Mutual Of Omaha Life Insurance Review

Mutual of Omaha reviews

Mutual of Omaha opened its doors in 1909.  During its early years, they laid their foundation based on innovation and a focus on superior customer service. Mutual of Omaha life insurance reviews from customers show us that those foundational characteristics still remain true today.

Because of the company’s “ability to meet ongoing obligations to policyholders” and because of its strong financial foundation, AM Best gives Mutual of Omaha an A+ rating.  This is the second highest rating offered by AM Best and reflects “Superior” financial strength. This definitely makes Mutual of Omaha a great company to look into, but there are also many other top-rated life insurance carriers as well.

Don’t make a final decision on your life insurance coverage before you look at some of the most popular choices. We have reviews of Zander Insurance, Primerica Life Insurance and United Home, and many more.

Throughout the years Mutual of Omaha has been on the cutting-edge of the insurance industry.  For example – they extended insurance coverage to women wage earners during World War I and became the first company to include a rehabilitation provision in their disability income protection policies in 1960.  They continue to be active in their local communities.  The list goes on.

Also, Mutual of Omaha also writes life insurance under the United of Omaha name.

Our Mutual of Omaha Life Insurance Review

One of the biggest benefits that comes to mind with Mutual of Omaha are the company’s highly-competitive rates. These affordable insurance rates and the company’s very aggressive underwriting guidelines when it comes to various health ailments make it a very popular choice among consumers.

Mutual of Omaha life insurance offers a range of great permanent life insurance products. One of the most popular of these products is Mutual of Omaha’s “no lapse universal life” policies.

The company’s innovative thinking led them to create the Fit program. Mutual of Omaha’s Fit programs provides credits to help consumers move from a “substandard” offer to a more favorable one. Individuals are rewarded for having a good driving record, a good family health history, not smoking and other health-related items. Though do not allow poor health to hinder you from seeking a great life insurance policy, we can still find you a company who will sell you a no exam policy. 

They also have implemented e-signature technology for both their term and permanent products which means you can apply without a stack of papers staring you down…oh yeah, and it’s really convenient when buying life insurance over the phone.  We use their e-signature technology as much as clients feel comfortable with using it.

Mutual of Omaha offers great products and great service to our customers. We love working with the company and always recommend their coverage to our customers when given the opportunity.

At Rootfin, we would love to earn your business and provide you with an insurance quote from Mutual of Omaha. Contact us and one of our experienced agents will gladly answer any of your questions and find you the best rate on Mutual of Omaha life insurance.

Deciding Which Policy Is Right For You

If Mutual of Omaha or one of the thousands of other companies, it’s important that you purchase the right type of coverage for you and your family. The two main types of life insurance plans are term insurance policies or whole life insurance plans. Each of them has different advantages or disadvantages that you should consider based on your specific needs.

Term life insurance plans are the most common types that people purchase. These plans are bought with a predetermined expiration date, and after that date, the plan is no longer active, which means that you won’t have life insurance coverage. Because these plans are going to expire in the future, they are going to be more affordable than other types of coverage. You can buy these plans in a variety of lengths, anywhere from 5 years to 30 years.

The other main type of coverage is whole life insurance plan. This is a plan which won’t expire. You have insurance for as long as you pay the premiums. A part of your monthly rates go to a cash value component. Because they don’t expire and have cash value, they are more expensive.

How Much Life Insurance Do You Need?

One of the most important decisions that you’ll make for shopping for insurance is how much coverage that you’ll need to buy. The vast majority of policyholders are drastically underinsured. That means that if something were to happen to them, their loved ones would be left with additional bills and expenses that they wouldn’t have to money for. There are several key categories that you’ll need to account for to ensure that you’re getting enough life insurance for your family.

First, add up your debts and other bills that your family would be left with. The primary goal of your insurance policy is to pay off any outstanding debts that your loved ones would be responsible for. Before you purchase life insurance, add up your mortgage loan, student loans, business loans, and other outstanding loans. Losing a loved one will never be easy, but being stuck with hundreds of thousands of dollars of debt is going to make the situation a million times worse.

What about your paycheck? Your family wouldn’t have it anymore. They need the money to replace your income. Think about how long it would take them to get back on their feet and find a permanent source of income.

Why Choose Us To Represent You With Mutual of Omaha?

Mutual of OmahaAs an independent insurance provider, our company is not required to promote certain companies and coverages. This allows us to take a customer-first approach to insurance services.  If Mutual of Omaha is best for you, we won’t hesitate to offer them.

Much like Mutual of Omaha life insurance reviews reflect a company that is focused on customer service, you will see the same importance placed on the customer here at Rootfin.  We make it point to ensure you are informed, educated and 100% satisfied with your insurance policy.

Please contact us today for your free life insurance quote or with any of your questions regarding life insurance from Mutual of Omaha. Whether you are looking into purchasing your first life insurance policy, or looking to replace one that is not of much benefit to you, we are here to help!

We are a group of independent insurance agents, which means that we don’t work with just one single company, like Mutual of Omaha. We’ve built ties with 60 carriers. We can sell you plans from all of them. We can custom tailor a plan for you to meet your exact needs.

Want to read some of our other reviews? Just out some of the other carriers we’ve detailed.

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About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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