Benefit Classifications

With the likelihood of a fatal accident happening every 4 minutes*, Mutual of Omaha Insurance Company's Accidental Death Insurance policy makes sense to have. It's a simple solution that will certainly come in handy during an otherwise difficult time.

The following is a listing of our Benefit Classifications. This information will tell you exactly what your insurance covers. To see what is not covered, click here.

FACT -- In 2008, there were over 545 airline passenger fatalities worldwide.*

Air / Common Carrier
This includes accidents that occur in aircraft, buses, taxis, ferries and other common means of public transportation. This covers accidental death while riding as a ticketed passenger, not as a pilot or crewmember, on scheduled non-charter, certified airline flights. Also covers accidental death while a fare-paying passenger (not an operator or crewmember) on other common carriers licensed primarily for passenger service.

FACT -- Motor vehicle accidents claimed 35,500 lives in the United States in 2010.*

Auto / Pedestrian
This includes all accidents that occur when riding in, driving or being struck by a private passenger vehicle. You will be covered for accidental death while driving or riding in a private passenger automobile or as a pedestrian when hit by a motor vehicle ordinarily operated on public streets or highways.

FACT -- Home accidents have accounted for about 50% of the total number of fatal accidents.*

General Accidents

This includes falls, drowning, poisoning, electrocution and all other types of fatal accidents not covered by the specific provisions of the Common Carrier or Auto and Pedestrian accident coverage above or excluded under What is Not Covered here.

PLUS -- You will receive 24-hour-a-day coverage, 365 days a year for all of the above Benefit Classifications - whether you are at home, at work or at play!

* National Safety Council, Injury Facts 2012

** In CO, DE, IL, NJ, NH and RI: Spouse or Civil Union Partner; In OR: Spouse or Domestic Partner

What is Not Covered

This insurance covers accidental loss of life from injuries that are a direct result of an accident or trauma occurring when insured under the coverage while it is in force. Loss must be independent of sickness and all other causes (all other causes not applicable in Vermont; in California, Illinois, Montana and Nevada, sickness or bodily infirmity), except sickness caused by the injury (and terrorism, in Maryland). Benefits are payable only when a covered injury results in loss of life within 365 days after the injury date (no time limit in Pennsylvania).

This insurance does not cover loss resulting from: suicide, attempted suicide or intentionally self-inflicted injury while sane or insane (in Colorado and Missouri, while sane only; in New York and Pennsylvania, suicide, attempted suicide or intentionally self-inflicted injury); an act of declared or undeclared war (in Oklahoma, any war or act of war, declared or undeclared, while serving in the military forces or any attached auxiliary unit); injuries received while serving in the armed forces (in New Jersey, we will refund all premiums on a pro rata basis; in New York, loss sustained while serving in the military or armed forces - the unearned portion of the premium will be refunded with suspension of coverage for you, your spouse and dependent children allowed for up to five years of continuous active duty).

Benefits are also not payable for injuries received while (in Montana, voluntarily; in New York, loss resulting from an insured person being) under the influence of any controlled substance (narcotic, in Maryland), except narcotics given on the advice of a physician (not applicable in South Dakota, Tennessee, Vermont and Washington; in Connecticut, as defined in Title II of the Comprehensive Drug Abuse Prevention and Control Act of 1970, as now or hereafter amended, unless prescribed by a physician). In addition, injuries resulting from an insured person being (in Montana, voluntarily) intoxicated (as determined and defined by the laws of the jurisdiction in which the loss or cause of loss occurred; for the purposes of this exception, the laws governing the operation of motor vehicles while intoxicated will apply) are not covered (not applicable in Minnesota, Oklahoma, South Dakota, Tennessee, Vermont and Washington; in New York and South Carolina, loss resulting from an insured person's being intoxicated; in South Carolina, for the purposes of this exclusion, the laws governing the operation of motor vehicles while intoxicated will apply).

