Increased Competitiveness with
Accelerated Death Benefit Riders
Accelerated Death Benefit Riders for Terminal Illness and Chronic Illness allow
higher benefit amounts now - up to $1 million.

– Mutual of Omaha's Chronic Illness Rider provides benefits if the insured is unable to perform 2 of 6 activities of daily living for 90 consecutive days or has severe cognitive impairment. This rider can help customers cover the rising costs of Long-Term Care. Compared to the previous rider, this rider uses a more straight forward calculation to determine the benefits.	– Mutual of Omaha's Terminal Illness Rider provides benefits if the insured provides evidence that their life expectancy is 12 months or less. And, unlike before, the new Terminal Illness Rider will now be included with all TLA policies, regardless of the face amount.

The new riders allow a cumulative maximum benefit of $1 million or 80 percent of the death benefit
(limited to one acceleration of benefits for terminal illness). At the time of each accelerated death
benefit request, the requested acceleration amount is reduced by a $100 flat charge. For Chronic Illness, it is also
reduced by an actuarial discount that is based on the discount rate and the insured’s life expectancy.
The Accelerated Death Benefit Rider for Chronic Illness is capped each year at the IRS per diem limit. For 2014, this
limit is $330 per day, or $120,450 for the year. Also, there is no nursing home requirement.