The Critical Advantage Portfolio offers benefits that are easy to see. We all know someone who has been diagnosed with cancer, had a heart attack, or suffered from a stroke. Mutual of Omaha can offer your clients a streamlined application process with easy knock-out questions and express or simplified underwriting. But what is the difference between express & simplified underwriting?

Express Underwriting:
Simple yes/no knock-out questions for face amounts of $50,000 and below.

Simplified Underwriting:
Simple yes/no knock-out questions with the addition of Medical Information Bureau and Pharmaceutical inquiry, and random telephone interviews for face amounts of $51,000-$100,000.
 
You can learn more about how Critical Advantage policies are underwritten, by reading through our Product & Underwriting Guide.
 

Express Underwriting vs Simplified Underwriting
 

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