Mutual of Omaha Instant Life Insurance QuoteState:AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDist.ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNY Non-BusNY BusinessNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingGuamPuerto RicoVirgin IslandsAmer. SamoaBirthdate:JanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecember 12345678910111213141516171819202122232425262728293031 191019111912191319141915191619171918191919201921192219231924192519261927192819291930193119321933193419351936193719381939194019411942194319441945194619471948194919501951195219531954195519561957195819591960196119621963196419651966196719681969197019711972197319741975197619771978197919801981198219831984198519861987198819891990199119921993199419951996199719981999200020012002200320042005200620072008Gender:MaleFemaleSmoker/Tobacco:NoYesHealth Class:Preferred PlusPreferredRegular PlusRegularType of Insurance:1 Year Level Term5 Year Level Term10 Year Level Term15 Year Level Term20 Year Level Term25 Year Level Term30 Year Level Term35 Year Level Term40 Year Level TermTo Age 65 LevelTo Age 70 LevelTo Age 75 LevelTo Age 80 LevelTo Age 85 LevelTo Age 90 LevelTo Age 95 LevelTo Age 100 LevelTo Age 105 LevelTo Age 110 LevelOther Term10, 20, 30 Year TermAll Level Term Product Categories10 Year Return of Premium15 Year Return of Premium20 Year Return of Premium25 Year Return of Premium30 Year Return of PremiumTo age 65 Return of PremiumTo age 70 Return of PremiumTo age 75 Return of PremiumOther Return of Premium15, 20, 30 Year with ROPReturn of Premium ProductsTo Age 121 Level (No Lapse U/L)To Age 121 Level – Pay to 100To Age 121 Level – Pay to 65To Age 121 Level – 20 PayTo Age 121 Level – 10 PayTo Age 121 Level – Single PayFace Amount:$10,000$25,000$50,000$75,000$100,000$125,000$150,000$175,000$200,000$225,000$250,000$300,000$350,000$400,000$450,000$500,000$550,000$600,000$650,000$700,000$750,000$800,000$900,000$1,000,000$1,100,000$1,250,000$1,500,000$1,750,000$2,000,000$2,500,000$3,000,000$4,000,000$5,000,000$6,000,000$7,000,000$8,000,000$9,000,000$10,000,000Your Name:Phone Number:E-mail Address:Mutual of Omaha Insurance Company was chartered in 1909 and offers a diversified line of individual and group health and accident insurance products nationwide. A mutual company, its subsidiaries include: United of Omaha Life Insurance Company was founded in 1926 and offers a diversified portfolio of life insurance, fixed annuities and other insurance and financial services products through Mutual of Omahaâ€™s agency sales force, group sales offices and independent agent networks. It is licensed nationwide except for New York. Companion Life Insurance Company of Hauppauge, NY, offers a full line of individual life, annuity and group life insurance plans to residents of New York, and underwrites special risks coverages in New York. It was founded in 1949. United World Life Insurance Company offers specialty life plans and health and accident coverage through direct marketing, Mutual of Omahaâ€™s agency sales force and independent agent networks. Founded in 1983, it is licensed nationwide except Connecticut and New York. Mutual of Omaha Investor Services, Inc., is a registered broker-dealer that provides mutual funds directly to consumers through Mutual of Omahaâ€™s agency sales force and Retirement Plans Division. Omaha Financial Holdings, Inc., is a holding company for Mutual of Omahaâ€™s banking operations. Retirement Marketing Solutions, Inc., is a national wholesaling organization specializing in retirement products. Continuum Worldwide Corporation is a leading provider of Operational Risk Management services and consulting.Mutual Of Omaha: Strong. Stable. Secure.It has become known as the â€œFinancial Crisisâ€ and the â€œGreat Recession,â€and it has shaken confidence in the strength and stability of our financialsystem. Thereâ€™s no doubt that the world is much more financiallycomplicated than it used to be. Now, more than ever, people need moreinformation about the companies they do business with. How strongare they? Will those companies be there when it comes time to pay thepromised benefits?We want to address your questions about our financial condition in astraightforward, objective and understandable way.As Mutual of Omaha Insurance Company begins its second century inbusiness, you can count on us for the strength, stability and security thatâ€™seven more important in these uncertain times. We look