In uncertain times, having financial security is a must. Families and individuals look for a life insurance partner they can trust. They want someone to protect their income, cover debts, and keep their futures safe when unexpected things happen.
United of Omaha life insurance has a long history, starting with Mutual of Omaha in 1909. It’s known for its stability, clear choices, and happy customers. This review explains why many see United of Omaha as a trustworthy choice .
We’ll look at all types of insurance they offer: term, whole, universal, and guaranteed-issue final expense. We’ll talk about costs, who can get it, riders, and how claims are handled. This way, you can see if United of Omaha life insurance is right for you.
Key Notes;
- United of Omaha underwrites Mutual of Omaha life products with a long, policyholder-owned history dating to 1909.
- 2025 highlights include higher age limits, no-exam whole life options, and Term Life Express simplified underwriting.
- Expect clear choices for term, whole, universal, and guaranteed-issue final expense coverage nationwide (with New York exceptions).
- Costs vary by age, health, and coverage; this review gives sample premiums and factors that drive rates.
- Use the guide to compare united of omaha life insurance reviews, weigh strengths and limits, and choose the best fit for your family.
Overview of United of Omaha and Mutual of Omaha history and reputation
Mutual of Omaha started in 1909. It grew from a local to a national company. It’s a mutual company, where policyholders own it, not outside investors.
United of Omaha Life Insurance Company makes many life products. Companion Life handles some New York policies and annuities.
Company background and mutual structure
Mutual of Omaha is a mutual life insurer. It focuses on long-term value for policyholders. It sells products through agents, phone, and a few branch offices in 27 states.
It offers term, whole, universal, and indexed universal life insurance. They also have guaranteed-issue whole life, long-term care, disability, and more.
Financial strength and ratings
Independent ratings show Mutual of Omaha is financially strong. AM Best says it’s good for paying claims and staying solvent. J.D. Power ranked it sixth in the 2024 U.S. Individual Life Insurance Study.
Customer satisfaction and regulatory complaint trends
Customers are generally happy with Mutual of Omaha. J.D. Power says it’s good at service and claims. The Better Business Bureau gives it an A+ rating.
The NAIC complaint index is about average for its size. Online, people talk both positively and negatively. Some like the final expense plans and whole life for kids. Others have had bad service experiences.
Mutual of Omaha’s customer service tries to fix problems. The company is known for its products for seniors and guaranteed-issue whole life. It offers many products but has limited branches and online term quotes.
Available life insurance plans from United of Omaha
United of Omaha offers a range of life insurance plans. They have short-term and permanent policies. Each plan meets different needs and budgets.
Term life policies and Term Life Answers features
Term Life Answers is available for 10, 15, 20, and 30 years. It’s for people aged 18–80. The minimum death benefit is $100,000.
For large cases, underwriter approval is needed. This is because the upper limits are not listed publicly.
Term Life Express has simple underwriting. It doesn’t require a medical exam for many. Coverage amounts vary by age.
People aged 18–50 can get $25,000–$300,000. Those aged 51–60 can get $25,000–$250,000. And those aged 61–75 can get $25,000–$150,000.
Conversions to permanent coverage are possible without a new medical exam. Mutual of Omaha doesn’t offer online term quotes. You need to contact an agent or call them for pricing.
Whole life options, guaranteed-issue details and children’s whole life
United of Omaha’s whole life insurance has level premiums and cash value. Guaranteed-issue whole life doesn’t require a medical exam or health questions for many.
It offers coverage from $2,000–$25,000. Washington allows $5,000–$25,000. Age eligibility is 45–85, with New York having narrower bands.
Children’s whole life policies are for ages 14 days–17 years. Benefit sizes are $5,000–$50,000. No medical exam is needed, and health questions are few.
Cash value builds over time. It allows for lifelong coverage when premiums continue.
Universal and indexed universal life products
United of Omaha offers flexible universal life contracts for long-term planning. Life Protection Advantage is an indexed universal life product. Its cash value is tied to indices like the S&P 500.
It guarantees death benefits until about age 90 under standard provisions. Income Advantage links cash-value growth to the stock market. AccumUL Answers requires a medical exam and offers a minimum interest credit.
Universal policies allow for flexible premiums and adjustable death benefits. Active monitoring helps avoid underfunding and policy lapse.
Final expense / burial-oriented whole life suitability
Guaranteed-issue whole life is for burial planning and small legacy needs. It doesn’t require a medical exam. Coverage up to $25,000 is common for final expense insurance.
