United of Omaha Life Insurance Company. A Mutual of Omaha Company. Living Care Annuity AGENT GUIDE L7734
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1 United of Omaha Life Insurance Company A Mutual of Omaha Company Living Care Annuity AGENT GUIDE L7734
2 Table of Contents Contract Highlights...2 Optional Endorsements...4 Application Process...5 Underwriting...11 Rates...17 Glossary
3 Contract Highlights Application Process If any question is answered yes, the applicant will not be eligible for Living Care Annuity. Interest Rate Guaranteed Contract Premiums Issue Ages Security Free-Look Period Death Benefit Access to Account Value Withdrawal Charges Year % Waiver of Withdrawal Charges Chronically Ill Terminal Illnesses Annuitization 2
4 Cost for the Long-Term Care Rider Monthly Charge Age as a Percent of Annuity Value Age Monthly Charge as a Percent of Annuity Value Monthly Charge Age as a Percent of Annuity Value Age Monthly Charge as a Percent of Annuity Value Taxation Coverage Eligibility Date Long-Term Care Benefits Elimination Period Daily Benefit Annuity Sample Value: Maximum Daily Benefit: Maximum Lifetime Benefit: Important: This is a general description of the Living Care Annuity. It does not include all terms, conditions, rules, and/or exclusions. Please read the Living Care Annuity contract and refer to the outline of coverage for complete details. 3
5 Optional Endorsements Inflation Protection Endorsement Increases in benefits will not be determined by the actual amount of future inflation. The actual increases in benefits under the long-term care insurance rider may be greater or less than the amount of inflation. Remember, on the application in Section F: Longterm Care Rider Benefits, check yes or no for 5% Compound Inflation Protection. Please see the Outline of Coverage for a full description of this optional benefit. Nonforfeiture Benefit Shortened Benefit Period Endorsement Remember, on the application in Section F: Longterm Care Rider Benefits, check yes or no for Nonforfeiture Benefit. Please see the Outline of Coverage for a full description of this optional benefit. 4
6 Application Process How to Submit Business In most cases, new business will be underwritten and issued within 5 business days. Application Checklist Submit the fully completed application and applicable completed forms. Unanswered questions on the application or missing or incomplete forms will result in underwriting delays as United of Omaha attempts to secure this information. NOTE: If a question does not apply to your client, answer it as No or None rather than N/A. Application Checklist Health Interview Reference Number Section A: General Information Section B: Beneficiary Information Section C: Contract Information Section D: Health Insurability Questions If the applicant answers Yes to any question in Section D, he/she is ineligible for coverage. Do not submit the application. Section E: Other Coverage and Replacement Information Section F: Long-Term Care Rider Benefits Section G: Please Read and Sign Administrative Forms General Forms 5
7 Annuity Forms Long-Term Care Forms 6
8 Sample Application Health Interview Reference Number Section A: General Information send in the first page and all other questions in this Section B: Beneficiary Information Section C: Contract Information 7
9 8 Section D: Health Insurability Questions
10 Section E: Other Coverage and Replacement Information Section F: Long-Term Care Rider Benefits Section G: Please Read and Sign Annuitant read the entire section 9
11 Suitability 1035 Exchanges Although the exchange is easy to transact, it is important that a few rules are followed to assure that the exchange qualifies as a tax-free exchange under Internal Revenue Code Section 1035(a). 10
12 Underwriting Living Care Annuity Important Tips Steps for Scheduling and Completing the Health Interview Health Interview Order Inform the health interviewer if the client has any hearing problems or if he/she needs an interpreter for a language other than English. Important: After Hours Scheduling of the Health Interview Build Chart Height Weight Min Weight Max 5'0" 5'1" 5'2" 5'3" 5'4" 5'5" 5'6" 5'7" 5'8" 5'9" 5'10" 5'11" 6'0" 6'1" 6'2" 6'3" 6'4" 6'5" 6'6" 11