forward to workingwith you for years to come.By Our Policyholders, For Our PolicyholdersAs a mutual company, owned by its policyholders, Mutual of OmahaInsurance Company is not driven by the short-term thinking and focus onquarterly results that often characterize publicly traded companies. Whilethere are benefits to both forms of organization, our mutual structureallows the company to ensure that every investment it makes is donewith the long-term benefit of our policyholders in mind. In addition, ourfinancial strength and ability to operate and grow is not strongly tied tothe ups and downs of the investment markets.When the bubble burst, many businesses found themselves in a capital crisis. This erosion of capital, due largely to market declines and losses on risky investments, contributed to the financial crisis. The capital position of Mutual of Omaha Insurance Company and its insurance subsidiaries (Mutual of Omaha) is quite strong. Thanks to our disciplined balance sheet management and investment strategy as well as our prudent business philosophy, we have avoided drains on our capital. We said, â€œNo, thank you,â€ to federal bailout monies â€“ we simply did not need it to maintain our financial strength and keep our promises to our customers. As of Dec. 31, 2009, Mutual of Omaha had more than $2.2 billion in statutory surplus, a key measure of an insurerâ€™s capital strength. That $2.2 billion represents financial security for our policyholders and ensures we will have the ability to not just survive, but to thrive in these difficult times.Mutual of Omahaâ€™s liquidity position is solid. This is important in tumultuous times with unpredictable markets. Ensuring the ready availability of funds to meet our obligations and run our business is an important facet of our operating philosophy. Our investments alone generate more than $1.5 billion in cash flow each year. If necessary, we also have access to committed bank lines of credit. Further, Mutual of Omaha Insurance Company is a stockholder in the Federal Home Loan Bank of Topeka and has access to funds from that bank. This provides assurance that, even in challenging times, Mutual of Omaha will be there to keep its promises.Statutory surplus represents additional funds available to meet current and future obligations to policyholders, and is an important indicator of an insurerâ€™s financial strength. With $2.2 billion as of Dec. 31, 2009, Mutual of Omahaâ€™s statutory surplus is very strong.Very Limited Subprime Exposure The root cause of the current financial crisis will be widely debated for years to come. However, most of us first recognized the problem when the subprime mortgage market began to crumble. Mutual of Omaha has less than 1 percent of its total adjusted capital exposed to subprime collateral. All of these investments have some form of credit protection and virtually all were purchased prior to 2005, when mortgage underwriting standards were more rigid. High Quality Bond Portfolio Most of Mutual of Omahaâ€™s portfolio is invested in bonds. Mutual of Omahaâ€™s bond portfolio is very strong, with nearly 94 percent rated as highest or high quality by the National Association of Insurance Commissioners (NAIC). We emphasize investments in those asset classes that can most effectively fund our insurance products while providing adequate risk-adjusted returns. Limited Equity Market Exposure Recent dramatic swings in the stock market have challenged all investors. Mutual of Omaha has limited exposure to the public equity markets. As a result, the volatility that has characterized the stock market since the financial crisis hit has not had a material impact on our financial position.Objective, third-party assessments offer a valuable perspective on a companyâ€™s financial strength. The leading rating agencies validate and reinforce Mutual of Omahaâ€™s financial strength. We have consistently earned and maintained high marks from rating agencies like A.M. Best, Standard & Poorâ€™s and Moodyâ€™s Investors Service. Throughout the financial crisis, Mutual of Omahaâ€™s financial strength ratings remained unchanged. In early 2010, Moodyâ€™s Investors Service affirmed Mutual of Omaha Insurance Companyâ€™s Aa3 (Excellent) rating and A.M. Best affirmed its A+ (Superior) rating. As Forbes noted in its Oct. 13, 2008, issue, A+ and better companies are best positioned to weather financial storms. The magazine even listed Mutual of