United of Omaha

This company carries simplified issue porducts.

Rating

A+

Issue Ages

45-85 ALB

Face Amounts

$2,000-$40,000

Application Submissions

Paper, voice, & electronic options

E & O

Not Required

Products

Highlights

United of Omaha offers competitive commissions with premium rates, ensuring agents are duly compensated for their efforts. Additionally, their level renewal commissions extend from years 2 to 10, with lifetime renewals beyond year 11. They provide graded benefit plans under level pay options, catering to diverse coverage needs. Simplified underwriting processes streamline the application process, eliminating the need for point-of-sale phone interviews and medical exams. Moreover, their premiums remain constant over time, with benefits that never decrease. Clients benefit from coverage that cannot be canceled as long as premiums are consistently paid, ensuring long-term security and peace of mind.

Level Benefit

This plans offers comprehensive coverage with a death benefit of 100%, catering to individuals aged 45 to 85. Face amounts range from $2,000 to $40,000, ensuring flexibility and adequacy in coverage. Underwriting classes include Standard Tobacco/Non-tobacco, with requirements including MIB, Pharmaceutical Check, and Random Phone Interviews to streamline the application process. Additionally, an Accelerated Death Benefit for Terminal Illness or Nursing Home Confinement is included at no extra cost, providing added financial security during critical times. Clients have the option to include an Accidental Death Benefit Rider for enhanced coverage against unforeseen events.

Graded Benefit

This plan offers tailored coverage for individuals aged 45 to 80, providing face amounts ranging from $2,000 to $20,000. Under the Standard underwriting class, with no tobacco distinction, applicants undergo thorough evaluation through MIB, Pharmaceutical Check, and Random Phone Interviews to ensure suitability. Please note that product base plans, provisions, features, and riders may vary by state and may not be available in all states. Variations are subject to state regulations and requirements.