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Coverage may not be available in all states and may vary by state.

Underwritten by Mutual of Omaha Insurance Company. Mutual of Omaha Plaza, Omaha, NE 68175. Disability income policy/certificate form numbers: D77/CD77, D81, D82, D83 (in ID, OR and TX, D81-20896/20897, D82-20898/20899, D83-20900/20901; in NY, D81-21098/21099, D82-21100/21101, D83-21102/21103; in OK, D81-21014/21015, D82-21016/21017, D83-21018/21019; in PA, D81-21080/21081, D82-21082/21083, D83-21084/21085), 150BE (in ID, 150BE Series -10116; in OK, 150BE Series 8972; in OR, 150BE Series-13316, in TX, 150BE Series-9068, in PA, 150BE Series-1050; in NY, 151BE Series-12495) or state equivalent. These policies have exclusions, limitations and reductions.

In NY, these policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for D81-21098, D82-21100, D83-21102 and 151BE Series-12495 is 55% (D81-21099, D82-21101 and D83-21103 is 60%). The ratios are the portion of future premiums, which the Company expects to return as benefits when averaged over all people with these policies.

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