Agent AI
Hits: 10808
Carrier: Mutual of Omaha (United of Omaha Life Insurance Company)
Applies To: Fully underwritten Term, IUL, and Whole Life policies
Purpose: Quick reference for field triage based on most common impairments
Sample Underwriting Outcomes:
- ADHD: Standard – Table 2
- Anxiety (Mild): Standard
- Atrial Fibrillation: Standard – Decline
- Bipolar Disorder: Table 2 – 8
- CAD (Coronary Artery Disease): Table 2 – Decline
- Cancer (Major – e.g., colon, lung): Postpone 2–5 years, IC
- COPD: Standard – Table 8
- Diabetes – Type I (Over age 20): Table 2 – 8
- Diabetes – Type II (Controlled): Standard – Table 8
- Epilepsy: Table 2 – 6
- Heart Attack (Single, 2+ years ago): Table 2 – 8
- Heart Failure: Decline
- Hepatitis C (Treated, no cirrhosis): Table 2 – 8
- HIV Positive: Decline
- Hypertension (Controlled): Standard
- Lupus (Systemic): Table 2 – Decline
- Mental Retardation (Moderate/Severe): Decline
- Multiple Sclerosis: Table 4 – Decline
- Obesity: Refer to Build Chart / Tables 1–12
- Organ Transplant (Any): Decline
- Parkinson’s Disease: Table 4 – Decline
- Sleep Apnea (CPAP controlled): Standard – Table 2
- Stroke (Single, 2+ years ago): Table 2 – 8
- Stroke (Multiple or Recent): Decline
- Substance Abuse (Recovered): Postpone 2–3 yrs, Standard – Table 8
- Ulcerative Colitis: Standard – Table 4
Note: These outcomes reflect Mutual of Omaha’s typical best-case offers. Severity, duration, control, and other health factors may increase risk class or lead to decline.
