Compensation / Product Schedule Mutual Of Omaha / United Of Omaha .

Transcription

COMPENSATION / PRODUCT SCHEDULEMUTUAL OF OMAHA / UNITED OF OMAHA INSURANCE COMPANYANNUITIES / CRITICAL ILLNESS / DISABILITY INCOME / LONG TERM CARE /TERM LIFE / UNIVERSAL LIFE / WHOLE LIFE INSURANCE COMPANIES

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********* This Schedule is not valid until executed by an Authorized Representative of the Company *********COMPENSATION/PRODUCT SCHEDULEUNITED OF OMAHA LIFE INSURANCE COMPANYULTRA INCOME - SINGLE PREMIUM IMMEDIATE ANNUITYThis Schedule is part of your agreement or contract with Company ("Agreement") and is in effect on the later tooccur of: (1) the date this Schedule was first approved by an Authorized Representative, (2) the effective date ofyour Agreement, or (3) the effective date assigned by Company for the latest approved transmittal sheet, for theProduct(s) herein, as submitted by your Master General Agency. In no event does this Schedule apply to personswith Special Agent Contracts. Terms not otherwise defined in this Schedule shall have the meaning set forth in theAgreement.A. COMMISSIONThe Company shall use the following rates for Authorized Contracts issued on applications produced by you or, ifapplicable, other persons in your down line distribution who submit Product applications that designate you. Yourrate for each Authorized Contract will be reduced by any rates Company has assigned to other persons in yourdown line distribution for such Authorized Contract, if any. In no event shall the rate credited to you and your downline distribution for each policy exceed the rate provided on this Schedule.x Authorized Affiliated Company:United of Omaha Life Insurance Companyx Application and Premium Submitted to: United of Omaha Life Insurance Companyx Commission paid by:United of Omaha Life Insurance CompanyCommission Rate First Contract YearRenewal Commission Rate Contract Years 2 4.00%N/ACommission is calculated on the single premium collected by Company for an Authorized Contractincluding amounts collected for the nursing home rider and the guarantee minimum death benefit riders,less any portion of the initial payment paid for any other riders, if applicable.B. COMMISSION RULES1. The commission rate is the rate that is in effect on the application date of the issued Authorized Contract.2. There is no policy fee associated with this Product.3. The commission for this Product is Vested Compensation and may be paid to you after the TerminationDate if (a) the Authorized Contract related to the Product remains in force, (b) the premiums for theAuthorized Contract are paid to Company, and (c) if you are the writing agent, you must also remain theproducer of record.4. In the event an Authorized Contract is canceled during the free look period, 100% of the commission will becharged back to you.5. In the event of the death of the annuitant during the first twelve contract months, if (a) no payment has beenmade to the annuitant, then 100% of the commission will be charged back to you, or (b) a payment hasbeen made to the annuitant, then no commission will be charged back.6. The Company may, from time to time, issue Compensation/Product Schedules with respect to theseProducts which (a) amend, replace or terminate this Schedule, or (b) identify whether this Product is eligiblefor bonuses.C. GENERAL PROVISIONS1. Products Included. The provisions and conditions of this Schedule shall apply only to Productsspecifically identified in this Schedule.2. Non-assignment. You may not assign or pledge as collateral any commission payable under thisSchedule. Any attempt to assign commission under this Schedule shall be void.M24368 1205Page 1 of 2UNITED ULTRA INCOME - SPIA DF6 120105

