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United of Omaha

United of Omaha Term Life Insurance Review

United of Omaha is a solid company that excels at offering coverage for those with family health history challenges. They are the only company that underwrites based on death (not diagnosis). United of Omaha Life Insurance Company is part of the Mutual of Omaha corporate family.

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We're experienced

We've been in the life insurance industry since 1990, and have helped our customers protect their families with over $22 billion in coverage. That's a lot of happy customers.

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United of Omaha Company Overview

Location

Omaha, NE

Established

1909

Customers

507,000

Employees

5,200

Location

Omaha, NE

Established

1909

Active Policyholders

507,000

Employees

5,200

United of Omaha Ratings & Awards

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A.M. BestBetter Business BureauJ.D. PowerMoody’sStandard & Poor’s
A+A+789A1AA-

A.M. Best is an independent rating agency that ranks the financial strength of life insurance companies. Their best rating is an A++. Their worst is a D.

Better Business Bureau (BBB) is a non-profit that shares customer service feedback on businesses in the USA. BBB assigns ratings from A+ (highest) to F (lowest).

J.D. Power and Associates analyzes customers’ experiences with life insurance companies and ranks them on a scale from 1 to 1000.

Moody’s Investors Service is a leading provider of credit ratings, research, and risk analysis. Moody’s rating scale ranges from Aaa to C with 1, 2, and 3 to indicate whether the ranking is on the higher or lower end of that category.

Standard and Poor’s (S&P) is the world’s leading provider of credit ratings and creditworthiness. S&P’s scale ranges from AAA to D with + or – to define standing within each category.

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To stand out in a competitive industry, most insurers focus on serving health or lifestyle niches.

United of Omaha is excellent for:

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

United of Omaha is a solid company that excels at offering coverage for those with family health history challenges. They are the only company that underwrites based on death (not diagnosis).

United of Omaha Comparison Quotes

United of Omaha Term Life Answers

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CompanyMaleFemale
Age 30Age 40Age 50Age 60Age 70Age 30Age 40Age 50Age 60Age 70

AIG

$20.01$30.27$76.86$218.79$800.62$17.44$26.85$58.05$161.51$599.70

AXA

$26.53$37.65$79.54$230.88N/A$22.26$35.08$70.99$162.05N/A

Banner Life

$20.00$32.68$74.51$204.94$777.83$17.43$25.25$57.58$150.93$730.14

Haven Life

$20.17$30.58$76.00$207.66N/A$17.25$25.58$58.08$145.58N/A

John Hancock

$26.21$32.01$80.21$221.86N/A$23.61$27.26$66.91$178.76N/A

Lincoln Financial

$28.44$38.94$78.71$213.15$791.39$23.45$30.63$58.58$147.44$584.81

Minnesota Life

$22.42$31.18$87.12$235.40N/A$18.48$26.84$62.04$153.12N/A

Pacific Life

$20.19$30.26$75.22$207.36N/A$17.51$25.69$56.10$144.97N/A

Principal

$21.43$30.54$75.82$213.06N/A$18.52$25.81$57.58$147.79N/A

Protective

$20.00$28.74$75.24$203.75N/A$17.53$25.10$54.57$138.51N/A

Prudential

$33.25$41.56$83.56$250.25N/A$27.13$37.63$72.63$171.06N/A

SBLI

$21.32$34.97$87.00$286.85N/A$18.18$27.33$63.08$173.03N/A

United of Omaha

$21.22$33.47$83.78$240.41N/A$18.16$27.78$63.66$166.03N/A

US Life

$20.24$30.62$78.63$221.35$881.78$17.65$27.16$58.73$168.59$606.71

William Penn

$20.00$32.68$74.51$204.94$777.83$17.43$25.25$57.58$150.93$730.14

Sample monthly premium quotes for a $500,000, 20-year term policy for healthy, non-smoking individuals. Pricing varies by gender (except in Montana). Women pay less for life insurance than men because they live longer on average.

Your life insurance pricing may be different and is determined by your individual risk factors and the state where you have your primary residence. Pricing as of March 2018.

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United of Omaha Features & Benefits

What we like

  • Can be converted into a permanent policy.
  • Includes Accelerated Death Benefit Rider at no charge.
  • Includes Waiver of Premium for Unemployment Rider at no charge.*
  • Eligible applicants may not need a medical exam—if they qualify for accelerated underwriting.
  • Your medical exam can be done at home or work.
  • You can review your medical exam results upon request.
  • You can manage your policy online.

*State exclusions apply. Read the fine print below.

What could be better

  • Policy not delivered electronically.
  • Credit card payments are not accepted.