These whole life options are practical for burial insurance. They help pay for funeral and final bills easily.
Who each plan is best suited for
United of Omaha life insurance fits different needs at various life stages. It’s based on how much you can spend, your health, estate goals, and how far ahead you plan. Here’s a quick guide to help you choose the right plan for you.
Young families and term life suitability
Young people with mortgages or kids benefit most from term life. Term Life Answers and Term Life Express offer high death benefits at a lower cost when you’re younger.
These plans have term lengths from 10 to 30 years. They match the time you might have a mortgage or raise kids. Term Life Express is for those who need quick approval and basic coverage. For bigger face amounts, Term Life Answers might approve more after a medical review.
Seniors and guaranteed whole life without exams
Seniors looking for guaranteed whole life without medical exams have a clear choice. You can apply up to age 85 in most states. New York allows it for younger ages too.
This option is great for covering burial costs, small estate needs, or a modest legacy. It’s also good for parents wanting long-term protection at a low cost. Consider children’s whole life for early guaranteed coverage.
High-net-worth or long-term planners and universal life use cases
Universal and indexed universal life plans are for those wanting permanent coverage and cash-value growth. Life Protection Advantage, Income Advantage, and AccumUL Answers offer flexible funding and tax-deferred growth.
These plans are good for tax planning, estate transfer, or supplementing retirement income. High-net-worth individuals should compare policy limits and features with other carriers like Guardian. This ensures they get the right amount and advanced planning tools.
Practical next steps:
- Estimate coverage need against mortgage and income replacement goals.
- Compare no-exam whole life prices if quick approval and simplicity matter.
- Consult a licensed agent for universal life illustrations tied to long-term cash-value goals.
underwriting, eligibility and application process
United of Omaha and Mutual of Omaha use both traditional and simple underwriting. The process from quote to policy varies by product, age, and state rules. Agents are key, with phone and online options for some policies.
Age limits by product and New York state exceptions
Term life policies accept applicants 18–80, with New York limits at 75. Whole life policies accept 45–85, with New York limits at 50–75.
United of Omaha can’t sell some products in New York. Agents will tell you about age limits early on.
Medical exam requirements and Term Life Express simplified underwriting
Term Life Answers often needs a full medical exam for big face amounts. Term Life Express offers no-exam underwriting for up to age 75, with coverage limits by age.
Guaranteed-issue whole life has no exam and few health questions. Universal products like AccumUL Answers need a full exam.
Expedited programs have varying processing times. Term Life Express can take weeks for review and approval if more checks are needed.
How to apply: phone, agent, online purchase options
Term policies usually can’t be bought online. You must call Mutual of Omaha or work with an agent to apply. The united of omaha life insurance phone number is on their contact pages for quick service.
Guaranteed-issue whole life and children’s whole life have easy online forms. These ask for basic info and then guide you through the application.
Agents help with complex cases, like big face amounts or riders. You need a united of omaha life insurance login for policy services and account access.
| Action | Best for | Typical timeline | Notes |
|---|---|---|---|
| Phone with agent | Term life, complex needs | 1–6 weeks | Use united of omaha life insurance phone number to reach sales or service teams; agent handles forms and follow-up |
| Online apply | Guaranteed-issue whole life, children’s policies | Hours to 2 weeks | Simple form feeds into united of omaha application; instant quotes for eligible products |
| Simplified underwriting (Term Life Express) | Moderate coverage, ages up to 75 | 1–4 weeks | No exam in many cases; caps vary by age; check Mutual of Omaha agent guidance |
| Full medical underwriting | High coverage limits, universal life | 2–8 weeks | Medical exam and records often required; AccumUL Answers typically needs exam |
Cost breakdown and sample premium estimates
Understanding premiums helps shoppers compare options. This section breaks down the core drivers of price. It gives sample ranges for term life rates and united of omaha life insurance costs .
How premiums are determined: age, health, gender, coverage amount, riders
Age is the biggest factor in pricing. Younger buyers pay less for the same coverage. Health status is also important.
Medical history, chronic conditions, and recent hospitalizations can increase costs. Gender also plays a role, as women generally live longer.
Coverage amount directly affects cost. A $500,000 death benefit costs more than $100,000. Policy type also matters, with term policies being cheaper than whole life or universal life.
Riders add steady charges. Add-ons include accidental death benefit and waiver of premium. Dependent child coverage and chronic or critical illness riders are also common.
