Mutual of omaha eoi form 2025

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This document is a guide for completing the Group Life Insurance Evidence of Insurability Form provided by Mutual of Omaha. It outlines the necessary steps and information required to apply for group life insurance, including submission options, detailed guidelines for each section of the form, and important tips for ensuring accurate completion. The guide emphasizes the importance of providing complete and legible information to avoid delays in processing and includes sections on health information, authorization for personal data disclosure, and compliance with privacy regulations.

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

What is the 2 year rule for Mutual of Omaha life insurance?

If the insured dies within the first 2 years of the policy, the beneficiary will receive 110% of the premiums paid instead of the full death benefit. The only exception is an accidental death, which will pay out 100% of the death benefit, not just refund the premiums paid.

Does Mutual of Omaha have a 2 year waiting period?

Life insurance policies have a two-year contestable period. This means if you die within this period, the company may investigate the cause of death and review your application. If you die after two years of buying the policy, the company must pay the death benefit.

How do I get an EOI form?

To be considered for coverage, you must complete an EOI application, either online or on paper. 800-247-6875, Monday through Friday, 8:00 a.m. to 8:00 p.m. ET and ask for an EOI application. Fill it out and send it back to us by following the instructions on the application.

How do you prove evidence of insurability?

The EOI process involves providing a detailed medical history and lifestyle habits and occasionally undergoing a thorough health examination. The information from the EOI helps determine insurance premium rates, coverage limits, and eligibility.

What does a 2 year waiting period mean in life insurance?

Mutual of Omaha asserts that the insurance companys refusal to sell him a long-term care policy is based on its categorical exclusion of anyone who is HIV-negative and takes PrEP. Doe asserts that Mutuals blanket exclusion is sexual orientation discrimination because 80% of PrEP users are men.