Omaha as one of five â€œwise policiesâ€ due to our strong balance sheet and high rating. Another broadly accepted third-party assessment of a companyâ€™s financial strength is the Comdex ranking, which compares a companyâ€™s ratings relative to all companies that have been rated by at least two of the major rating services. Mutual of Omahaâ€™s Comdex ranking is 96 out of 100, meaning that we rank above 96 percent of all companies rated in the insurance industry.For a century â€“ through recessions and a Great Depression, through two World Wars, through the Roaring â€™20s, Psychedelic â€™60s and Go-Go â€™80s â€“ Mutual of Omaha has been there to keep our promises to our customers. That will not change. Today, as the nation grapples with new financial realities, Mutual of Omaha is strong, stable, secure and ready to meet your insurance and financial needs. 5 Ratings as of 3-15-10 Highly Rated Objective, third-party assessments offer a valuable perspective on a companyâ€™s financial strength. The leading rating agencies validate and reinforce Mutual of Omahaâ€™s financial strength. We have consistently earned and maintained high marks from rating agencies like A.M. Best, Standard & Poorâ€™s and Moodyâ€™s Investors Service. Throughout the financial crisis, Mutual of Omahaâ€™s financial strength ratings remained unchanged. In early 2010, Moodyâ€™s Investors Service affirmed Mutual of Omaha Insurance Companyâ€™s Aa3 (Excellent) rating and A.M. Best affirmed its A+ (Superior) rating. As Forbes noted in its Oct. 13, 2008, issue, A+ and better companies are best positioned to weather financial storms. The magazine even listed Mutual of Omaha as one of five â€œwise policiesâ€ due to our strong balance sheet and high rating. Another broadly accepted third-party assessment of a companyâ€™s financial strength is the Comdex ranking, which compares a companyâ€™s ratings relative to all companies that have been rated by at least two of the major rating services. Mutual of Omahaâ€™s Comdex ranking is 96 out of 100, meaning that we rank above 96 percent of all companies rated in the insurance industry. Standard & Poorâ€™s For financial strength to meet obligations to policyholders A.M. Best Company For overall financial strength and ability to meet ongoing obligations to policyholders Moodyâ€™s Investors Service For current financial strength and ability to withstand financial stress in the future AA- (Very Strong) This rating is fourth highest of 21Life Insurance Protect your family from the financial risk associated with death or build wealth to achieve your financial goals. Medicare Supplement Insurance Reduce out-of-pocket health care expenses with competitively priced products that work with Medicare plans. Annuities Accumulate savings and assets or convert into guaranteed income payments for retirement. Long-Term Care Insurance Preserve assets and receive quality care with coverage for home health care, assisted living facilities and nursing homes. Income Protection Insurance Protect your most valuable asset â€“ your income â€“ with short-term, long-term and accident disability insurance. Supplemental Health Insurance Protection from lifeâ€™s unforeseen events through critical illness, accidental death and cancer insurance. Investment Products Registered representatives can help you invest wisely toward your financial goals.Life Insurance Protect your employees and their families from the financial risk associated with death. Disability Insurance Protect employeesâ€™ incomes in the event of a disabling accident or illness. Dental Insurance Offer your employees comprehensive, affordable coverage backed by a large network. Voluntary Products Provide a comprehensive benefits package with voluntary benefits employees can purchase through payroll deduction. Retirement Services Products Choose from turnkey employer solutions, with fiduciary support and individually managed account options to protect plan sponsors and help employees save for a financially secure future. Retirement Income Products A range of options designed to provide employees and individuals with a steady stream of retirement income. Institutional Investment Products Preserve capital with fixed-income investment products, including funding agreements and guaranteed investment contracts. Special Markets Special products for specialized needs, including Stop-Loss for Third Party Administrators and Youth Activities/Sports Accident coverage.