********* This Schedule is not valid until executed by an Authorized Representative of the Company *********COMPENSATION/PRODUCT SCHEDULEUNITED OF OMAHA LIFE INSURANCE COMPANYULTRA SECURE 5 & 7 YEAR – SINGLE PREMIUM DEFERRED ANNUITYThis Schedule is part of your agreement or contract with Company ("Agreement") and is in effect on the later tooccur of: (1) the date this Schedule was first approved by an Authorized Representative, (2) the effective date ofyour Agreement, or (3) the effective date assigned by Company for the latest approved transmittal sheet, for theProduct(s) herein, as submitted by your Master General Agency. In no event does this Schedule apply to personswith Special Agent Contracts. Terms not otherwise defined in this Schedule shall have the meaning set forth in theAgreement.A. COMMISSIONThe Company shall use the following rates for Authorized Contracts issued on applications produced by you or, ifapplicable, other persons in your down line distribution who submit Product applications that designate you. Yourrate for each Authorized Contract will be reduced by any rates Company has assigned to other persons in yourdown line distribution for such Authorized Contract, if any. In no event shall the rate credited to you and your downline distribution for each policy exceed the rate provided on this Schedule.x Authorized Affiliated Company:United of Omaha Life Insurance Companyx Application and Premium Submitted to: United of Omaha Life Insurance Companyx Commission paid by:United of Omaha Life Insurance CompanyNationalIssue AgeFirst Year Commission RateRe-up Commission Rate*5 Year Product0 - 7576 - 8081 4.00%3.00%2.00%1.00%1.00%0.00%7 Year Product0 - 7576 - 8081 ue AgeFirst Year Commission RateRe-up Commission Rate*5 Year Product0 - 7576 - 8081 3.50%2.50%1.75%1.75%1.25%0.00%7 Year Product0 - 7576 - 8081 4.50%3.50%1.75%2.25%1.75%0.00%PA/WA/OR/MD/NJIssue AgeFirst Year Commission RateRe-up Commission Rate*5 Year Product0 - 7576 - 8081 4.00%2.00%1.50%2.00%1.00%0.00%7 Year Product0 - 7576 - 8081 4.00%3.00%1.50%2.00%1.50%0.00%*Re-up means the renewal of the Authorized Contract by the client at maturity. Re-up commissions arepaid only in the year of the Authorized Contract renewal and in Texas, require a new application. The reup rate is applied to the Cash Accumulation Value of the Authorized Contract at maturity. You are eligiblefor re-up commission for the 5 year Product in year 6 and every 5th year thereafter. You are eligible for reup commission for the 7 year Product in year 8 and every 7th year thereafter.B. COMMISSION RULES1. The commission rate is the rate that is in effect on the application date of the issued Authorized Contract.2. There is no policy fee associated with this Product.3. The commission rate is based on age of the oldest Authorized Contract owner at the time of issuance ofthe Authorized Contract. The Authorized Contract re-up commission rate is based on attained age of theoldest Authorized Contract owner at the time of re-up.4. The commission for this Product is Vested Compensation and may be paid to you after the TerminationDate if (a) the Authorized Contract related to the Product remains in force, (b) the premiums for theAuthorized Contract are paid to Company, and (c) if you are the writing agent, you must also remain theproducer of record.M24406Page 1 of 2UNITED ULTRA SECURE 5 & 7 YEAR – SPDA DH8 031504

********* This Schedule is not valid until executed by an Authorized Representative of the Company *********COMPENSATION/PRODUCT SCHEDULEMUTUAL OF OMAHA INSURANCE COMPANYCRITICAL ILLNESSThis Schedule is part of your agreement or contract with Company ("Agreement") and is in effect on the later tooccur of: (1) the date this Schedule was first approved by an Authorized Representative, (2) the effective date ofyour Agreement, or (3) the effective date assigned by Company for the latest approved transmittal sheet, for theProduct(s) herein, as submitted by your Master General Agency. In no event does this Schedule apply to personswith Special Agent Contracts. Terms not otherwise defined in this Schedule shall have the meaning set forth in theAgreement.A. COMMISSIONThe Company shall use the following rates for policies or certificates issued on applications produced by you or, ifapplicable, other persons in your down line distribution who submit Product applications that designate you. Yourrate for each policy or certificate will be reduced by any rates the Company has assigned to other persons in yourdown line distribution for such policy or certificate, if any. In no event shall the rate credited to you and your downline distribution for each policy exceed the rate provided on this Schedule.x x x Authorized Affiliated Company:Application and Premium Submitted to:Commission paid by:IndividualNationalFL / MI / WV / VTNY* / MD / SD / NDWACommission RateYear 1 Years 2 94.0%3.0%75.0%5.0%75.0%3.0%75.0%3.0%Mutual of Omaha Insurance CompanyMutual of Omaha Insurance CompanyMutual of Omaha Insurance CompanyWorksiteNationalFL / MI / WV / VTNH / MD / SD / NDWACommission RateYear 1Years 2 60.0%11.0%55.0%11.0%50.0%5.0%46.0%5.0%* New York does not offer the Worksite Product.B. COMMISSION RULES1. The commission rate is the rate that is in effect on the application date of the issued policy or certificate.2. The commission is based on paid premium less the policy fee.3. The commission will be paid on premium increases due to attained age.4. The first year commission will be paid on increased coverage for 12 months and renewal year commissionthereafter.5. The commission is Vested Compensation as long as (1) the policy or certificate remains in force, (2) thepremium for the policy or certificate is paid to and accepted by Company, and (3) you remain producer ofrecord for the policy or certificate.6. Internal Replacements: If a new Mutual of Omaha Critical Illness policy or certificate replaces any existingMutual of Omaha Critical Illness policy or certificate, commission will be paid if the producer of recordremains the same. The commission rate on the new policy or certificate will be based upon the policy yearof the former policy or certificate.7. The Company may, from time to time, issue Compensation/Product Schedules with respect to theseProducts which (a) amend, replace or terminate this Schedule, or (b) identify whether this Product iseligible for bonuses.M24555Page 1 of 2MUTUAL CRITICAL ILLNESS Q29 031504

