$500K.. Or You Don't Pay.

Yes. The disability coverage only pays if you become disabled. The AD coverage would give you protection from an accidental death.

AD coverage can be a great supplement to an existing term life policy as AD insurance pays a sum of money to a beneficiary should you die from an accident. AD coverage is typically inexpensive compared to a life insurance policy. If you cannot afford the life insurance premium or you don’t qualify for life insurance coverage, you can purchase an AD policy to provide the additional protection.

Yes. The fact is, most deaths will occur in one of two ways — either from a sickness or from an accident. Having AD coverage provides you with protection from an accidental death.

AD coverage from Mutual of Omaha is guaranteed issue — everyone within the eligible age range qualifies. The policy also provides two times the benefit amount for accidental death in a common carrier and an additional 25 percent of the benefit amount for accidental death while driving or riding in a private automobile or being struck by any motor vehicle. In addition, you may purchase family coverage for your spouse and/or children.

The ROP benefit will provide a percentage of all the premiums paid minus any amount of claims already paid. The percentage received is based on the number of years the rider has been in force.

Yes, you can elect to have family coverage. Spouse is covered at 100 percent of the benefit amount and all children are covered at 20 percent of benefit amount.

Yes, this insurance covers accidental deaths that occur while at work. The policy is guaranteed issue and occupation is not taken into consideration when reviewing the application. If you had a policy and died accidentally at work, you would be covered.

Coverage begins as soon as the app is issued and premium payment is processed by Mutual of Omaha.