13 Uninsurable Health Conditions A Acoustic Neuroma Acromegaly Activities of Daily Living (ADL) Adult Day Care Agoraphobia AIDS/ARC Alcohol Alcohol Alcoholic Neuropathy Alcoholism Alcoholism Alpha-1 Antitrypsin Deficiency Alzheimer s Disease Amputation Amputation Amaurosis Fugax Amaurosis Fugax Amyotrophic Lateral Sclerosis (ALS) Aneurysm Amnesia Anxiety Anxiety Arrhythmia Arthritis Asbestosis Assisted Living Facility Avascular Necrosis Ataxia Automatic Implantable Cardiac Defibrillator (AICD) Back or Spine Balance disorder Bladder Incontinence Bone Marrow Transplant Bowel Incontinence C Cancer Cardiomyopathy Cerebral Aneurysm Cerebral Palsy Cerebral Vascular Accident (CVA) Chair lift Chronic Bronchitis Chronic Fatigue Syndrome Chronic Hepatitis Chronic Obstructive Pulmonary Disease (COPD) Chronic Organic Brain Syndrome Cirrhosis Congestive Heart Failure (CHF) Congestive Heart Failure (CHF) Confusion Creutzfeldt-Jakob Disease Cystic Fibrosis Declined for LTC insurance Degenerative Neurological Disorder Defibrillator Dementia Depression Depression Denied Reinstatement for LTC insurance 12
14 Diabetes Dialysis Difficulty Walking Disabled Dizziness Down s Syndrome Drug Abuse Electric powered nebulizer Emphysema F Fainting Falls Fatigue Fibromyalgia Forgetfulness Handicap Heart Transplant Hemiplegia Hemophilia HIV Home Health Care Huntington s Chorea Hydrocephalus I Immune Deficiency Instrumental Activities of Daily Living (IADL) K Kidney Dialysis Kidney Disease Kidney Failure Kidney Transplant Liver Transplant Lung Transplant Lupus M Medicaid Recipient Memory Loss Mental Retardation Mini Stroke Mobility Impairment Motorized Scooter Multiple Myeloma Multiple Sclerosis Multi-pronged Cane Muscular Dystrophy Myasthenia Gravis Myelodysplasia Nebulizer Nervous or Mental Disorder Nervous or Mental Disorder Neurogenic Bowel or Bladder Neuropathy Nursing Home Obesity Organ Transplant Organic Brain Syndrome Osteoporosis Oxygen 13
15 Pancreas Transplant Pancreatitis Paralysis Paraplegia Parkinson s Disease Peripheral Neuropathy Peripheral Vascular Disease Pick s Disease Polymyalgia Rheumatica Post Polio Syndrome Primary Biliary Cirrhosis Progressive Neurological Disorder Progressive Supranuclear Palsy Psychiatric Facility Psychosis Pulmonary Fibrosis Pulmonary Hypertension Q Quad Cane Quadriplegia Reflex Sympathetic Dystrophy Residential Care Facility Sarcoidosis Schizophrenia Scleroderma Social Withdrawal Stair lift Stool Incontinence Stroke Stroke Stroke Surgery Systemic Lupus (SLE) T Transient Global Amnesia Transient Ischemic Attack (TIA) Transient Ischemic Attack (TIA) Transient Ischemic Attack (TIA) U Underweight Urinary Incontinence W Walker Weakness Weight loss Wheelchair 14
16 Uninsurable Medications 15
17 16
18 Rates annuity value single annuity premium Monthly Charges as % of Account Value Issue Age LTC Inflation Protection Shortened Benefit Issue Age LTC Inflation Protection Shortened Benefit
19 Glossary 18 Activities of Daily Living Bathing Dressing Toileting Transferring Continence Eating Adult Day Care Adult Day Care Center Alzheimer s Facility Ancillary Services Annuitant Annuity Contract Assisted Living Facility Care Coordination Care Coordination Services Provider Care Coordinator Chronically Ill two Confinement, confined Eligibility for the Payment of Benefits Covered Services
20 Elimination Period Family Member Home Home Health Care Home Health Care Agency Homemaker Services Hospice Care Inflation Protection Payment Licensed Health Care Practitioner Maintenance or Personal Care Services Maximum Daily Benefit Maximum Lifetime Benefit Monthly Deduction Nursing Home Owner Physician Plan of Care 19
21 Qualified Long-term Care Services Respite Care Rider Severe Cognitive Impairment Substantial Assistance Hands-on Assistance Standby Assistance Substantial Supervision Notes 20
22 Underwritten by: United of Omaha Life Insurance Company Home Office: Mutual of Omaha Plaza Omaha, NE mutualofomaha.com
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