********* This Schedule is not valid until executed by an Authorized Representative of the Company *********COMPENSATION/PRODUCT SCHEDULEMUTUAL OF OMAHA INSURANCE COMPANYDISABILITY INCOME/OVERHEAD PROTECTORThis Schedule is part of your agreement or contract with Company ("Agreement") and is in effect on the later tooccur of: (1) the date this Schedule was first approved by an Authorized Representative, (2) the effective date ofyour Agreement, or (3) the effective date assigned by Company for the latest approved transmittal sheet, for theProduct(s) herein, as submitted by your Master General Agency. In no event does this Schedule apply to personswith Special Agent Contracts. Terms not otherwise defined in this Schedule shall have the meaning set forth in theAgreement.A. COMMISSIONThe Company shall use the following rates for policies issued on applications produced by you or, if applicable,other persons in your down line distribution who submit Product applications that designate you. Your rate foreach policy will be reduced by any rates the Company has assigned to other persons in your down line distributionfor such policy, if any. In no event shall the rate credited to you and your down line distribution for each policyexceed the rate provided on this Schedule.x x x Authorized Affiliated Company:Mutual of Omaha Insurance CompanyApplication and Premium Submitted to: Mutual of Omaha Insurance CompanyCommission paid by:Mutual of Omaha Insurance CompanyD81, D82, D83 and State EquivalentsPOLICY FORMS for the Disability Income Product:POLICY FORMS for the Overhead Protector Product: 151BE, 181BE, D19MT and State EquivalentsNationalNew Business, Internal & External ReplacementsPolicy Year12-45 Commission Rate70%6%4%POLICY FORMS for the Disability Income Product:D77, CD77 and State EquivalentsPOLICY FORMS for the Overhead Protector Product: 150BE and State EquivalentsNationalNew Business, Internal & External ReplacementsPolicy Year12 - 1011 Commission Rate70%10%7%B. COMMISSION RULES1. The commission rate is the rate that is in effect on the application date of the issued policy.2. Commission is calculated on paid premium less the policy fee for policy form D81. For all other policyforms, commission is calculated on paid premium.3. Commission is calculated on paid premium for all riders.4. Commission is not calculated on premium rate adjustments.5. The commission for this Product is vested and may be credited to you after the termination date if (a) thepolicy remains in force, (b) the premiums for the policy are credited to Company, and (c) you are thewriting agent, you must also remain the producer of record.6. Internal Replacements: Commission will be calculated when a new Mutual of Omaha Disability Incomepolicy replaces an existing Mutual of Omaha Disability Income policy; or when a new Mutual of OmahaOverhead Protector policy replaces an existing Mutual of Omaha Overhead Protector policy. Thecommission on the new internal replacement policy will be calculated based upon the policy year of theformer policy.7. External Replacements: Commission will be calculated the same as new business.M24514 0507Page 1 of 2MUTUAL DISABILITY Q34 050407