Average monthly/annual premiums by age group for common coverage levels
Market surveys show wide ranges, not fixed quotes. For a 20-year term, healthy nonsmoking adults see monthly rates from $20 to $150. This depends on age and benefit size.
Whole life starts higher. These figures align with expectations for affordable life insurance 2025 when shopping with established carriers.
| Age | Policy type | Coverage | Typical monthly range | Estimated annual cost |
|---|---|---|---|---|
| 25 | 20-yr term | $250,000 | $15–$35 | $180–$420 |
| 35 | 20-yr term | $500,000 | $25–$65 | $300–$780 |
| 45 | 20-yr term | $500,000 | $55–$150 | $660–$1,800 |
| 55 | 20-yr term | $250,000 | $90–$200 | $1,080–$2,400 |
| 65 | Guaranteed whole life | $10,000 | $30–$120 | $360–$1,440 |
Impact of health conditions and smoker vs. non-smoker pricing
Underwriting assigns classes like preferred, standard, or substandard. High blood pressure, diabetes, or major illness can move applicants into higher classes. This increases united of omaha life insurance costs.
Smokers pay much higher premiums. No-exam whole life skips full medical checks for many applicants. This creates access for those with health history but limits face amounts.
For shoppers who expect health changes, a term-to-permanent conversion option preserves insurability. This keeps early term life rates lower.
Practical steps: run online calculators, ask an agent for united of omaha term life insurance quotes, and compare rider costs. Those who want affordable life insurance 2025 should lock in coverage at a younger age. Avoiding tobacco can also minimize long-term premium growth.
Policy features, riders and living benefits
Riders can turn a basic policy into a flexible financial tool. United of Omaha and Mutual of Omaha offer riders for more protection. These include death benefit increases, disability protection, and living benefits. Riders differ by state and product, so check with an agent first.
Many riders meet personal needs. An accidental death benefit boosts payouts for accidents. A waiver of premium rider stops payments if you’re disabled but keeps your policy active.
The dependent children rider gives small face amounts to kids under one policy. This avoids the need for separate policies for each child.
Living-benefit riders offer early access to funds under certain conditions. The accelerated death benefit helps terminally ill people with medical or living costs. Critical illness riders pay out on diagnosis of serious conditions like heart attacks.
Chronic illness riders release funds if you can’t do daily activities. Availability of these riders depends on the product and state laws. Mutual of Omaha riders are available for many term products, but specifics vary.
United of Omaha riders may include special waivers for unemployment or major damage. These suspend premiums for a time.
Conversion provisions help with long-term planning for term policyholders. Some policies let you convert to whole or universal life without a new medical exam. Check with an agent for details on conversion rules and limits.
Universal life products offer flexibility with adjustable premiums and death benefits. Policy loans and withdrawals have rules that affect performance. When riders act as living benefits, they reduce the death benefit. Consider the cost versus immediate need before choosing.
Practical steps: review rider costs, check state availability, and compare conversion rules. Talk to a licensed agent from Mutual of Omaha or United of Omaha. They can help match riders to your family’s needs and financial goals.
Pros and cons of United of Omaha life insurance
United of Omaha offers simple products and features for older buyers. This guide highlights the good and bad points. It helps you compare and decide.
Strengths
It has high age limits, letting older people buy. Term coverage goes up to 80, and whole life to 85. But, New York has different rules.
It has no-exam whole life and a kids’ whole life option. These make buying easy for seniors and parents. Many term policies also let you change plans without losing coverage.
United of Omaha gets good reviews. It’s rated high by J.D. Power and the Better Business Bureau. This shows it’s reliable and handles claims well.
Limitations
It doesn’t offer online term quotes or self-service buying. You need to call or use an agent for many prices.
Guaranteed-issue whole life has small benefit caps, usually around $25,000. This limits its use for big estate needs. Term Life Express also has low face-amount limits, under $300,000 for some groups.
It doesn’t have as many offices or digital tools as some competitors. This might be a problem for those who want to manage their policy online.
How pros and cons affect buyer profiles
Seniors and those needing final-expense coverage get big benefits. High age limits and guaranteed-issue options make buying easy when it’s hard to get coverage.
Young families wanting big face amounts and quick quotes might look elsewhere. The limits on no-exam face amounts and lack of online term pricing are drawbacks for speed and scale seekers.
