With the likelihood of a fatal accident happening every five minutes^*, Mutual of Omaha's Accidental Death Insurance makes sense to have. It’s a simple solution that will certainly come in handy during an otherwise difficult time.

The following is a listing of our Benefit Classifications. This information will tell you exactly what your insurance covers. To see what is not covered, click here.

FACT -- In 2005, there were over 700 airline passenger fatalities worldwide.^*

Common Carrier
This includes accidents that occur in aircraft, buses, taxis, ferries and other common means of public transportation. This covers accidental death while riding as a ticketed passenger, not as a pilot or crewmember, on scheduled non-charter, certified airline flights. Also covers accidental death while a fare-paying passenger (not an operator or crewmember) on other common carriers licensed primarily for passenger service.

FACT—Motor vehicle accidents claimed 45,800 lives in the United States in 2005.^*

Auto and Pedestrian
This includes all accidents that occur when riding in, driving or being struck by a private passenger vehicle. You will be covered for accidental death while driving or riding in a private passenger automobile or as a pedestrian when hit by a motor vehicle ordinarily operated on public streets or highways.

FACT—Home accidents have accounted for almost a third of the total number of fatal accidents.^*

General Accidental Death

This includes falls, drowning, poisoning, electrocution and all other types of fatal accidents not covered by the specific provisions of the Common Carrier or Auto and Pedestrian accident coverage above or excluded under What is Not Covered below.

PLUS—You will receive 24-hour-a-day coverage, 365 days a year for all of the above Benefit Classifications—whether you are at home, at work or at play!

What is Not Covered

This insurance covers accidental loss of life from injuries that are a direct result of an accident or trauma occurring when insured under the coverage while it is in force. Loss must be independent of sickness and all other causes (all other causes not applicable in Vermont; in California, Illinois, Montana and Nevada, sickness or bodily infirmity), except sickness caused by the injury (and terrorism, in Maryland). Benefits are payable only when a covered injury results in loss of life within 365 days after the injury date (no time limit in Pennsylvania).

This insurance does not cover loss resulting from: suicide, attempted suicide or intentionally self-inflicted injury while sane or insane (in Colorado and Missouri, while sane only; in New York and Pennsylvania, suicide, attempted suicide or intentionally self-inflicted injury); an act of declared or undeclared war (in Oklahoma, any war or act of war, declared or undeclared, while serving in the military forces or any attached auxiliary unit); injuries received while serving in the armed forces (in New Jersey, we will refund all premiums on a pro rata basis; in New York, loss sustained while serving in the military or armed forces — the unearned portion of the premium will be refunded with suspension of coverage for you, your spouse and dependent children allowed for up to five years of continuous active duty).

Benefits are also not payable for injuries received while (in Montana, voluntarily; in New York, loss resulting from an insured person being) under the influence of any controlled substance (narcotic, in Maryland), except narcotics given on the advice of a physician (not applicable in South Dakota, Vermont and Washington; in Connecticut, as defined in Title II of the Comprehensive Drug Abuse Prevention and Control Act of 1970, as now or hereafter amended, unless prescribed by a physician). In addition, injuries resulting from an insured person being (in Montana, voluntarily) intoxicated (as determined and defined by the laws of the jurisdiction in which the loss or cause of loss occurred; for the purposes of this exception, the laws governing the operation of motor vehicles while intoxicated will apply) are not covered (not applicable in Minnesota, Oklahoma, South Dakota, Vermont and Washington; in New York and South Carolina, loss resulting from an insured person’s being intoxicated; in South Carolina, for the purposes of this exclusion, the laws governing the operation of motor vehicles while intoxicated will apply).

No benefits are payable for loss resulting from an insured person’s commission or attempted commission (attempted commission not applicable in Georgia) of a felony or being engaged in an illegal (felonious in Connecticut) occupation; loss resulting from a moving vehicle accident occurring while an insured person is engaged in a contest of speed, organized or not (not applicable in Iowa, New Jersey, New York, Vermont, Virginia and Washington; in Minnesota, loss resulting from a moving vehicle accident occurring while an insured person is engaged in an organized contest of speed); loss resulting directly or indirectly (in California, Illinois, Montana and Nevada, directly) from disease or bodily infirmity or that occurs (in Maryland and New York, injuries that occur) while this coverage is not in force.

Renewal and Premium Guarantees

You will never be singled out for a rate increase. Your rates cannot be increased due to illness or injuries to a person insured. Rates can only be increased if they are changed for everyone of the same classification insured under this coverage in your state. Your coverage will never be cancelled as long as your premiums are paid on time. If you wish, you can cancel your coverage at any time. At age 80, this coverage terminates. Under the Family Plan, coverage ends for your insured spouse and dependent children when you reach age 80, or on the date of your death, if before that. Your spouse, if under age 80, can continue coverage by submitting a request to become the primary insured (request not required in Pennsylvania) and paying the premium within 60 days of the policy renewal date following the date your coverage ended (in Virginia, your spouse automatically becomes the primary insured upon your death). A person may be insured under only one insurance plan of this form at any one time.

Risk-free Right to Review Coverage

You have a risk-free right to review this coverage for a full 60 days (30 days in New York). If you change your mind for any reason, simply return your insurance plan within that period of time and Mutual of Omaha will issue you a refund check for the full amount of your payment.

How Benefits Are Paid

Benefits payable in the event of your death are paid to your beneficiary or to your estate if no beneficiary is named or living. Family Plan spouse or dependent child benefits are paid to you, if living, otherwise to your estate.

Eligibility of Coverage

Adults are eligible for coverage if ages 18 to 70 (18 through 64 in Minnesota). The Family Plan insures you, your spouse age 18 to 70, (18 through 64 in Minnesota) and all unmarried dependent children under the age of 21 (19 in New Jersey, 22 in North Dakota, 24 in Indiana, 25 in Texas, 26 in Utah), or under age 25 (24 in Louisiana, 26 in North Dakota and Utah, no age limit in Texas) if a full-time student at an accredited educational institution. Those insured may have no other Accidental Death Insurance with Mutual of Omaha.

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for this policy is 50%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy. IMPORTANT NOTICE -- THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

^* National Safety Council, Injury Facts 2007