Mutual of Omaha is one of the most established names in final expense insurance — a policyholder-owned mutual founded in 1909 and headquartered in Omaha, Nebraska, holding an A+ (Superior) financial strength rating from A.M. Best. Per its published company facts, it holds more than 6.7 million policies in force and paid over $8.6 billion in benefits last year.
Where Mutual of Omaha is strong
Its simplified issue whole life is the core final expense product: a few health questions, no medical exam, and full first-day coverage for applicants who qualify. Financial strength matters in a product your family may not claim for decades, and an A+ (Superior) rating puts Mutual of Omaha near the top of the industry.
Where it falls short
No single carrier prices best for every applicant. Premiums are banded by age, gender, tobacco use, and health answers — and Mutual of Omaha’s sweet spots differ from its competitors’. Applying directly also means seeing only Mutual of Omaha’s rates, with no side-by-side comparison.
The independent alternative
As an independent brokerage, we compare Mutual of Omaha against other carriers we represent for your exact age and health profile. Sometimes Mutual of Omaha wins; sometimes another carrier does — the comparison is the value.