********* This Schedule is not valid until executed by an Authorized Representative of the Company *********COMPENSATION/PRODUCT SCHEDULEMUTUAL OF OMAHA INSURANCE COMPANYLONG TERM CAREThis Schedule is part of your agreement or contract with Company ("Agreement") and is in effect on the later tooccur of: (1) the date this Schedule was first approved by an Authorized Representative, (2) the effective date ofyour Agreement, or (3) the effective date assigned by Company for the latest approved transmittal sheet, for theProduct(s) herein, as submitted by your Master General Agency. In no event does this Schedule apply to personswith Special Agent Contracts. Terms not otherwise defined in this Schedule shall have the meaning set forth in theAgreement.A. COMMISSIONThe Company shall use the following rates for policies issued on applications produced by you or, if applicable,other persons in your down line distribution who submit Product applications that designate you. Your rate for eachpolicy will be reduced by any rates the Company has assigned to other persons in your down line distribution forsuch policy, if any. In no event shall the rate credited to you and your down line distribution for each policy exceedthe rate provided on this Schedule.x x x Authorized Affiliated Company:Mutual of Omaha Insurance CompanyApplication and Premium Submitted to: Mutual of Omaha Insurance CompanyCommission paid by:Mutual of Omaha Insurance CompanyThe commission rate for Policy Form LTC04I-AG is based on the policy form and the following status on theapplication date:x The policy is considered “Employee Paid” when the employee pays the entire premium.x The policy is considered “Employer Paid” when the employer pays any portion of the premium.x The policy is considered “Association Group” when the applicant is a member of an association group thathas been approved by Company.New Business, Internal & External ReplacementsPolicyFormNationalIssue AgeUnder 65IndividualLTC04I72.5%Individual Limited Premium Payment PeriodOption. Rate up to Lifetime PremiumLTC04I72.5%Association Group/Employee PaidLTC04I-AG 67.5%Employer PaidLTC04I-AG 62.5%Employer Paid Limited Premium PaymentPeriod Option. Rate up to Lifetime Premium LTC04I-AGRate on Excess of Lifetime Premium All States 1Issue AgeIndividual Limited Premium Payment PeriodOption.Employer Paid Limited Premium PaymentPeriod Option62.5%PolicyFormAll PolicyYearsAll AgesLTC04I2.5%LTC04I-AG1.75%Policy Year 165 - 69 70 - 7472.5% 52.5%PolicyPolicyYears 2-10 Years 11 75 - 79 All AgesAll %3.0%0.5%1Except Delaware and Pennsylvania, when the writingGeneral Agent does not have any other General Agentsreporting to them in their downline distribution.M24633 0109Page 1 of 8MUTUAL LONG TERM CARE R51 010109

********* This Schedule is not valid until executed by an Authorized Representative of the Company *********Internal & External ReplacementsAlabama, North Carolina, South Dakota 1PolicyFormIssue AgeUnder 65IndividualLTC04IIndividual Limited Premium Payment PeriodOption. Rate up to Lifetime PremiumLTC04IAssociation Group/Employee PaidLTC04I-AGEmployer PaidLTC04I-AGEmployer Paid Limited Premium PaymentPeriod Option. Rate up to Lifetime Premium LTC04I-AGIndividualIndividual Limited Premium Payment PeriodOption. Rate up to Lifetime PremiumLTC04IPolicy Year 165 - 69 70 - 74PolicyPolicyYears 2-10 Years 11 75 - 79 All AgesAll AgesAL, NC, SD and all SD cases not passingFinancial Suitability including New 0.5%3.0%3.0%3.0%3.0%3.0%0.5%With Significant Benefit Increase Only - NC and SD only72.5%72.5% 52.5% %2.5%3.0%2.5%0.0%0.5%Employer Paid Limited Premium PaymentPeriod Option. Rate up to Lifetime Premium LTC04I-AG1New Business will receive National Commissions62.5%62.5%42.5%37.5%3.0%0.5%Association Group/Employee PaidEmployer PaidPolicyFormCalifornia 1Issue AgeIndividualIndividual Limited Premium Payment PeriodOption. Rate up to Lifetime PremiumLTC04IInternal & External ReplacementsPolicyPolicyPolicy Year 1Years 2-10 Years 11 Under 65 65 - 69 70 - 74 75 - 79 All AgesAll AgesPremium Increase from Original Policy72.5%72.5% 52.5% 5%Employer Paid Limited Premium PaymentPeriod Option. Rate up to Lifetime Premium LTC04I-AG62.5%Association Group/Employee PaidEmployer PaidIndividualIndividual Limited Premium Payment PeriodOption. Rate up to Lifetime 5%7.0%2.5%3.0%62.5% 42.5% 37.5%3.0%Premium up to Original Policy r Paid Limited Premium PaymentPeriod Option. Rate up to Lifetime Premium LTC04I-AG1New Business will receive National Commissions3.0%3.0%3.0%3.0%3.0%0.5%Association Group/Employee PaidEmployer PaidM24633 0109Page 2 of 82.5%MUTUAL LONG TERM CARE R51 010109

