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For questions regarding a policy or service, try our Frequently Asked Questions section.
Otherwise, you can always call us toll-free within the hours listed below.

Please have your policy numbers ready before you call.

Department Toll-Free Number Hours of Operation
Customer Service (800) 228-7104

7 a.m. to 5:30 p.m. CST

7 a.m. to 5 p.m. CST

Health Product Inquiries

Life Insurance Inquiries

Health Claims (800) 775-1000
Life Claims (800) 775-6000

7 a.m. to 5:30 p.m. CST

7 a.m. to 5 p.m. CST

Structured Settlement Annuities (800) 228-7104

7 a.m. to 4:30 p.m. CST

*Includes contracts that begin with SPG, TFA, GIRA, GDA, IPG, 39G, 39N, 39Wm, SDGA and FA

Medicare SELECT Medicare Supplement Provider Directory

Select your plan's underwriting company to identify participating Medicare SELECT network hospitals available in your community.

Mutual of Omaha | Omaha Insurance Company | United of Omaha | United World

To find the forms that best suit your needs, please select your state and identify what type of policy you have with us:


  • If you need to submit a life insurance policy claim, please call us toll-free at (800) 775-6000.

  • Many United of Omaha policies establish a cash value. A cash value is the amount of money an insurance company will pay to the policyowner if the policyowner terminates the coverage. If you have a specific question about your policy's cash value, please call us at (800) 775-6000 or ask your question by e-mail.

  • To check on the status of a payment or to learn your paid date, please register for Customer Access. This information can be found online in the secured section of our Web site. Or call us at (800) 775-6000 to speak to one of our customer service representatives.

  • Yes, there is a grace period of 31 days for the payment of each premium except the first premium. Your policy will remain in force during the grace period.

  • Please refer to your copy of the policy.

    If you wish to change your beneficiary, you will need to submit a dated written request with the policyowner's signature. We have a form available for you to use, which you can find in our forms library.

    The signed written request should include the full name of each beneficiary along with his or her relationship to the insured. The policyowner should also designate whether each beneficiary is primary or contingent. Once the beneficiary change request has been received, an endorsement is sent to the policyowner acknowledging the change.

  • Please refer to your copy of the policy. The policy will show who is covered.

  • Please refer to your copy of the policy. The policy will show the benefit amount for each insured, as well as any potential changes in the benefits during the lifetime of the policy.

  • Each policy has a timeframe in which a policyowner is required to pay premiums. Although some policies require premium payments throughout the lifetime of the insured, many policies become paid in full at an earlier age. Also, certain interest-sensitive products (such as Universal Life, Advantage Life and Ultraflex policies) can use their cash values to continue the coverage without premium payments prior to their paid-up date.

    You can determine when your policy will become paid in full by referring to your copy of the policy. An illustration can be run to give an approximate date when an interest-sensitive policy would no longer require premium payments.

  • You may be eligible to place a loan against your policy in order to borrow cash surrender proceeds. By placing a loan against the policy, you reduce the death benefit by the amount of the outstanding loan. The interest rate can vary by policy type and is contained within the policy itself.

    You can find the Withdraw Loan Form in our forms library. Mailing instructions are on the form. A loan check along with instructions for repaying the loan will be mailed once we receive the properly completed request.

  • Most policies can be billed annually (once a year), semi-annually (twice a year), quarterly (four times a year) or monthly through a checking account bank service plan. Payroll deductions and government allotment deductions are other methods available on certain policies.

General Information