Life Insurance No Medical Exam

Product Features

Term Life Express

• Issue ages: 18-65 years
• Face amounts: $25,000 to $300,000, ages 18-50; $25,000 to $250,000, ages 51-65
• No medical exam life insurance; medical records may be requested
• Standard non-tobacco and Standard tobacco health classes
• Term periods: 10, 15, 20, and 30 years
• Automatically included riders: terminal illness, chronic illness, and critical illness, residential damage, waiver of premium for unemployment, common carrier death benefit provision
• Application can be completed by phone in 20-25 minutes
• A policy with a 5-year premium guarantee is available, but we do not sell it — we only sell the policies that are guaranteed level for the full term
• Policies typically take 1-10 days to issue

Included Benefits

Chronic Illness Rider

Provides an accelerated death benefit if the insured is certified by a physician within the last 12 months as unable to perform 2 of 6 activities of daily living for 90 consecutive days, or requires substantial supervision to protect himself or herself from threats to health and safety as the result of severe cognitive impairment.

Terminal Illness Rider

Provides an accelerated death benefit if the insured provides evidence that his or her life expectancy is 12 months or less.

Critical Illness Rider

Provides an accelerated death benefit if the insured has been certified by a physician as having one or more of the following conditions within the last 12 months: ALS, kidney failure, life-threatening cancer, major organ failure, heart attack, or stroke.

Residential Damage Rider

If the insured’s primary residence sustains damage valued at $25,000 or more, the premium of the base policy and all riders are waived for a 6-month period.

Waiver of Premium for Unemployment Rider

In the event of qualifying unemployment, United of Omaha waives the premium for the base plan and all riders for a 6-month period.

Common Carrier Death Benefit Provision

If the insured dies in an accident while he or she is a fare-paying passenger on a common carrier (e.g., airplane, train, or bus), this rider provides an additional death benefit equal to 100 percent of the original face amount or $250,000, whichever is less.

Optional Benefits

Disability Income Rider

With this rider, the insured can apply (at issue) for a maximum monthly disability income benefit equal to the lesser of:

• 1.5 percent of the face amount at issue, or
• $3,000 per month, or
• 60 percent of his or her monthly gross income

The insured can apply for either an 18- or 30-month benefit. The monthly income amount and the benefit period cannot be changed after issue. The elimination period is 90 days.*
* In Maryland, there’s a 120-day elimination period.
Availability may vary by product.

Disability Waiver of Premium Rider

If the insured becomes disabled and is unable to work, the premium for the base policy and all riders is waived through the level period. The elimination period is 90 days.** This benefit continues as long as the insured is disabled. If the insured does not become disabled prior to the earlier of the end of the level period or age 60, the benefit is no longer available.
**In Maryland, there’s a 120-day elimination period.

Accidental Death Benefit (ADB) Rider

This rider can only be added at issue, and the issue age of the base insured must be 18 to 55. The rider terminates and the premiums stop at the earlier of: the end of the level period, or the anniversary date of the policy following the insured reaching age 65. The benefit amounts available are based on the issue age of the base insured and are as follows:

• Minimum ADB amount: $10,000
• Maximum ADB amount: issue ages 18-25: $100,000; issue ages 26-55: $250,000 (or the face amount, if less)

Dependent Children’s Rider

Can be added at issue only and is available for the base insured only. Face amounts are $5,000 and $10,000. The rider terminates and the premiums stop at the earlier of: the anniversary date after the insured reaches age 65, when the youngest child reaches age 23, or when the base policy terminates.

Accident Indemnity Rider

Pays an additional death benefit if the insured dies as the result of an accidental bodily injury. Double the additional amount is payable if the accidental bodily injury occurs while the insured is a fare-paying passenger on a common carrier. Death must occur within 90 days from the accident and before the insured is age 70. The insured cannot be engaged in a hazardous occupation, as determined by the company.