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Life Insurance Quotes From United of Omaha Life Insurance Company or Companion Life Insurance Company

The cost of your life insurance premium is determined by a variety of important factors. But, what exactly goes into a life insurance quote? The answer depends on the type of life insurance you are looking for.

Life insurance policies vary widely and each has its own criteria to determine your insurance premium payment. Some of these policies will require full medical history questionnaires as well as physical exams - others will require no medical information. However, many life insurance quotes will require something in the middle of these two extremes. Often this will be a short medical history question and some basic information about your age and lifestyle. Finally, the amount of death benefits and the term of the insurance coverage will play a critical role in determining your final premium cost.

Getting a Life Insurance Quote

Your life insurance quote will typically require that you answer several questions. Some United of Omaha policies, such as Whole Life Guaranteed, do not require any medical history. Others, like Term Life Complete, require more in-depth information about your health.

You will always need to provide age, sex and other basic information for your policy. It is also likely you'll need to disclose marriage status and the number of children you have. Further questions depend on the policy.

Life Insurance Quotes & Health Exams

For many life insurance policies, you will not need to obtain a full medical examination. For others, you will not need to answer any medical questions at all. However, a policy where you must answer medical questions and provide information about your history will likely have a better insurance rate than a policy that requires no health questions.

Health questions can range from being as simple as whether or not you are a current or previous smoker, to as comprehensive as a medical exam performed by a doctor representative of the insurance company. It all depends on the type of coverage you are interested in. The larger, more comprehensive the benefits, the more likely it is you will need to provide additional health information.

Life Insurance Quotes & Privacy

You may have privacy concerns regarding answering health or personal questions, but these questions are designed to determine your eligibility for coverage and insurance premium. But the goal of these questions is not to harvest personal information. Rather, your insurance agent is attempting to make sure that you receive a fair and affordable premium. The more information they have at their disposal the better they can help to serve you. So remember - a thorough life insurance quote may provide you with a more accurate description of your life insurance rates than a quick quote. If you have any concerns, you can always speak with your licensed insurance agent. United of Omaha offers an agent locator to help you find the agent in your area.

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Important Disclosure Information

Product base plans, provisions, features and riders may not be available in all states and may vary by state. Policy forms:

Whole Life Guaranteed: Policy Form ICC11L060P or state equivalent. In FL, 7634L-0505. In NY, 826Y-0505.

Whole Life Express: Policy Form 6879L-0202 or state equivalent. In FL, 6908L-0202. In NC, 6914L-0202. In NY, 875Y-0207. In TX, 6920L-0202. In WA, 6924L-0202.

Children’s Whole Life: Policy Form A007LNA05P or state equivalent. In FL, A037LFL05P. In NC, A098LNC05P. In NY, 0835Y-0805. In OK, A133LOK05P. In OR, A140LOR05P. In TX, A151LTX05P.

TERM LIFE COMPLETE: FULL GUARANTEE

15-year level term: C087LNA08P, or state equivalent. In FL, C130LFL08P. In LA, C170LLA08P. In NC, C230LNC08P. In OK, C300LOK08P. In OR, C310LOR08P. In PA, C320LPA08P. In TX, C360LTX08P, In WA, C400LWA08P. In NY, 913Y-0309.

20 year level term: C091LNA08P, or state equivalent. In FL, C134LFL08P. In LA, C174LLA08P. In NC, C234LNC08P. In OK, C304LOK08P. In OR, C314LOR08P. In PA, C324LPA08P. In TX, C364LTX08P, In WA, C404LWA08P. In NY, 914Y-0309.

20 year level term with return of premium: C092LNA08P, or state equivalent. In FL, C135LFL08P. In LA, C175LLA08P. In NC, C235LNC08P. In OK, C305LOK08P. In TX, C365LTX08P.

30 year level term: C095LNA08P, or state equivalent. In FL, C138LFL08P. In LA, C178LLA08P. In NC, C238LNC08P. In NY, 915Y-0309. In OK, C308LOK08P. In OR, C318LOR08P. In PA, C328LPA08P. In TX, C368LTX08P, In WA, C408LWA08P.

30 year level term with return of premium: C096LNA08P, or state equivalent. In FL, C139LFL08P. In LA, C179LLA08P. In NC, C239LNC08P. In OK, C309LOK08P. In TX, C369LTX08P.

TERM LIFE COMPLETE: FIVE-YEAR GUARANTEE

20-year level term: C089LNA08P, or state equivalent. In FL, C132LFL08P. In LA, C172LLA08P. In NC, C232LNC08P. In OK C302LOK08P. In OR, C312LOR08P. In PA, C322LPA08P. In TX, C362LTX08P.

30-year level term: C093LNA08P, or state equivalent. In FL, C136LFL08P. In LA, C176LLA08P. In NC, C236LNC08P. In OK, C306LOK08P. In OR, C316LOR08P. In PA, C326LPA08P. In TX, C366LTX08P.

TERM LIFE EXPRESS : FULL GUARANTEE

15-year level term: B630LNA07P, or state equivalent. In FL, B650LFL07P. In LA, B690LLA07P. In NC, B762LNC07P. In OK, B832LOK07P. In OR, B842LOR07P. In PA, B852LPA07P. In TX, B892LTX07P, In WA, B932LWA07P.

