Paper Applications

The application packet contains the application plus all forms required in the applicant’s state of residence. Follow these guidelines when submitting a paper application.

• Use the correct application – Be sure to use the application for the client’s state of residence. Nonresident state applications will not be accepted. You will be required to submit the correct state application before a policy can be issued.
• You must have the appropriate state license – If the application is taken in person, you must be licensed in the state where the application is signed. For mailed applications, you must be licensed to sell in the state where the client is at the time of solicitation.
• Only the applicants may sign – When lump-sum insurance sales are made, only the applicants for insurance may complete and sign the application.
• Whiteout is not allowed – If a question is answered in error, draw a single line through the error and have the correction initialed by the applicant.
• Don’t use “N/A” – “N/A” is not an acceptable answer. Instead, use “No,” “None,” or “Yes” when answering a question on the application.
• Check the date – Applications must be received by Mutual of Omaha within 30 days of the application date. Applications that are more than 30 days old will require a new, complete, and currently dated application. Premium will be based on the applicant’s age as of the new application signing date.