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These four changes have created a completely different tobacco sector compared to the one we had 20 years ago

Product exclusions and limitations may vary by state.Guaranteed Universal LifeGuaranteed Universal LifePlusUnderwriting Full underwriting Full underwritingFace AmountIssue Ages (Age LastBirthday)Underwriting Class$50,000 $99,999 (Ages 66-85 StandardNontobacco and Standard Tobacco risks only)$100,000+ (Ages 18-80 all risk classes)(Ages 81-85 Standard Nontobacco andStandard Tobacco risks only)(First year premium over $2,000,000 requireshome office approval) Preferred Plus Nontobacco Preferred Nontobacco Tobacco Standard Plus Nontobacco Standard Nontobacco TobaccoTables 1(A) to 16(P)25% table rate-up$50,000 $99,999 (Ages 66-85 StandardNontobacco and Standard Tobacco risks only)$100,000+ (Ages 18-80 all risk classes)(Ages 81-85 Standard Nontobacco andStandard Tobacco risks only)(First year premium over $2,000,000 requireshome office approval) Preferred Plus Nontobacco Preferred Nontobacco Tobacco Standard Plus Nontobacco Standard Nontobacco TobaccoTables 1(A) to 16(P)25% table rate-upNo-Lapse Protection Maximum guarantee to age 120 Dial-A-Guarantee Guaranteed coverage canbe a maximum of lifetime coverage to age120 or a minimum of age 80 (20 years forages 61 and above) Catch up abilityPolicy Riders(Included in the Policy)Cost Policy Riders Guaranteed Refund Option Accelerated Death Benefit forTerminal and Chronic Illness Rider Waiver of Surrender Charges for PartialWithdrawals Rider Disability Waiver of Policy Charges Rider Disability Continuation of PlannedPremium Rider Accidental Death Benefit Rider Dependent Childrens Rider Guaranteed Insurability Rider Maximum guarantee to age 120 Dial-A-Guarantee Guaranteed coveragecan be a maximum of lifetime coverage toage 120 or a minimum of age 90 (20 yearsfor ages 71 and above) Short pay or dump in Catch up ability Guaranteed Refund Option Accelerated Death Benefit forTerminal and Chronic Illness Rider Waiver of Surrender Charges for PartialWithdrawals Rider Disability Waiver of Policy Charges Rider Disability Continuation of PlannedPremium Rider Accidental Death Benefit Rider Dependent Childrens Rider Guaranteed Insurability Rider(Continued on back)Life insurance underwritten by United of Omaha Life Insurance Company, Mutual of Omaha Plaza, Omaha, NE 68175.United of Omaha is licensed nationwide except in New York.L8415_0914For Producer use only

However, there are therapeutic benefits and a myriad of uses that you might want to know about this harmful plant

Think about your triggersdoes smoking make you want to drink, or vice versa

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