20 year level term: B628LNA07P, or state equivalent. In FL, B648LFL07P. In LA, B688LLA07P. In NC, B760LNC07P. In OK, B830LOK07P. In OR, B840LOR07P. In PA, B850LPA07P. In TX, B890LTX07P, In WA, B930LWA07P. 20 year level term with return of premium: B629LNA07P, or state equivalent. In FL, B649LFL07P. In LA, B689LLA07P. In NC, B761LNC07P. In OK, B831LOK07P. In OR, B841LOR07P. In TX, B891LTX07P.

30-year level term: B634LNA07P, or state equivalent. In FL, B654LFL07P. In LA, B694LLA07P. In NC, B766LNC07P. In OK, B836LOK07P. In OR, B846LOR07P. In PA, B856LPA07P. In TX, B896LTX07P, In WA, B936LWA07P.

30-year level term with return of premium: B635LNA07P, or state equivalent. In FL, B655LFL07P. In LA, B695LLA07P. In NC, B767NC07P. In OK, B837LOK07P. In OR, B847LOR07P. In TX, B897LTX07P.

TERM LIFE EXPRESS : FIVE-YEAR GUARANTEE

20-year level term: B626LNA07P, or state equivalent. In FL, B646LFL07P. In LA, B686LLA07P. In NC, B758LNC07P. In OK, B828LOK07P. In OR, B838LOR07P. In PA, B848LPA07P. In TX, B888LTX07P.

30-year level term: B632LNA07P, or state equivalent. In FL, B652LFL07P. In LA, B692LLA07P. In NC, B764LNC07P. In OK, B834LOK07P. In OR, B844LOR07P. In PA, B854LPA07P. In TX, B894LTX07P.

TERM LIFE ANSWERS

Term Life 10 – 6179L-0696 (or state equivalent). In ID, 6337L-0696. In LA, 6179L-0696. In NC, 6254L- 0696. In OK, 6258L-0696. In OR, 6259L-0696. In PA, 5947L-0495. In NY, 738Y-1195. In TX, 5957L-0495, In WA, 5959L-0495.

Term Life 15 – 6181L-0696 (or state equivalent). In ID 6339L-0696. In LA, 6181L-0696. In NC, 6300L- 0696. In OK, 6304L-0696. In OR, 6305L-0696. In PA, 6306L-0696. In NY 749Y-0598. In TX, 6309L-0696, In WA, 6311L-0696.

Term Life 20 – 6182L-0696 (or state equivalent). In ID, 6340L-0696. In LA, 6182L-0696. In NC, 6323L- 0696. In OK, 6327L-0696. In OR, 6328L-0696. In PA, 5779L-0295. In NY, 805Y-0203. In TX, 5782L-0295, In WA, 5784L-0295.

Term Life 30 – 7064L-0203 (or state equivalent). In FL, 7157L-0203. In NC, 7164L-0203. In OK, 7169L- 0203. In OR, 7170L-0203. In NY, 805Y-0203. In TX 7172L-0203, In WA, 7175L-0203.

GUARANTEED UNIVERSAL LIFE

Sex Distinct – D187LNA10P, or state equivalent. In FL, D241LFL10P. In ID, LA, NC, OK, OR, PA, TX, and WA, ICC10L046P. In NY, 927Y-1110.

Unisex – D188LNA10P, or state equivalent. In FL, D242LFL10P. In ID, LA, NC, OK, OR, PA, TX, and WA, ICC10L047P. In NY, 928Y-1110.

GUARANTEED UNIVERSAL LIFE PLUS

Sex Distinct – D189LNA10P, or state equivalent. In FL, D243LFL10P. In ID, LA, NC, OK, OR, PA, TX, and WA, ICC10L048P. In NY, 929Y-1110.

Unisex – D190LNA10P, or state equivalent. In FL, D244LFL10P. In ID, LA, NC, OK, OR, PA, TX, and WA, ICC10L049P. In NY, 930Y-1110.

GUL EXPRESS

Sex Distinct – A998LNA06P, or state equivalent. In FL, B252LFL06P. In ID, National Form #. In LA, B264LLA06P. In NC, B286LNC06P. In OK, B302LOK06P. In OR, B306LOR06P. In PA, B310LPA06P. In TX, B326LTX06P. In WA, B342LWA06P. In NY, 867Y-0207.

Unisex – A999LNA06P, or state equivalent. In FL, B253LFL06P. In ID, National Form #. In LA, B265LLA06P. In NC, B287LNC06P. In OK, B303LOK06P. In OR, B307LOR06P. In PA, B311LPA06P. In TX, B327LTX06P. In WA, B343LWA06P. In NY, 868Y-0207.

Coverage may not be available in all states and may vary by state. Exclusions, limitations and reductions may apply.

All guarantees subject to the financial strength and claims-paying ability of the issuing company. Each company is responsible for its own financial and contractual obligations.

Life insurance and annuities are underwritten by United of Omaha Life Insurance Company, Mutual of Omaha Plaza, Omaha, NE 68175. United of Omaha is liscensed nationwide except in New York and does not solicit business in New York. In New York, Companion Life Insurance Company, Hauppauge, NY 11788-2934 underwrites life insurance and annuities.

Product base plans, provisions, features and riders may not be available in all states and may vary by state. Exclusions and limitations may apply.

Each company is responsible for its own financial and contractual obligations.

Life insurance and annuities are underwritten by United of Omaha Life Insurance Company, Mutual of Omaha Plaza, Omaha, NE 68175. United of Omaha is licensed nationwide except in New York and does not solicit business in New York. In New York, Companion Life Insurance Company, Hauppauge, NY 11788-2934 underwrites life insurance and annuities.

¹Washington Residents: the term “agent” is considered “producer” in your state.

AFN40102-432