Those planning for the long term can use United of Omaha’s universal and indexed universal products. But, big buyers should compare with other carriers for more money and investment options.
When comparing, consider these reviews and other carriers. Think about what you need, like convenience, face amounts, and age rules. A clear list of pros and cons helps make your choice easier.
Customer service, claims experience and contact information
Getting help with your policy should be easy. Mutual of Omaha offers many ways to contact them. You can call, email, or visit in person in some places.
Phone numbers, hours, and how to reach agents for quotes
Call 866-248-2851 for sales help Monday–Friday 8:30 a.m.–4:30 p.m. ET. For general service, dial 800-775-6000 during Central Time hours. To file a claim, call 800-775-1000 during CT hours.
For term life quotes, you need to talk to an agent. You can buy guaranteed-issue whole life online in many states. Ask your agent for the united of omaha life insurance provider phone number for direct help.
Claims reliability and J.D. Power / BBB performance
Mutual of Omaha has an A+ rating from the Better Business Bureau. They ranked sixth in customer satisfaction in a 2024 J.D. Power study. They also have a good track record with NAIC complaints.
They are known for reliable claims payments. People say they handle claims well and communicate clearly.
Online account access, login and payment options
Policyholders can manage their accounts online. Use the united of omaha life insurance login to see documents and update info. There’s no mobile app, so the website is key.
You can pay premiums online. If you have trouble, call the united of omaha life insurance phone number. Your agent can also help with the united of omaha life insurance provider phone number.
Here’s what to do next: call sales for a quote, log in to review your policy, and set up automatic payments to avoid lapses.
Comparing United of Omaha to other top insurers
When picking life insurance, it’s good to compare. United of Omaha stands out for its guaranteed-issue whole life and higher age limits. Others beat it in online ease, bigger no-exam term caps, or special deals.
Head-to-head features vs Guardian
Guardian is great for quick online term quotes and big no-exam limits. It can offer term up to $5 million and some no-exam approvals near $3 million. Mutual of Omaha’s Term Life Express has a cap of about $300,000 for many, but bigger cases need underwriting.
For those who care about dividends, Guardian is a good pick. It has a long history of paying dividends on whole life. Mutual of Omaha also offers dividend-eligible products but has fewer whole-life options. If you need high coverage and quick quotes, go with Guardian. For age limits, guaranteed-issue, or final-expense focus, Mutual of Omaha is better.
Head-to-head features vs State Farm
State Farm is known for local agents and discounts on multiple policies. Its final-expense whole life policies go up to $15,000. Mutual of Omaha’s guaranteed whole life can reach $25,000, making it better for burial and small guaranteed benefits.
Consider Mutual of Omaha if bundling is important. State Farm offers discounts on homes and cars that can save money. Mutual of Omaha doesn’t have these lines, so it can’t offer the same savings. State Farm is best for those who want to bundle. Mutual of Omaha is better for guaranteed-issue and standalone life products.
When United of Omaha is the better choice and when to shop elsewhere
United of Omaha is great for seniors, families with kids, and those looking for indexed or universal options. Many reviews praise its customer service and clear final-expense products.
Look elsewhere for very large no-exam term amounts, quick online quotes, or a wide range of whole-life options. For the best life insurance in Omaha, compare Mutual of Omaha, Guardian, and State Farm. Choose based on what matters most to you.
Conclusion
United of Omaha, backed by Mutual of Omaha, offers a great mix . It has easy-to-get whole life for seniors and final expense needs. It also has flexible universal and indexed universal for long-term plans, and term policies that turn into permanent ones.
Reviews show it’s reliable, with high ratings from J.D. Power and an A+ from the BBB. This makes it a trustworthy choice.
It has many good points like high age limits and no-exam whole life options. But, it has some downsides like capped face amounts and no online term quotes. This makes it hard for some to buy online.
For those looking for affordable life insurance and quick funeral coverage, United of Omaha is worth looking at. If you want big term limits and instant quotes, compare it with Guardian and State Farm first.
Here’s what to do: ask for custom quotes and learn about Term Life Express and conversion options. Also, check coverage limits by age with an agent. Use calculators and get different offers to compare.
Make sure to check out the riders and underwriting details. Also, confirm how you can manage your account online before buying. This ensures you can pay and access your policy easily.
In short, United of Omaha is a solid choice for seniors and families. It’s known for its reliable whole life and mutual company stability. When choosing, weigh the cost and convenience against other options, like high term face amounts or full online shopping.
