Critical Illness Insurance

Critical Illness InsuranceThe coverage that pays you for living

AFN30148_0903

Critical Illness policy/certificate CI/CI1/CCI/CCI1 (in ID, CI-20145/CI1-20146; in OR, CI-19913/CI1-19914; in TX, CI-19753/CI1-19754) or state equivalent. This is a limited benefit health policy/certificate.

Exclusions, limitations and reductions apply. Rates and availability may vary by state.

Critical Illness Insurance

Due to medical advancements• People live longer

• Average Life Expectancy1

• 1901 - 47.3 years

• 2001 - 77.2 years

1 National Center for Health Statistics, 2002

Critical Illness Insurance

Due to medical advancements• More critical illnesses are diagnosed in the

United States• More than 1.3 million new cancer cases are

expected to be diagnosed in 20031

• Every 29 seconds someone suffers a coronary event2

• Every 45 seconds someone suffers a stroke2

1 2003 Cancer Facts & Figures, American Cancer Society

2 Heart Disease & Stroke Statistics - 2003 Update; American Heart Association

Critical Illness Insurance

Due to medical advancements• Also consider your lifestyle

• Today, we• Eat a lot of fast food

• Drink more

• Smoke more

• Work more

• Rush around

This all adds up to more stress!

Critical Illness Insurance

Due to medical advancements• People survive more critical illnesses

• The 5-year relative survival rate for all cancers combined is 62%1

• The 1-year heart attack survival rate is 75%2

• The 1-year stroke survival rate is 78%2

1 2003 Cancer Facts & Figures, American Cancer Society

2 Heart Disease & Stroke Statistics - 2003 Update; American Heart Association

Critical Illness Insurance

Due to medical advancements• Survival has a price

• Costs like:• Loss of income

• Home modifications

• Experimental treatment

• Child care, housekeeping and other domestic assistance

• Transportation and lodging for family members and loved ones during treatment

Critical Illness Insurance

Critical Illness insurance

meets a need not met by

traditional products…the

price of survival.

Critical Illness Insurance

What is Critical Illness

Insurance?

Critical Illness Insurance

What is Critical Illness Insurance?• Developed by Dr. Marius Barnard in 1983

• Critical Illness provides you with a tax-free1 lump-sum cash benefit when you’re diagnosed2 with one of the covered conditions providing you

Financial independence when you need it most

1 According to current tax laws. Consult your tax advisor.

2 As defined by the policy/certificate. Exclusions and limitations apply.

Critical Illness Insurance

How do I use the cash benefit payment?• Critical Illness insurance is all about personal

choice…you may use the cash benefit payment on

Anything you wish

Critical Illness Insurance

You may be thinking

“I already have health and

disability insurance, so why

do I need this?”

Critical Illness Insurance

Traditional insurance won’t cover all the expenses related to a critical illness• Medical Insurance

• Pays for doctor visits and prescription drugs

• Disability Insurance• Pays a portion of income during a period of

covered disability

• Life Insurance• Pays a beneficiary upon death

Critical Illness Insurance

Who do you know who’s had:• …cancer

• …a heart attack

• …a stroke

Who planned to be on that list?

Critical Illness Insurance

Now think about what a difference

a cash payment of $25,000,

$100,000 or more would have

made to each person when their

condition was diagnosed.What difference would it make in your life?

Critical Illness Insurance

What events may impact or change your life?

Event Are you Insured?

Stolen vehicle _______________

Home fire _______________

Home flood _______________

Death _______________

Diagnosis of heart attack or cancer _______________

Critical Illness Insurance

It’s not someone else.A Critical Illness Survivor’s Story

Critical Illness Insurance

Critical Illness Insurance

from Mutual of Omaha

Insurance Company

Critical Illness Insurance

Mutual of Omaha’s Critical Illness Insurance• Pays 100% of your maximum benefit amount

when you’re diagnosed1 with:• Life-Threatening Cancer

• Heart Attack

• Stroke

• Alzheimer’s Disease

• Major Organ Transplant - when registered with United Network of Organ Sharing (UNOS)

• Multiple Sclerosis

• Paralysis

• Renal (kidney) failure

• Blindness

• Deafness

1 As defined by the policy/certificate

Critical Illness Insurance

Mutual of Omaha’s Critical Illness Insurance• Pays 25% of your maximum benefit amount

when you’re diagnosed1 with:• First Carcinoma in Situ

• First Coronary Angioplasty

• First Coronary Bypass Surgery

1 As defined by the policy/certificate

Critical Illness Insurance

If 25% of policy benefit

amount is paid, your policy

still continues at a 75%

benefit amount - with a 25%

premium reduction

Critical Illness Insurance

Return of Premium Feature1

• You’ll receive the lump-sum benefit upon diagnosis, or if you die while this coverage is in force, your beneficiary or your estate will receive either:• All paid premiums less benefits received; or

• Nothing, if the benefits paid are equal to or greater than the premiums paid

1 As defined by the policy/certificate. Not available in Florida.

Critical Illness Insurance

Return of Premium Feature1

• In Georgia, if you die while this coverage is in force, your beneficiary or your estate will receive an amount equal to or less of:• Return of premium; or

• The maximum benefit amount in force at the time of death

1 As defined by the policy

Critical Illness Insurance

Reduction of Benefits• The maximum benefit amount will be reduced

by 50% at age 65 or 5 years after the issue date if the insured is age 60 or older at policy/certificate issue

• If the policy/certificate or certain riders pay a portion of the maximum benefit amount, your maximum benefit amount and premium will be reduced accordingly

Critical Illness Insurance

Questions?

Critical Illness Insurance

Underwritten By:

Mutual of Omaha Insurance Company

Mutual of Omaha Plaza

Omaha, NE 68175

mutualofomaha.com

Critical Illness policy/certificate CI/CI1/CCI/CCI1 (in ID, CI-20145/CI1-20146; in OR, CI-19913/CI1-19914; in TX, CI-19753/CI1-19754) or state equivalent. This is a limited benefit health policy/certificate. Exclusions, limitations and reductions apply. Rates and availability may

vary by state.