Disability Insurance Products Overview Underwritten by United of Omaha Life Insurance Company (Mutual of Omaha Insurance Company in NY)

Long-Term Disability

Limitations

Benefit payments may be limited for the following disabilities:

• Alcohol and Drug Abuse and/or Substance Abuse 12 or 24 months
• Mental Disorder 12 or 24 months
• Self-Reported Symptoms 12 or 24 months
• Specific Conditions 12 or 24 months

Exclusions

We may not pay benefits for any Disability or loss which:

1. results from an act of declared or undeclared war or armed aggression
2. results from participation in a riot or commission of or attempt to commit a felony
3. results, whether sane or insane, from:
   1. an intentionally self-inflicted Injury or sickness; or
   2. attempted suicide
4. results from Alcohol and Drug Abuse and/or Substance Abuse except as specifically provided in the Limitations section
5. results from a Mental Disorder, except as specifically provided in the Limitations section
6. is caused by Alcohol and Drug Abuse and/or Substance Abuse, while not being actively supervised by and receiving continuing treatment from a rehabilitation center or designated institution approved for such treatment by an appropriate body in the governing jurisdiction, or if none, by us;
7. occurs while incarcerated or imprisoned for any period exceeding 31 days; or
8. is solely a result of a loss of a professional license, occupational license, or certification.

A Pre-Existing Condition Exclusion may apply. Please refer to your policy for exact provisions, limitations, reductions and exclusions.

Short-Term Disability

Exclusions

We may not pay benefits for any Disability or loss which:

1. results from an act of declared or undeclared war or armed aggression
2. results from participation in a riot or commission of or attempt to commit a felony
3. arises out of or in the course of employment with the policyholder [or for which you are entitled to benefits under any workers' compensation or occupational disease law, or receives any settlement from the workers' compensation carrier]
4. results, whether are sane or insane, from:
   1. an intentionally self-inflicted Injury or Sickness; or
   2. attempted suicide
5. occurs while incarcerated or imprisoned for any period exceeding 31 days; or
6. is solely a result of a loss of a professional license, occupational license, or certification.

AFN40102-557