Loran Marmes

Mutual of Omaha Final Expense Insurance, Mutual of Omaha, is one of the most popular and well-known life insurers in America and distributes its insurance products through several subsidiary companies across the U.S.


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In this article we are going to review just the Mutual of Omaha final expense product, keep reading for details and to compare rates for all the companies offering final expense life insurance in your area, just enter your information in the quote tool or call us at 844-528-8688.

One of their primary companies, United of Omaha, provides final expense insurance for seniors. This final expense life insurance referred to as the Living Promise is easily one of the most popular and affordable final expense companies available.


What about Mutual of Burial Insurance Plans

Mutual of Omaha final expense life insurance

As we mentioned earlier, Mutual of Omaha offer’s their final expense insurance through their Living Promise insurance product. The living promise policy is whole life insurance and as such, it contains all the benefits and guarantees of traditional whole life insurance.

Knowing that the majority of Living Promise customers will be seniors, Mutual of Omaha uses liberal underwriting guidelines for their Final Expense Insurance product.

That means that those applicants with minor health issues will be able to medically qualify for the level benefit first-day coverage.

This means that policyholders will not have to deal with waiting periods before their insurance policy will pay the full death benefit.

The company does not require a medical exam or blood/urine tests so the medical underwriting is gathered from the insurance application and the Medical Information Bureau.

Rather than waiting multiple weeks for coverage, Mutual of Omaha can typically have your policy issued I a week or two.


Mutual Of Omaha Final Expense Financial Stability?


Although Mutual of Omaha is always very competitive with its final expense insurance rates, it’s important to consider the company’s financial stability.

After all, policyholders should always be assured that their life insurer can pay their claim when the worst thing happens.

We can determine the company’s financial stability by taking a quick look at their ratings:

Rating Company

Rating Assigned

A.M. Best

A+ Superior

Moody’s Investor Services

A1 Good

Standard & Poor’s

A+ Strong

Better Business Bureau

3 Stars


This information provided by national rating services provides a clear indication that Mutual of Omaha and its subsidiary companies will have the resources available to pay its claims and future operating obligations.


Why Mutual of Omaha Whole Life Insurance when Term is usually Cheaper?


Although term life insurance is cheaper than whole life insurance, we must remember that term insurance is temporary. In fact, one of the primary reasons that term insurance cost less than permanent insurance is because most policyholders outlive their policy.

Even though most term insurance companies allow you to renew your policy at the end of the term, your renewal policy is usually for only one year which means your rates will go up dramatically with each birthday you celebrate.

Using whole life insurance as the foundation for your final expense insurance policy allows every policyholder to depend on certain guaranteed benefits:

  • Life Insurance Coverage Forever – Whole life final expense insurance is permanent and your insurance company cannot cancel your policy for any reason other than non-payment. When your beneficiary needs it, it will be there.
  • Premiums that remain Level – Surprises are not a good thing when it comes to insurance premiums (unless they go down). Once your final expense insurance policy is issued by the company, your premium remains level for the life of the policy. Your age or changes in health will never have an impact on your periodic premiums.
  • Cash for Emergencies – Since your final expense insurance is whole life insurance your policy’s cash value will grow over time as you make your payments and earn a minimum interest rate from the insurer. You can access this cash for any reason using policy loans, withdrawals, or policy surrender.

Tax-free Benefits – Your beneficiary will receive the death benefit from the insurance company tax-free.


What if I don’t Medically Qualify for a Level Benefit Policy?


Realizing that many seniors might likely have multiple health issues and not be eligible for the Living Promise Level Benefit plan, Mutual of Omaha offers a guaranteed issue policy that does not take health issues into consideration when they underwrite the policy.

Because of this, virtually any living person between the ages of 45 and 80 will qualify for up to $25,000 in coverage.

It’s important to note, however, that since the insurer has agreed to accept an unknown health risk, there will be a two-year waiting period before the insurance company will pay the full death benefit to your beneficiary if you die as a result of natural causes.

If, however, your death is the result of accidental causes, the full death benefit is paid from the day your policy is issued.

How Much does Mutual of Omaha Final Expense Insurance Cost?

Like any life insurance policy, the final rate you pay will depend on your age, your health, and the amount of insurance you want to purchase. Here are actual rates for Mutual of Omaha (United of Omaha) final expense insurance.

The rates provided are based on a $10,000 Final Expense Insurance Policy for a male and female non-smoker:

Applicant age


Level Benefit

Male Guaranteed Issue


Level Benefit

Female Guaranteed Issue









































For accurate quotes for your actual age, please visit our Final Expense Insurance quote tool on this page or give us a call at 844-528-8688 to get answers to any questions and a free and confidential quote.


How do I get a Mutual of Omaha Final Expense Insurance Plan


Starting your application for Mutual of Omaha Final Expense Insurance is the easy part of the process.

Once you’ve decided on a death benefit that will fit take care of your final expense insurance needs and fit into your budget, simply call or message one of the insurance professionals at MyBurialInsurancePlan and we’ll take the necessary information over the telephone.

As we mentioned earlier, no medical exam or blood or urine tests are required so we’ll forward your signed application to the company immediately.

A licensed agent will act as your advocate during the underwriting process and be there if any bumps in the roads present themselves during the process.

Once approved, we’ll accept your payment electronically and your policy package will be delivered soon after.



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To learn more about buying affordable burial insurance, and to find the best plan for your needs and budget, call MyBurialInsurancePlan.com at 844-528-8688 during normal business hours or use our Instant Insurance Quoter on the right side of this page.

About the Author


Loran Marmes headshotMy name is Loran Marmes and I am the owner of MyBurialInsurancePlan.com. I would like to explain why we are your best option when it comes to Life Insurance. We are an Independent Agency and we contract with all of the top-rated carriers in the country so we can offer you products and pricing tailored to your needs and budget. After a four-year tour of duty, I went into the printing business and enjoyed meeting with clients and helping them solve printing-related business issues. After years of 12-hour days in the printing business, I got my Health and Life Insurance license and decided to specialize in Life Insurance because I have seen first hand what happens to a family when the main breadwinner dies without any coverage. My intentions will always be to put your needs first so that I can deliver solutions that will accommodate your circumstances and your budget.