********* This Schedule is not valid until executed by an Authorized Representative of the Company *********When the writing General Agent has other General Agents reporting to them in their downline distribution, thewriting General Agent will be eligible for the following commission rates.PolicyFormLTC04I55.0%PolicyPolicyPolicy Year 1Years 2-10 Years 11 65 - 69 70 - 74 75 - 79 All Ages All AgesNew Business55.0% 45.0% 0%55.0%55.0%55.0%7.0%2.5%3.0%2.5%0.0%0.5%Employer Paid Limited Premium PaymentPeriod Option. Rate up to Lifetime Premium LTC04I-AG55.0%0.5%2.5%DelawareIssue AgeUnder 65IndividualIndividual Limited Premium Payment PeriodOption. Rate up to Lifetime PremiumAssociation Group/Employee PaidEmployer Paid45.0%45.0%42.5%45.0%42.5%37.5%LTC04I55.0%55.0% 42.5% 37.5%3.0%Internal & External Replacements55.0% 42.5% %3.0%2.5%0.0%0.5%Employer Paid Limited Premium PaymentPeriod Option. Rate up to Lifetime Premium ividual Limited Premium Payment PeriodOption. Rate up to Lifetime PremiumAssociation Group/Employee PaidEmployer PaidWhen the writing General Agent does not have any other General Agents reporting to them in their downlinedistribution, the writing General Agent will be eligible for the following commission rates.PolicyFormLTC04I35.0%PolicyPolicyPolicy Year 1Years 2-10 Years 11 65 - 69 70 - 74 75 - 79 All Ages All AgesNew Business35.0% 35.0% 0%35.0%35.0%35.0%3.0%0.5%0.0%0.5%0.0%0.0%Employer Paid Limited Premium PaymentPeriod Option. Rate up to Lifetime Premium LTC04I-AG35.0%0.0%0.5%DelawareIssue AgeUnder 65IndividualIndividual Limited Premium Payment PeriodOption. Rate up to Lifetime PremiumAssociation Group/Employee PaidEmployer Paid35.0%35.0%32.5%35.0%32.5%27.5%LTC04I35.0%35.0% 32.5% 27.5%0.0%Internal & External Replacements35.0% 32.5% %0.0%0.5%0.0%0.0%Employer Paid Limited Premium PaymentPeriod Option. Rate up to Lifetime Premium ividual Limited Premium Payment PeriodOption. Rate up to Lifetime PremiumAssociation Group/Employee PaidEmployer PaidRate on Excess of Lifetime Premium DelawareIssue AgeIndividual Limited Premium Payment PeriodOption.Employer Paid Limited Premium PaymentPeriod OptionM24633 0109PolicyFormAll PolicyYearsAll AgesLTC04I0.5%LTC04I-AG0.75%Page 3 of 8MUTUAL LONG TERM CARE R51 010109

********* This Schedule is not valid until executed by an Authorized Representative of the Company *********PolicyFormIndianaIssue AgeUnder 65IndividualIndividual Limited Premium Payment PeriodOption. Rate up to Lifetime PremiumLTC04I70 - 7475 - 79New Business,Internal & External ReplacementsWith Significant Benefit IncreasesPolicy Year 126.5%26.5%20.5% er Paid Limited Premium PaymentPeriod Option. Rate up to Lifetime Premium LTC04I-AG20.5%Association Group/Employee PaidEmployer Paid65 - %LTC04I13.25%20.5%14.5%Policy Years 2 13.25% yer Paid Limited Premium PaymentPeriod Option. Rate up to Lifetime Premium l Limited Premium Payment PeriodOption. Rate up to Lifetime PremiumAssociation Group/Employee PaidEmployer PaidIndividualIndividual Limited Premium Payment PeriodOption. Rate up to Lifetime PremiumLTC04I9.25%Internal & External ReplacementsWithout Significant Benefit IncreasesAll Policy Years13.25% 13.25% 10.25% er Paid Limited Premium PaymentPeriod Option. Rate up to Lifetime Premium LTC04I-AG10.25%10.25%7.25%6.25%Association Group/Employee PaidEmployer PaidPolicyFormKentucky 1Issue AgeIndividualIndividual Limited Premium Payment PeriodOption. Rate up to Lifetime PremiumLTC04ILTC04IAssociation Group/Employee PaidLTC04I-AGEmployer PaidLTC04I-AGEmployer Paid Limited Premium PaymentPeriod Option. Rate up to Lifetime Premium LTC04I-AG1New Business will receive National CommissionsM24633 0109Page 4 of 8Internal & External ReplacementsPolicyPolicy Year 1Years 2 Under 65 65 - 69 70 - 74 75 - 79 All Ages12.0%12.0%12.0% .0%2.0%7.0%4.0%1.5%2.5%7.0%7.0%7.0%7.0%2.5%MUTUAL LONG TERM CARE R51 010109

