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When you shop for life insurance through Quotacy, you have access to the country’s top-rated life insurance companies. Is United of Omaha the right term life insurance company for you? In this video, we review United of Omaha to help you make an informed buying decision.

Video Transcript

Hey everyone we’re Jeanna and Natasha and we work at Quotacy. Quotacy is an independent life insurance broker this means we have the ability to sell policies from multiple life insurance companies giving you more options.

Today we’re going to give a review of United of Omaha one of the life insurance companies we work with. United of Omaha is an American company headquartered in, you guessed it, Omaha, Nebraska and has been around since 1909.

Overall, United of Omaha is a great company and excellent for applicants who have some family health history challenges.

Quotacy only works with top-rated life insurance companies which means they are rated A or better and United of Omaha is no exception. Being A rated or better means the company is financially secure so you won’t have to worry about your policy’s death benefit not being paid.

To stand out in the competitive life insurance industry, some companies cater to different health or lifestyle niches. United of Omaha is excellent for those with an iffy driving record and if you have family health issues.

United of Omaha is Excellent for:

  • Accelerated Underwriting
  • Driving Record (Speeding Tickets)
  • Family Health History
  • Healthy Individuals

 
 
This means that while some companies may see these particular factors as higher risk than normal United of Omaha is a bit more lenient.

Let’s talk about what we like in regards to United of Omaha’s policies and buying process.

United of Omaha’s level term product is called Term Life Answers and it’s sold in term lengths of 10, 15, 20, and 30 years. The smallest amount of term life insurance you can purchase is $100,000 and this is pretty standard.

United of Omaha’s Term Life Answers Policy

Available Term Lengths

10, 15, 20 and 30-year policies available (depending on applicant’s age)

Available Coverage Amounts

$100,000 and up

Grace Period for Missed Payments

31 Days

 

Overall, United of Omaha is a great company and excellent for applicants who have some family health history challenges.

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Depending on the life insurance product, there’ll be different policy riders available. Life insurance policy riders are additional benefits that you can add on to your policy at the time of purchase.

United of Omaha’s term policy offers an accelerated death benefit rider, accidental death benefit rider, premium waiver for disability rider, a child rider, and a waiver of premium for unemployment rider.

Available Riders on UoO policies

Accelerated Death Benefit Rider

(Included in all United of Omaha policies)

Accidental Death Benefit Rider

(Available at additional cost)

Premium Waiver for Disability

(Available at additional cost)

Child Rider

(Available at additional cost)

Waiver of Premium for Unemployment

(Available at additional cost)

 
 
Let’s break these down.

Accelerated Death Benefit Rider

This rider is included in your policy at no charge. It gives you access to a portion of your policy’s death benefit if you are diagnosed with a terminal illness resulting in 12 months or less to live.

 
 
An accelerated death benefit rider is included in United of Omaha term policies at no charge. This rider gives you access to a portion of your policy’s death benefit if you are diagnosed with a terminal illness resulting in 12 months or less to live.

Accidental Death Benefit Rider

(Available for an additional cost)
 
Your policy’s beneficiary will receive an increased death benefit if you die due to an accident.Rider cost varies by age and benefit amount with options ranging from $10,000 to $100,000—not to exceed the policy’s face amount.

 
 
An accidental death benefit rider is available on United of Omaha term policies for an additional cost. With this rider, your policy’s beneficiary will receive an increased death benefit if you were to die due to an accident. This rider is a popular add-on for applicants who perhaps have a dangerous job or participate in risky hobbies.

Premium Waiver for Disability

(Available for an additional cost)
 
If you purchase this rider, United of Omaha will waive premium payments during a period of total disability lasting six consecutive months or more. The waived payments don’t have to be paid back. This rider is not available on all policies and its cost varies by age.

 
 
A premium waiver for disability rider is available on United of Omaha term policies for an additional cost. With this rider, United of Omaha will waive your premium payments during a period of total disability lasting six consecutive months or more.

Child Rider

(Available for an additional cost)
 
You can add a Child Rider to your term policy for a small annual fee. This rider covers each of your children under age 18 with options ranging from $1,000 to $10,000 in coverage per child. Ask your Quotacy agent for more details.

 
 
A child rider is available on United of Omaha term policies for an additional cost as well. For a small annual fee, a child rider provides $1,000 to $10,000 of life insurance coverage on all of your children less than 18 years of age. It also would include any future children you may have or adopt.

Waiver of Premium for Unemployment

(Available for an additional cost)
 
If you purchase this rider, if you become unemployed for at least four consecutive weeks, United of Omaha will waive premium payments during a period of total disability lasting six consecutive months or more. The waived payments don’t have to be paid back. This rider is not available on all policies and its cost varies by age.

 
 
A waiver of premium for unemployment is available on United of Omaha term policies at no cost. With this rider, if you become unemployed for at least four consecutive weeks United of Omaha will waive premium payments up to a total of six months and these payments do not have to be paid back.

If you’re interested in any of the riders we mentioned, let your Quotacy agent know after you apply. They’ll let you know the exact cost of any rider you want to purchase and can add it to your policy during the buying process.

If you’re looking for life insurance, United of Omaha is a good option. If you have a not-so-stellar driving record or not-so-stellar family health history then United of Omaha is a great option.

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When you apply through Quotacy, we’ll review your application to double-check that you’ve chosen to apply to a company that will give you the most favorable outcome. The final choice is of course 100% your decision we simply aim to be completely transparent and make sure you know all your options. Quotacy can help you get life insurance from United of Omaha or any of the other top-rated life insurance companies we work with.

And why should you get life insurance through Quotacy?

Our agents are licensed in all 50 states and they work on salary, not commission, so we’ll never try and upsell you. We work for you, not the insurance companies. You won’t pay any extra fees or charges to use our services.

Get a free, instant term life insurance quote now from multiple top-rated life insurance companies without giving away any contact information. Bye!

About the writer

Headshot of Natasha Cornelius, a life insurance writer, for Quotacy, Inc.

Natasha Cornelius

Writer, Editor, and Co-host of Quotacy's Q&A Fridays

Natasha is the content manager and editor for Quotacy. She has been in the life insurance industry since 2010 and has been making life insurance easier to understand with her writing since 2014. When not at work, she's probably studying and working toward her Chartered Life Underwriter (CLU) designation while throwing a tennis ball for her pitbull mix, Emmett, or curled up on her couch watching Netflix. If it’s football season, the Packers game will be on. Connect with her on LinkedIn.