Mutual of Omaha

Unlock Financial Security With Mutual of Omaha

The Mutual of Omaha was founded in 1909. Since then,  it is working as a financial organization that provides its customers and massive business groups with a wide variety of insurance and financial products. The company received an A+ rating from A.M. Best Company, Inc and was applauded for its financial strength. NerdWallet also ranked the company 5th out of 18 Large Insurance companies.

Mutual of Omaha provides three basic life insurance:

---Term Life Insurance

---Whole Life Insurance

---Universal Life Insurance


Mutual of Omaha Life Insurance Policies

+ Term Life Insurance

Mutual of Omaha provides a very simplified version of Term Life Insurance which is available for the term periods of 10, 15, 20, and 30 years. This policy option can be availed by any person who is 18 to 80 years old. The minimum coverage amount for this policy is $100,000.

The term life insurance can be easily converted into a Permanent life insurance policy free of cost or any medical exam. The term life insurance policy offers tax-free death benefits that can either be provided in a lump sum amount or be used to buy a single-premium immediate annuity resulting in installment payments with a range of payout periods.


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+ Whole Life Insurance

There are two Whole Life Insurance policies provided by Mutual of Omaha: Guaranteed Issue and Living Promise. The premium payments remain constant and are due until the age of 100. Death benefits are exempted from the tax payment. They are either provided in a lump sum amount or used to buy a single-premium immediate annuity resulting in installment payments with a range of payout periods.

The coverage range for Guaranteed issue life insurance is from $2,000 to $25,000, whereas the coverage available for living promise is from $2,000 to $40,000. People from the age bracket of 45 to 85 can apply for the former policy, whereas people between the age of 45 to 80 or 85 can apply for the latter policy option. Both the policies can be acquired easily without any medical exam.


+ Universal Life Insurance

The Universal Life Insurance from Mutual of Omaha consists of four policies: Life Protection Advantage, Income Advantage, Guaranteed Universal Life, and AccumUL Answers. All these policy options are variable with flexible premium payments. With no particular age limit, the premiums are to be paid until the age of 120.


Death benefits are offered in either one lump sum amount or used to purchase premiums. A certain amount of premium translates into cash value that the person can access within the due time. The policy option, in addition to death benefits, also provides terminal and chronic illness benefits.


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