Mutual of Omaha review

Mutual of Omaha offers a straightforward term policy underwritten by United of Omaha Life Insurance Company. Its term page promises a fixed death benefit, premiums that never increase throughout the life of the policy and the option to convert to a permanent plan, and positions the product for families who need cover until their children are grown or a mortgage is paid off. You can start with an online quote or a needs calculator, or call an agent. Mutual of Omaha lists age, gender, term duration, health and tobacco use as price factors but does not publish a starting price, term lengths or coverage limits on its main term page, and it makes no claim of a no-exam or instant decision. That limited disclosure is why it ranks last here despite a familiar brand. It is still worth a quote if you already hold Medicare supplement or other cover with the company. We compared documented features and published prices.

Who it is for

Families who want a long-established insurer with fixed premiums and a conversion option.

Price

See vendor pricing (USD check pending).

US price check pending. See the vendor pricing page.

Key features

• Fixed death benefit paid if you die during the term
• Premiums that never increase during the policy
• Option to convert to a permanent plan
• Online quote, life insurance calculator and agent support by phone
• Underwritten by United of Omaha Life Insurance Company

Strengths and weaknesses

• Strength: Level premiums for the life of the policy
• Strength: Conversion to permanent cover
• Strength: Agents available by phone as well as online quotes
• Weakness: No published starting price
• Weakness: Term lengths and coverage limits not listed on the main term page
• Weakness: No documented no-exam or instant decision

Key facts

• Underwriter: United of Omaha Life Insurance Company
• Premiums: Never increase during the policy
• Conversion: To a permanent plan
• Buying channel: Online quote or agent
• Published price: Not published

Where it ranks

Mutual of Omaha is No. 9 in our Best Term Life Insurance verdict.