No benefits are payable for loss resulting from an insured person's commission or attempted commission (attempted commission not applicable in Georgia) of a felony or being engaged in an illegal (felonious in Connecticut) occupation; loss resulting from a moving vehicle accident occurring while an insured person is engaged in a contest of speed, organized or not (not applicable in Iowa, New Jersey, New York, Vermont, Virginia and Washington; in Minnesota, loss resulting from a moving vehicle accident occurring while an insured person is engaged in an organized contest of speed); loss resulting directly or indirectly (in California, Illinois, Montana and Nevada, directly) from disease or bodily infirmity or that occurs (in Maryland and New York, injuries that occur) while this coverage is not in force.

ACCIDENT ONLY

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 45%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy.

IMPORTANT NOTICE - THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

Additional Features

Renewal and Premium Guarantees

You will never be singled out for a rate increase. Your rates cannot be increased due to illness or injuries to a person insured. Rates can only be increased if they are changed for everyone of the same classification insured under this coverage in your state. Your coverage will never be cancelled as long as your premiums are paid on time. If you wish, you can cancel your coverage at any time. At age 80, this coverage terminates. Under the Family Plan, coverage ends for your insured spouse* and dependent children when you reach age 80, or on the date of your death, if before that. Your spouse*, if under age 80, can continue coverage by submitting a request to become the primary insured (request not required in Pennsylvania) and paying the premium within 60 days of the policy renewal date following the date your coverage ended (in Virginia, your spouse automatically becomes the primary insured upon your death). A person may be insured under only one insurance plan of this form at any one time.

Risk-free Right to Review Coverage

You have a risk-free right to review this insurance policy for a full 60 days (30 days in New York). If you change your mind for any reason, simply return your insurance plan within that period of time and Mutual of Omaha Insurance Company (Mutual of Omaha) will issue you a refund check for the full amount of your payment.

How Benefits Are Paid

Benefits payable in the event of your death are paid to your beneficiary or to your estate if no beneficiary is named or living. Family Plan spouse* or dependent child benefits are paid to you, if living, otherwise to your estate.

Eligibility of Coverage

Adults are eligible for coverage if ages 18 to 70 (18 to 64 in Minnesota). The Family Plan also insures your spouse* age 18 to 80, (18 through 64 in Minnesota) and all unmarried dependent children under the age of 21 (19 in New Jersey, 22 in North Dakota, 24 in Indiana, 25 in Minnesota, 25 in Texas, 25 in Washington, 26 in Utah, 30 in Illinois if a member of the Armed Forces of the US, 26 in Connecticut if not covered in a group plan through their own employment and a resident of CT, 25 in Missouri if not covered under any health insurance policy or under a federal or state government program and a resident of MO, 28 in Ohio if resident), or under age 25 (age 19 in Connecticut, 24 in Louisiana, 26 in North Dakota and Illinois, no age limit in Texas, up to and including age 25 in Georgia if a resident, 24 in Delaware and 26 in New Hampshire if no dependents and resident or full-time student with no coverage from any other group or individual plan, 28 in OH if a resident and not employed by an employer that offers any health plan and not eligible for Medicaid or Medicare) if a full-time student at an accredited educational institution. Those insured may have no other Accidental Death Insurance with Mutual of Omaha.

* In CO, DE, IL, NJ, NH and RI: Spouse or Civil Union Partner; In OR: Spouse or Domestic Partner

Underwritten by Mutual of Omaha Insurance Company
Mutual of Omaha Plaza
Omaha, NE 68175.
Master Policy Form M40AD-20438, Certificate Form C42AD-20489 or Policy
Form E42AD-20348 (20390 in NC, 20393 in OK, 20472 in PA
20421 in TX, 20444 in WA, and Form E45AD-20387 in NY) or state equivalent.
Riders: Form 0LH5M-12, 0LD5M-26, 00J9M 2nd Rev. ONX2M (TX)

Mutual of Omaha Insurance Company is licensed in all 50 states and the District of Columbia.

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