Why Mutual of Omaha is a Top-Ranked Life Insurance Provider

Summary: Mutual of Omaha delivers reliable coverage, helpful service and a simple claims process for individuals seeking dependable life insurance.

In this article:

Life insurance doesn’t have to be complicated. Since 1909, Mutual of Omaha has helped people determine which insurance coverage works best for them. Sometimes that means flexible policies. Other times, it’s walking someone through their options.

More importantly, people know they can count on us to keep our promises. Over the years, that commitment has helped us grow into a nationally recognized insurer with a long track record of serving individuals across the country.

What makes United of Omaha, a Mutual of Omaha company, one of the best life insurance companies?

Mutual of Omaha has been providing individuals with reliable coverage, customized policy options and support during life’s most important moments for over a century. Other reasons why we are one of the best companies for life insurance include our financial strength, customer satisfaction and policy value. Here's more on these reasons.

There are also whole life policy options starting at less than $12 per month for $3,000 of coverage for males and females aged 45.

Timeline of Mutual of Omaha’s History:

The most popular life insurance policies offered by United of Omaha

Everyone’s life looks different, so we offer a range of life insurance products to match where you are and where you’re headed. Two of our most popular products are guaranteed whole life and term life insurance, which can give you the flexibility to choose coverage that works for your needs and timeline.

Guaranteed whole life insurance: Lifetime protection with built-in value

Guaranteed whole life insurance is a permanent life insurance that lasts your entire lifetime, as long as premiums are paid. Here’s what that means:

Guaranteed whole life can be a strong fit if you value stability, want to build long-term financial tools or simply want coverage that won’t change as you age or your health shifts.

Term life insurance: Reasonable, flexible coverage

Term life insurance is different in that it covers you for a specific period, such as 10, 20 or 30 years. This helps make it a practical, budget-friendly option during the years when your family depends on your income most. You pick the term length and coverage amount that makes sense for you.

Additional life insurance options

Beyond guaranteed whole and term life, there are additional options that may help meet your financial goals, including children’s whole life, universal life and accidental death insurance. We know one size doesn’t fit all when it comes to helping protect your family, so we feature multiple options to pick from.

How Mutual of Omaha stands out among other life insurance providers

When you choose a guaranteed whole life insurance policy from United of Omaha Life Insurance, a Mutual of Omaha company, you’re getting permanent coverage with predictable benefits. You’re also getting a Mutual of Omaha life insurance customer service team that actually helps you understand what you’re buying and how it supports your long-term goals.

Here are some other ways that Mutual of Omaha stands out from competitors.

1Support throughout the life of the policy

Buying life insurance can feel overwhelming. That’s why our representatives can help walk you through how much coverage you need, how cash value works and your options. We want you to feel confident about your decision, not confused by your choices. We’re also here to help you manage your policy and to guide your loved ones in filing a claim and receiving a death benefit as quickly as possible. 

2A simple claims process

When it comes time to file a claim, we know your family will be going through a difficult period. That’s why we've made filing a life insurance claim a simple three-step process. All you need to do is start your claim, submit the required documentation, and receive the benefit within 24 hours of approval.

3Award-winning customer satisfaction

Mutual of Omaha sets itself apart in how we treat individuals throughout their entire journey with us, not just when they sign up. In J.D. Power’s most recent study, customers rated Mutual of Omaha as the highest company among individual life insurers for overall satisfaction.

That recognition came from doing the basics right: answering your questions clearly, delivering a great digital experience, resolving problems quickly when they arise and providing great value for the price of premiums.

What the award represents

The J.D. Power ranking evaluates measures the experiences of customers of the largest individual life insurance companies in the United States across eight core dimensions (in order of importance): trust; value for price; ease of doing business; people; product offerings; ability to get service; problem resolution; and digital channels.

What Customers Love About Mutual of Omaha

Customer Testimonials are not affiliated with the J.D. Power 2025 Individual Life Insurance Study.

Frequently asked questions about Mutual of Omaha

What makes Mutual of Omaha a top life insurance company?

Mutual of Omaha stands out for its financial strength, dependable customer service and budget-friendly policies underwritten by United of Omaha Life Insurance Company. A number of people work with Mutual of Omaha because they want stable coverage and real customer support for the entire life of their policy.

How good is Mutual of Omaha's customer service?

Mutual of Omaha's customer service is award-winning and highly rated by policyholders. People appreciate the company's clear communication, knowledgeable support teams and simple claims process that doesn’t add stress to an already difficult time.

Does Mutual of Omaha offer the best whole life insurance policies?

Some customers consider United of Omaha Life Insurance (a Mutual of Omaha company) to have the best whole life policies because it offers guaranteed whole life insurance with lifetime coverage (as long as premiums are paid on time), fixed premiums and cash value that grows over time. It can be a reliable way to help plan for the long haul and help protect what matters most.

What sets Mutual of Omaha apart from other life insurance companies?

Mutual of Omaha stands out for its competitive pricing, strong customer service and fast, supportive claims experience. Customers also appreciate Mutual of Omaha's financial stability and easy-to-understand policies.