About Accidental Death Insurance from Mutual of Omaha Insurance Company

     What is accidental death insurance?
     If I already have life insurance, do I need accidental death insurance?
     Will my premiums increase as I get older?
     Am I eligible for accidental death insurance?
     Can I buy this insurance for my entire family?
     If I have previous health conditions, can I still apply?
     If I've been in an accident in the past, does that affect my eligibility?
     Can my coverage ever be canceled?
     Are medical exams required?
     Does this policy cover all causes of death?
     Will my beneficiary be taxed on the money they receive?

What is accidental death insurance?
Accidental death insurance is designed to help protect your family’s finances from disruption if you were to die from injuries received in a covered accident.  Your family can use the benefits to help replace your future income, or pay costs associated with an accidental death, like medical expenses.

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If I already have life insurance, do I need accidental death insurance?
People often underestimate the amount of insurance they need. And although you have life insurance, what would happen if you were involved in a fatal accident? An accidental death insurance policy from Mutual of Omaha Insurance Company pays out benefits for a covered death regardless of any other insurance you may have. This is a great way for your family to receive up to $1,000,000 in coverage at economical rates.

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Will my premiums increase as I get older?
Your premiums will never increase due to illness or injury, and you will never be singled out for a rate increase. However, rates can change only if the same change is made on all policies or certificates of this form issued to everyone of the same classification in your state.

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Am I eligible for accidental death insurance?
Anyone ages 18 to 70 (18 to 64 in Minnesota) is eligible for accidental death insurance, provided they aren't already insured under other accidental death insurance from Mutual of Omaha Insurance Company.

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Can I buy this insurance for my entire family?
Yes.  Insuring your eligible dependents is a great way to help make sure a family tragedy doesn’t become a financial tragedy.

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If I have previous health conditions, can I still apply?
We don’t ask any health-related question on the application. Even if you have previous health conditions, you are still eligible to apply for accidental death insurance.

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If I’ve been in an accident in the past, does that affect my eligibility?
We understand that accidents happen. And since accidental death insurance helps protects your family’s finances if you’re involved in a fatal accident, you can still apply even if you’ve had an accident in the past.

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Can my coverage ever be canceled?
We want to make sure you have the coverage you need. And as long as your premiums are paid on time, your coverage will not be canceled until you reach age 80, when the coverage ends.  (In CA, GA, IL, MT, and NV, your Certificate of Insurance will remain in force to age 80 as long as your premiums are paid when due, and the Master Policy remains in force.) If you apply for family coverage, the coverage ends when you turn 80, or upon the date of your death, if earlier. However, your insured spouse, if under age 80, can continue the coverage. Please read the details about family coverage here.

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Are medical exams required?
No, you don’t have to take a medical exam to receive coverage.

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Does this policy cover all causes of death?
We understand the reason you consider accidental death insurance is to help protect your family’s finances.  This insurance pays for death due to injuries received in a covered accident. It is important to note not all causes of death are covered under this policy. Please read all of the exclusions and limitations to this policy, which are located here.

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Will my beneficiary be taxed on the money they receive?
Under the current federal law, your beneficiary will receive the benefits of this coverage free from federal income taxes.

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