Simplified Issue Life Insurance Underwriting Guide

This guide provides comprehensive information on the underwriting process for simplified issue life insurance products offered by Mutual of Omaha. It outlines the life underwriting philosophy, which emphasizes a streamlined approach to evaluating applications based on specific criteria. The document details the requirements for submitting applications, including necessary forms and contact information for underwriting support. Additionally, it presents underwriting strengths such as age-based policy rates and the availability of point-of-sale underwriting decisions. The guide includes a build chart for various products, underwriting requirements for different age groups, and qualifications for non-smoker rates. It also lists common impairments that may affect coverage eligibility and outlines the automated underwriting process available through electronic applications. Overall, the guide serves as a valuable resource for understanding the underwriting criteria and processes related to simplified issue life insurance.