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The $5.86 per month rate is for a Mutual of Omaha whole life policy, underwritten by United of Omaha Life Insurance Company, a Mutual of Omaha Company, based on a $2,000 benefit for a healthy 45-year-old female non-tobacco applicant. Premiums vary by age, gender, tobacco use, health, coverage amount, and state. Rates and coverage are not guaranteed until an application is reviewed and approved by the insurer. Policy Form ICC18L1989P or state equivalent. Guaranteed acceptance, no medical exam, and no health questions apply to specific guaranteed-issue whole life products for applicants ages 45 to 85. Issue ages, availability, and terms vary by carrier and state. These plans include a two-year graded death benefit: for death from natural causes during the first two policy years, the benefit is limited to a return of premiums paid plus interest rather than the full face amount. Maximum coverage amounts vary by carrier, age, and product. Up to $25,000 reflects typical guaranteed-issue maximums and is not available to every applicant. Whole life premiums are level and do not increase due to your age or health as long as premiums are paid on time. Other product types differ. Same-day coverage depends on the carrier, the product, and the information you provide, and is not guaranteed. Life insurance death benefits are generally paid income-tax-free to beneficiaries. This is general information, not tax advice; consult a tax professional. Mutual of Omaha and United of Omaha are trademarks of their respective owners and are referenced for identification only.
These policies contain benefits, reductions, limitations, and exclusions, and may vary by state. Life insurance referenced is underwritten by United of Omaha Life Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175, which is licensed nationwide except New York and does not solicit business in New York. In New York, Companion Life Insurance Company, Melville, NY, underwrites life insurance and annuities. Each underwriting company is responsible for its own financial and contractual obligations and its own administrative and claims-paying decisions.
United of Omaha Life Insurance Company is rated A+ (Superior) by A.M. Best, the second highest of 16 ratings. A rating reflects the overall financial strength of the company only and is not a recommendation of any specific policy, provision, rate, or practice. Other carriers we compare carry their own independent ratings.
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