 1 An occasional celebratory cigar is no more than 12 cigars per year 2 Limited scuba diving as a part of vacation or other occasional occurrence is acceptable if depth of dive does not exceed 100 feet 3 Some types of commercial aviation may be acceptable based on manual In addition to the criteria above, there must not be any other significant health problems. Final risk determination will be made by the United of Omaha Life Insurance Company home office underwriter. Mutual of Omaha 8.1.5

6 EXAMINATION GUIDELINES An exam by the applicant's personal physician will not be accepted unless prior clearance is obtained from the Home Office. An examiner who is related by blood or marriage to the agent, applicant or Proposed Insured or who has close business relations with them may not be used. Examinations are acceptable for a period of 120 days after which additional evidence of insurability may be necessary. Mailing United of Omaha Express United of Omaha Address: PO Box 2476 Address: 6 Life Underwriting Omaha, NE State Hwy 133 Blair, NE MEDICAL PROVIDER INFORMATION American Para Professionals (APPS) ExamOne Examination Management Services, Inc (EMSI) Hooper Holmes (Portomedic) Superior Mobile Medics Completed Paramed exams, EKGs and other tests ordered by a Wholesaler may be sent to that office by the paramedical company. APS's ordered by Wholesalers in connection with the Company business will be sent to their office. Please be sure to reference 6 Life Underwriting on all correspondence, mailings, Laboratory and Paramed orders. If Life Underwriting is not referenced, the information will be delayed getting to our area, thereby delaying the underwriting process. Obtain a printable copy of the Underwriting requirements at:: Shortcut to: Mutual of Omaha 8.1.6

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8 UNDERWRITING STATUS Communication between the underwriting department and the wholesaler is a vital link in the issuing of policies in a timely manner. a) We utilize electronic communications whenever possible to advise the wholesaler of the progress of the applications. b) All of our communications include our file numbers and we urge the wholesaler to identify correspondence to us by our file number to speed up processing. Life Brokerage Services utilizes IDN pending report, e mail, direct fax, Quick View, and Agency Works to send information on pending applications. a) At initial set up of formal business, ALL identified requirements that are received with the application are receipted on the Company s system; b) For trial applications, only application information is sent. This information is sent by e mail to the wholesaler. c) Requirements that the wholesaler indicate are outstanding are also entered on the system. If we require additional items, the wholesaler will receive a separate underwriting message via e mail or fax. d) We acknowledge the receipt of additional requirements on pending cases only via download, IDN pending report, Quick View, and Agency Works; no e mail or fax is routinely sent. e) Status questions or changes can be ed to statuslines@mutualofomaha.com, or call our toll free status line Formal applications that are not issued, we send a letter directly to the Proposed Insured and Owner (if different) and return any money received directly to the payor. The wholesaler will receive prior notification of any closeout via e mail or fax followed by a faxed copy of the letter being sent. Mutual of Omaha 8.1.8

9 POLICY ISSUE 1. Delivery of Policies All policies should be delivered immediately after they are received by the Producer, but not later than the Final Delivery Date shown on the Delivery Instructions page (included with the policy). If the Final Delivery Date has passed and the delivery is still desired, the Producer should contact the Company Wholesaler who will obtain instructions from the Home Office. A policy should not be delivered: a) Unless the first full premium has been obtained and all required forms and amendments, without alteration, have been signed and dated by the appropriate parties. b) If the Producer has knowledge of any change in the Proposed Insured's health or occupation since the date of the application. If a change in health or occupation has occurred or is suspected, the Company Wholesaler should be contacted immediately to obtain instructions from the Home Office. a) The policy should never be given to the applicant in such circumstances until the Wholesaler has contacted the Home Office. b) On Universal Life policies, a new illustration with the new mode should be submitted with the new full modal premium. A new policy will be generated with the new mode. On delivery of a policy, the premium mode may be changed by collecting the full premium for the new mode and remitting it to the Home Office. This mode change does not require return of the policy. c) Any other change must be handled in accordance with requirements of the Company. Mutual of Omaha 8.1.9