Clarity Before Coverage
Understanding your coverage options should come before choosing one.
We believe people deserve more than a price and a list of policy options. You deserve to understand what you're considering, why one option might be better for you than another, and what your coverage actually does.
That's why we take the time to explain your options clearly, answer your questions, and help you make an informed decision without rushing you through the process. We offer year-round support via call, text, email, or in-person.
Your coverage matters.
Taking the time to understand it matters, too.
3 CONVENIENT WAYS TO ENROLL IN YOUR LIFE INSURANCE
Apply
Self-Enroll
Quote • Enroll • Pay
Get your quote, complete your application, and pay online
Speak With an Agent
Connect with an agent to talk through your questions, explore your options, and get enrolled
Coverage Options
Term Life Insurance
A fixed death benefit that pays your beneficiary if you pass away during the term. Term life insurance provides coverage for a specific period of time, typically 10, 15, 20, 25, or 30 years, with coverage amounts often ranging from $25,000 to $1 million or more.
It can help protect your loved ones by replacing lost income and covering important financial obligations.
Whole Life
Insurance
Permanent life insurance designed to provide lifelong coverage, usually to age 120, typically available from $10,000 to $1 million or more, with cash value that can build over time.
Final Expense Insurance
Final Expense insurance is permanent life insurance designed to help cover the costs your loved ones may face after your death. It is sometimes called burial insurance or funeral insurance. Coverage typically ranges from $5,000 to $50,000 and can help cover funeral, burial, cremation, and other final expenses. It can also build cash value over time.
Guaranteed Acceptance
Guaranteed Acceptance life insurance is permanent life insurance that does not require a medical exam or health questions for acceptance. It is sometimes called guaranteed issue life insurance. Coverage typically ranges from $5,000 to $25,000 and can build cash value over time. Because acceptance is guaranteed, these policies often have a 1- to 2-year waiting period for natural death, during which the full face amount may not be payable.
Universal Life Insurance
Universal Life insurance is permanent life insurance that offers flexible coverage with adjustable premiums and death benefit options, allowing you to adapt your coverage as your financial needs change. Depending on the policy, you may have the flexibility to adjust or skip premium payments when appropriate.
Accidental Death & Dismemberment Insurance
Accidental Death & Dismemberment (AD&D) is accident coverage, not life insurance. It is designed to provide a financial benefit if a covered accident results in accidental death or certain serious injuries, such as the loss of a limb or eyesight. Coverage typically ranges from $25,000 to $500,000, providing an added layer of financial protection when the unexpected happens.
Rates shown are actual premiums as of 9/7/26 and may vary based on age, sex, and underwriting.
Comparing Mutual of Omaha's Insurance Product Types
Each rate below is based on the same profile:
a 50-year-old male in Florida, non-smoker, with no serious medical history.
$50,000 Term
Product: Term Life Express
No Medical or Blood
10 year - $31.82
20 year - $42.32
30 year - $59.32
10 year, Age 18-75, $25,000 - $550,000
20 year, Age 18-60, $25,000 - $550,000
30 year, Age 18-50, $25,000 - $550,000
$100,000 Term
Product: Term Life Answers
Medical Exam Required, Non Tob
10 year - $32.38
20 year - $51.30
30 year - $82.78
10 year, Age 18-80, $100,000 - $65 mill
20 year, Age 18-68, $100,000 - $65 mill
30 year, Age 18-55, $100,000 - $65 mill
Whole Life
Product: Living Promise
No Medical Exam
Level - $30.58 ($10,000)
Level - $140.58 ($50,000)
Graded - $30.58 ($10,000)
Graded - 79.12 ($20,000)
Level, Age 45-85 ($2,000- $50,000)
Graded, Age 45-80 ($2,000 - $20,000)
Final Expense
Product: Living Promise
No Medical Exam
Level - $30.58 ($10,000)
Level - $140.58 ($50,000)
Graded - $30.58 ($10,000)
Graded - 79.12 ($20,000)
Level, Age 45-85 ($2,000- $50,000)
Graded, Age 45-80 ($2,000 - $20,000)
Insurance can be complicated. Getting the right coverage shouldn't mean guessing. We take the time to understand what you're looking for, explain your options clearly, and help you find coverage that fits your needs.
Clarity Before Coverage
FAQs
How much life insurance do I need?
The right amount depends on your income, financial obligations, family responsibilities, debts, and the goals you want your coverage to accomplish. The term length depends on how many years you want those financial needs protected for your loved ones.
How much does life insurance cost?
The cost depends on your gender, age, smoker or non-smoker status, health, prescriptions, coverage amount, type of policy, and any other underwriting factors such as a risky hobbies and certain high-risk occupations. Two people can need the same amount of coverage and receive very different premiums.
Can I get life insurance if I have health problems?
Yes. Having a health condition does not automatically mean you cannot get life insurance. Different carriers have different underwriting guidelines, and one carrier may accept a condition that another will not. The key is identifying the right carrier before submitting an application, because a decline may affect how other carriers evaluate you.
What is the difference between term life and whole life insurance?
Term life insurance provides coverage for a specific period, such as 10, 15, 20, 25, or 30 years. Whole life insurance is permanent coverage designed to last for life and can build cash value over time.
Can I get life insurance if I have been denied before?
Possibly. A previous denial from one insurance company does not necessarily mean every carrier will decline you. Insurance companies have different underwriting guidelines, which is why finding the right carrier matters.
Do I need life insurance if I don't have children?
Not necessarily, but children aren't the only reason people purchase life insurance. Coverage can help with final expenses, debts, mortgages, income replacement, business obligations, or leaving money to someone you care about.
Become an Insurance Agent
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