United of Omaha Policy Details

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Term Life Answers
Guaranteed level premiums?Yes
Term lengths available:10, 15, 20, 30*
Premiums returned at end of term?No
Riders available:Accelerated Death Benefit, Premium Waiver for Disability, Child Rider, Accidental Death Benefit, Unemployment Waiver
Accumulates cash value?No
Policy loans available?No
Minimum issue age:18
Maximum issue age:80
Minimum face amount:$100,000
Missed payment grace period:31 days**

*10-year term available for ages 18-80 (tobacco users ages 18-75); 15-year term available for ages 18-74 (tobacco users ages 18-70); 20-year term available for ages 18-68 (tobacco users ages 18-65); 30-year term available for ages 18-55 (tobacco users ages 18-50).

**State of issue, payment mode, and draft date can all impact the grace period end date. Your policy will state specifics.

» Compare: Term life insurance quotes

United of Omaha Riders

Increase your policy’s benefits with riders

Accelerated Death Benefit Rider

*Included 

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.

Accidental Death Benefit Rider

*Available at additional cost

Your policy’s beneficiary will receive an increased death benefit with this rider, if you die due to an accident. Cost varies by age and benefit amount with options ranging from $10,000 to $100,000.

Waiver of Premium for Unemployment

*Available at additional 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. The payments will not have to be paid back. This rider is not available on all policies and cost varies by age. Ask your Quotacy agent for details.

Child Rider

*Available at additional cost

For a small annual fee, add a child rider that covers your children under age 20. Options range from $1,000 to $10,000 in coverage per child. Ask your Quotacy agent for details.

Premium Waiver for Disability

*Available at additional cost

United of Omaha will waive premium payments if you become disabled and are unable to work. The waived payments don’t have to be paid back. This rider is not available on all policies and cost varies by age.

Learn more

Wondering what types of riders are beneficial?

United of Omaha Policy Service

Contact

  • Customer Service: (800) 775-6000
  • Fax: (402) 997-1906

Hours: Monday-Thursday 7:00 AM-5:30 PM, Friday 7:00 AM-5:00 PM Central

Payment Mailing Address

United of Omaha Life Insurance Company
3300 Mutual of Omaha Plaza
Omaha, NE 68175

Manage your policy online

  1. Visit www.mutualofomaha.com.
  2. Click Sign In in the upper right-hand corner and then Sign In again in the box that pops up.
  3. Click the blue Sign up link at the bottom of the white log-in box.
  4. Enter your personal info and policy number.

What you can do online

  • Make payments.
  • Update address.
  • Update banking info.
  • Download policy change forms.

The Fine Print

Guidelines & Exclusions

Accelerated Underwriting
  • A phone interview is required.
  • Underwriting will still include evaluation of medical records and motor vehicle records.
  • Eligibility
    • Ages 18-55 applying for coverage up to $1,000,000
    • Not available in New York.
  • Being eligible does not guarantee acceptance into the accelerated underwriting program.
  • If not accepted, you continue on to traditional underwriting in which a medical exam is required.
Term Conversion
  • Term Essential may be converted to any permanent life insurance policy.
  • For issue ages 59 and younger, convert your policy anytime during the term.
  • For issue ages 60-75 (ages 60-65 for Return of Premium Term), conversion period ends on the 5th policy anniversary.
  • Partial conversions are allowed.
Waiver of Premium for Unemployment Rider
  • Not available in Connecticut, Florida, Massachusetts, Minnesota, Tennessee, Virginia, or Washington State.
  • There is a 24-month waiting period after issue before you can make a claim.
  • You must provide proof of receiving state or federal unemployment benefits for four consecutive weeks.
Accelerated Death Benefit Rider
  • You may accelerate up to 80% of the death benefit—not to exceed $1,000,000.
  • When death benefit payout is accelerated, there is a processing fee of $100.
Child Rider
  • Newborn child covered at 15 days old.
  • Coverage ends when child turns age 25 and to be initially eligible for coverage, child must be unmarried and financially dependent upon the insured at time of issue.
  • Parent (or child) can convert rider to a permanent policy before child’s 23rd birthday or parent’s 65th birthday—whichever is earlier.
Premium Waiver for Disability Rider
  • There is an elimination period of 90 days before benefits begin to be paid—120 days in Maryland.
  • Rider expires at age 60.

Updated: March 2018

More term life insurance reviews

We recommend without hesitation every company reviewed on Quotacy. When you comparison shop, the death benefit amount that your loved ones would receive and the cost of the policy are the most important factors to consider. If you have any questions about the best life insurance companies for you, contact Quotacy. We'll gladly help you evaluate your life insurance options.

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