Safeguarding A Familys Most Important Asset with
                      Mortgage Term Plus

More than just mortgage insurance, it gives clients and their families the peace of mind of knowing that money will be available to pay off their mortgage if they die, or still make their mortgage payments if they suffer a disability or become unemployed.

Mortgage Term Plus is available to the borrower and co-borrower of a mortgage. In the case of two borrowers, each proposed Insured will be applying for a separate individual life policy.

Mortgage Term Plus target markets are:

• Young families
• Dual-income families
• People with long-term debts such as a mortgage
• Families with limited resources and large insurance
  needs.

The major features of United of Omaha's Mortgage Term Plus include:

• Return of Premium Rider
• Waiver of Premium for Unemployment
• Stroke/Heart Attack/Cancer Death Benefit
• Disabilty Income Rider