********* This Schedule is not valid until executed by an Authorized Representative of the Company *********New Business, Internal &External ReplacementsPolicyFormMichigan - Under Age 65Issue AgeIndividualIndividual Limited Premium Payment PeriodOption. Rate up to Lifetime PremiumLTC04IPolicyPolicyPolicyYearsYearsYear 12-1011 Under 65 Under 65 Under 6577.5%7.0%2.5%LTC04I77.5%LTC04I-AG 72.5%LTC04I-AG 67.5%7.0%2.5%3.0%2.5%0.0%0.5%Employer Paid Limited Premium PaymentPeriod Option. Rate up to Lifetime Premium LTC04I-AG 67.5%3.0%0.5%Association Group/Employee PaidEmployer PaidNew Business, Internal & External ReplacementsPolicyFormMichigan - Age 65 - 79Issue AgeIndividualIndividual Limited Premium Payment PeriodOption. Rate up to Lifetime PremiumLTC04IPolicy Years 1 -365 - 69 70 - 74 75 - 7932.5%28.5%26.5%PolicyYears4-1065 - 797.0%PolicyYears 11 65 - 792.5%LTC04I32.5%LTC04I-AG 26.5%LTC04I-AG %0.0%0.5%Employer Paid Limited Premium PaymentPeriod Option. Rate up to Lifetime Premium LTC04I-AG 28.5%24.5%22.5%3.0%0.5%Association Group/Employee PaidEmployer PaidPolicyFormNew YorkIssue AgeIndividualIndividual Limited Premium Payment PeriodOption. Rate up to Lifetime PremiumAssociation Group/Employee PaidEmployer PaidLTC04IPolicy Year 1Under 65 65 - 69 70 - 74 75 - 79New Business67.5%62.5%47.5%42.5%LTC04I67.5%LTC04I-AG 57.5%LTC04I-AG PolicyYears 2 All Ages3.0%3.0%0.0%1.5%Employer Paid Limited Premium PaymentPeriod Option. Rate up to Lifetime Premium LTC04I-AG 57.5%IndividualIndividual Limited Premium Payment PeriodOption. Rate up to Lifetime PremiumLTC04I52.5%37.5%35.0%1.5%Internal & External 1.5%3.0%0.0%1.5%Employer Paid Limited Premium PaymentPeriod Option. Rate up to Lifetime Premium LTC04I-AG1.5%1.5%1.5%1.5%1.5%Association Group/Employee PaidEmployer PaidM24633 0109Page 5 of 8MUTUAL LONG TERM CARE R51 010109

********* This Schedule is not valid until executed by an Authorized Representative of the Company *********When the writing General Agent has other General Agents reporting to them in their downline distribution, thewriting General Agent will be eligible for the following commission rates.PolicyFormLTC04I72.5%PolicyPolicyPolicy Year 1Years 2-10 Years 11 65 - 69 70 - 74 75 - 79 All Ages All AgesNew Business72.5% 52.5% 5%72.5%67.5%62.5%7.0%2.5%3.0%2.5%0.0%0.5%Employer Paid Limited Premium PaymentPeriod Option. Rate up to Lifetime Premium LTC04I-AG62.5%0.5%PennsylvaniaIssue AgeUnder 65IndividualIndividual Limited Premium Payment PeriodOption. Rate up to Lifetime PremiumAssociation Group/Employee PaidEmployer Paid52.5%47.5%42.5%47.5%42.5%37.5%LTC04I7.0%62.5% 42.5% 37.5%3.0%Internal & External 7.0%2.5%3.0%2.5%0.0%0.5%Employer Paid Limited Premium PaymentPeriod Option. Rate up to Lifetime Premium ual Limited Premium Payment PeriodOption. Rate up to Lifetime PremiumAssociation Group/Employee PaidEmploye

Application and Premium Submitted to: United of Omaha Life Insurance Company Commission paid by: United of Omaha Life Insurance Company Commission Rate First Contract Year 4.00% Renewal Commission Rate Contract Years 2 N/A Commission is calculated on the single premium collected by Company for an Authorized Contract