Introduction
When planning for your family’s future, life insurance is one of the most important financial decisions you can make. Choosing the right provider requires trust, stability, and a track record of reliability. United of Omaha Life Insurance, a Mutual of Omaha company, has been a trusted name in the industry for decades. In this guide, we’ll provide an in-depth review of United of Omaha Life Insurance—covering its products, strengths, customer satisfaction, and what makes it a competitive option in 2025.
Whether you’re new to life insurance or looking to switch providers, this article will help you make an informed decision.
What Is United of Omaha Life Insurance?
United of Omaha Life Insurance Company is a subsidiary of Mutual of Omaha, a well-established insurance and financial services company founded in 1909. United of Omaha handles most of the life insurance and annuity products offered by Mutual of Omaha. With over a century of experience, the company is known for financial stability and excellent customer service.
✅ Parent Company: Mutual of Omaha
✅ Founded: 1909
✅ AM Best Rating: A+ (Superior)
✅ BBB Rating: A+ (Accredited)
Why Choose United of Omaha Life Insurance?
Choosing a life insurance provider isn’t just about monthly premiums—it’s about peace of mind, long-term reliability, and policy options that meet your needs. Here’s why many Americans trust United of Omaha Life Insurance:
1. Financial Strength
One of the key pillars of E-E-A-T (specifically “Trustworthiness”) is knowing that your insurer will be there when your loved ones need it most. With over $45 billion in assets and a consistently high AM Best rating, United of Omaha is a strong and stable provider you can count on.
2. Product Variety
Whether you’re looking for term life, whole life, or guaranteed issue policies, United of Omaha offers flexible solutions to fit different age groups and health conditions.
3. Guaranteed Issue for Seniors
Not everyone qualifies for traditional life insurance. Their Guaranteed Whole Life policy is available without a medical exam, making it a popular choice for seniors aged 45–85.
4. Living Benefits
Some United of Omaha Life Insurance policies offer Accelerated Death Benefits. If you’re diagnosed with a terminal illness, you may access a portion of your benefit early, offering critical financial relief.
5. Affordable Rates
Their term life insurance policies are priced competitively, and policyholders can convert to whole life coverage without a medical exam.
Life Insurance Products Offered by United of Omaha
Understanding the different types of policies helps you select what best aligns with your financial goals and family situation.
✅ Term Life Insurance
- Best for: Young families, mortgage protection, income replacement
- Coverage: 10, 15, 20, or 30 years
- Features: Affordable premiums, convertible to permanent life insurance
Term policies from United of Omaha are some of the most competitively priced on the market and can be a great fit for those with temporary insurance needs.
✅ Whole Life Insurance
- Best for: Long-term planning, estate planning, final expenses
- Features: Fixed premiums, cash value accumulation, lifetime coverage
This type of policy is ideal if you want guaranteed coverage and a product that builds cash value over time.
✅ Guaranteed Whole Life Insurance
- Best for: Seniors and those with health concerns
- Eligibility: Ages 45–85 (50–75 in NY)
- No medical exam required
This policy is easy to qualify for and provides peace of mind that your loved ones won’t be burdened with funeral costs or final expenses.
Customer Satisfaction & Reviews
Mutual of Omaha, and by extension United of Omaha Life Insurance, receives high marks in customer satisfaction. According to J.D. Power, the company consistently ranks above industry average in life insurance customer service.
Pros noted in customer reviews:
- Fast and simple online applications
- Competitive pricing
- Friendly, U.S.-based customer support
- Transparent communication about policy details
How to Apply for United of Omaha Life Insurance
You can apply directly through their website, via a licensed agent, or through trusted partners like MyPolicyCoverage.com. The process typically involves:
- Quote Request – You answer a few basic questions (age, coverage amount, etc.)
- Underwriting – Depending on the policy, this may include a medical exam or a few health-related questions.
- Approval & Policy Issuance – Some policies are approved in 24–48 hours.
Who Should Consider United of Omaha Life Insurance?
United of Omaha Life Insurance is a great fit for:
- Young adults looking for affordable term life coverage
- Seniors or those with health issues seeking guaranteed coverage
- Families wanting long-term security and cash-value accumulation
- People seeking a reputable, financially strong insurer
United of Omaha vs. Competitors
| Feature | United of Omaha | State Farm | AIG | Colonial Penn |
|---|---|---|---|---|
| AM Best Rating | A+ | A++ | A | B++ |
| Guaranteed Issue? | ✅ Yes | ❌ No | ✅ Yes | ✅ Yes |
| Online Quotes | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| Medical Exam Required? | Optional | Sometimes | Sometimes | No |
| Living Benefits | ✅ Yes | ✅ Yes | ✅ Yes | ❌ No |
As seen above, United of Omaha Life Insurance offers a balance of reliability, flexibility, and affordability—especially in the guaranteed issue space.
Final Thoughts: Is United of Omaha Life Insurance Right for You?
If you’re looking for a trusted, well-established, and financially secure life insurance provider, United of Omaha Life Insurance should be at the top of your list. Their range of life insurance products suits a wide range of needs—from young families to retirees looking for final expense protection.
With affordable rates, strong financial backing, and a commitment to customer satisfaction, United of Omaha offers true peace of mind.
Get a Quote Today
At MyPolicyCoverage.com, we help you compare quotes from top providers, including United of Omaha Life Insurance. Our licensed agents are here to assist you in finding the right coverage that fits your budget and life goals.
👉 Click here to request a personalized quote now
Or call us directly to speak with a licensed insurance agent.
Frequently Asked Questions (FAQ)
Q: Is United of Omaha Life Insurance the same as Mutual of Omaha?
A: Yes. United of Omaha is the life insurance subsidiary of Mutual of Omaha.
Q: Can I get life insurance with no medical exam?
A: Yes. Their Guaranteed Whole Life policy requires no exam or health questions.
Q: Is United of Omaha Life Insurance available in all states?
A: Yes, though product availability may vary slightly by state.
Q: Can I buy a policy online?
A: You can start the process online, but speaking with a licensed agent can help ensure you’re getting the right plan.
