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usiness Office 3110 E Medicine Lake Blvd Plymouth, MN 55441 ]'JT!!763-545-0079 [email protected] ! United of Omaha Life Insurance Company term life and ad&d insurance Life insurance is the easy answer to a difficult question: How will those left behind manage financially when someone they love dies? It’s a question no one really wants to think about, but is not one to avoid. Life insurance isn’t for people who die, it’s for the loved ones they leave behind. It’s easy to understand the need for life insurance. As an important part of an employee’s benefits package, term life insurance can provide financial security through some of life’s most difficult transitions. Consider the alternative. Without it, the death of a wage earner could cause financial ruin for an employee and their loved ones who may live paycheck to paycheck. Life insurance can be used to pay medical and funeral bills, replace lost income, pay off a mortgage and other debts, or fund college expenses. With our term life insurance, employers can offer a life insurance benefit with a range of options that will attract and retain the best employees. Whether married or single, a parent or homeowner, our plans can meet an employee’s need to protect their loved ones. At Mutual of Omaha, we strive to handle all our interactions with fairness, integrity and the best interests of our customers in mind. These are the values that have made us a trusted brand for nearly 100 years. To find out how we can design a solution that meets your needs, contact your local employee benefit professional from Mutual of Omaha. Benefits thatwork ® MUGC8698_0609 Most Americans have worked hard to establish a solid financial framework – home equity, a savings plan, retirement accounts – and life insurance is the foundation upon which it all rests. Comprehensive Plan Features Employee-Paid Voluntary Benefits Our professionals can help design the best plan to Employees select the coverage they want and fit a company’s culture, budget and needs. pay premiums through payroll deduction. N Liberal benefit maximums and guarantee Employer-Based Benefits issue amounts Employers pay 100 percent of premium or share N Portability the cost with employees. N Conversion options N Dependent coverage Comprehensive Enrollment Support N Living care benefit To make enrollment easy, we’ve built tools that: N N Waiver of premium Educate employees about the need for life insurance N AD&D N N Annual benefit increases Increase plan participation with personalized enrollment forms Value-Added Work-Life Services N Provide online enrollment options To help employees manage work-life issues, we offer: N Include access to bilingual enrollment support N Employee Assistance Program – choice of N Offer pre-enrollment communications plans to help maintain a productive work force N Section 125 – allows employees to pay premiums on a pre-tax basis To learn more about Mutual of Omaha, visit mutualofomaha.com/gibrokers N Travel Assistance – provides employees with help during emergencies away from home N Family and Medical Leave Act (FMLA) – through a strategic alliance with FMLASource®, provides FMLA administrative services This insurance plan overview is not intended to provide a complete description of coverage. Benefits may not be available in all states. Not all features apply to voluntary products. Some exclusions, limitations and reductions may apply. Please contact your Mutual of Omaha representative for specific product details and policy provisions. Term life and accidental death and dismemberment insurance is underwritten by United of Omaha Life Insurance Company, Mutual of Omaha Plaza, Omaha, NE 68175. United of Omaha Life Insurance Company is licensed in every state except New York. Policy Form Number: 7000GM-U-EZ 2001, 7000GM-U-EZ 2001 NC or state equivalent. _____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ For Employees of Association of Free Lutheran Congregations ELIGIBILITY – ALL ELIGIBLE EMPLOYEES You must be actively at work (able to perform all normal duties of your job) to be Employee Eligibility eligible for coverage. Minimum Work Hours You must be working a minimum of 32 hours per week to be eligible for coverage. Required Coverage Payment Your employer pays 100% of the premium for this coverage. GUARANTEE ISSUE AMOUNT(S) All benefit amounts outlined below are Guarantee Issue. No evidence of insurability is required. Note: Subject to any reductions shown below, guarantee issue means the amount of insurance applied for which does not require evidence of insurability. Coverage amounts over the Guarantee Issue Amount will require a health application/evidence of insurability. BENEFITS For You: $50,000 Life Insurance Benefit Amount Note: In the event of death, the benefit paid will equal the benefit amount after any age reductions less any living care/accelerated death benefits previously paid under this plan. Accidental Death & For You: The Principal Sum amount is equal to the amount of your life insurance Dismemberment AD&D Benefit benefit. Amount FEATURES Living Care/Accelerated Death 50% of the amount of the life insurance benefit is available to you if terminally ill, Benefit but not to exceed $100,000. If it is determined that you are totally disabled, your life insurance benefit will Waiver of Premium continue without payment of premium, subject to certain conditions. The Travel Assistance program is an added benefit that provides assistance for your Travel Assistance travels over 100 miles from home or outside the country. If your employment ends, you may apply for an individual life insurance policy from Conversion Mutual of Omaha without evidence of insurability (information about your health). You will be responsible for the premium for the coverage. Note: Additional information about the benefits and features of this plan will be included in the summary of coverage, which you will receive after enrolling, and in the certificate booklet, available from your employer. Please contact your employer if you have questions prior to enrolling. AGE REDUCTIONS Your life insurance benefits are subject to age reductions, which typically begin around age 65. Additional information will be included in the summary of coverage, which you will receive after enrolling. Please contact your employer if you have questions prior to enrolling. Coverage terminates at retirement. ADDITIONAL ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) INFORMATION AD&D BENEFIT SCHEDULE The AD&D Benefit is paid if an employee (or dependent, if covered) is injured as a result of an accident, and that injury is independent of sickness and all other causes. Benefits are paid as indicated below: Loss Benefit Life Both hands, both feet or entire sight of both eyes One hand and one foot Principal Sum