Carrier Review
Mutual of Omaha (United of Omaha)
Living Promise final expense and reliable underwriting
A.M. Best
A+ (Superior)
Founded
1909
Headquarters
Omaha, Nebraska
A mutual company owned by its policyholders rather than shareholders, Mutual of Omaha is widely regarded as one of the most consistent underwriters in the final expense and term markets.
Products offered
Term LifeWhole LifeFinal ExpenseMedicare Supplement
Pros and cons
What we like
- Excellent A+ financial strength rating
- Generous underwriting on many common health conditions
- Fast, clean claims service
What to watch
- Not always the lowest premium at the healthiest rate classes
Underwriting
Favorable; often approves conditions other carriers rate up or decline.
Our verdict
Our most frequent recommendation for final expense clients with health history. Reliability and claims experience justify a modest premium difference.
Mutual of Omaha (United of Omaha) FAQs
Someone is always watching over your family.
That's the whole idea. Let's make sure the plan behind it is real, funded, and matched to the people you love.