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Compare Life Insurance Products

Compare life insurance policies and premiums to make an informed decision and find the best life insurance for you. Check out our comparison chart, consider your budget and coverage needs, get a quote and compare rates.

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Compare coverage options to find the best fit for your family

To find the best life insurance for you, compare whole, term, and universal life based on your budget, goals, and how long you need coverage. Whole life insurance offers lifelong protection with guaranteed cash value. Term life insurance provides affordable coverage for a set period, and universal life combines lifetime coverage with flexible premiums and potential growth.

A woman embraces her husband as he enjoys a cup of coffee, and she is happy they are covered with whole life insurance.

Who buys whole life insurance?

Whole life is a permanent life insurance option among retirees, pre-retirees, and anyone age 45-85 who wants reliable, guaranteed protection. People often purchase whole life insurance in order to:

Get coverage with no medical exam
Cover final expenses
Supplement existing life insurance coverage
Build cash value in the event of an emergency
Provide a gift for an important person

Explore Whole Life Insurance

Term life insurance customers, a young family enjoy a walk together.

Who buys term life insurance?

Term life is an option for newlyweds, young parents, working people, and homeowners. People often purchase term life insurance in order to:

Replace lost income in the event of death during prime earning years
Pay off their family's home mortgage
Provide an emergency fund for their loved ones
Pay off personal debts
Help provide for a child's education fund

Explore Term Life Insurance

Universal life insurance customers, sit together at a table and enjoy a card game.

Who buys universal life insurance?

Universal life is popular among individuals who are just entering their prime earning years, as well as investment-savvy people who are willing to take on some additional risk. People often purchase universal life insurance to:

Get flexible protection that can be adjusted as circumstances change
Help replace lost income at death
Access tax-deferred cash value for retirement or education expenses
Develop an estate or business plan
Build and protect a legacy

Explore Universal Life Insurance

You may also be interested in

Children’s Whole Life Insurance

Allows you to give the gift of long-term protection for a child or grandchild up to age 17.

Explore Children’s Whole Life
Accidental Death Insurance

Helps provide guaranteed financial support for your loved ones if you die in a covered accident.

Explore Accidental Death Insurance

Explore our life insurance options

Guaranteed Whole Life Insurance Term Life Insurance Universal Life Insurance Children’s Whole Life Accidental Death Insurance

Contact us about life insurance:

Customer Service: 800-377-9000
Mon - Thurs | 7 a.m. - 5:30 p.m. CST
Fri | 7 a.m. - 5 p.m. CST
Sales: 877-202-2676
Mon - Fri | 7 AM - 8 PM CST
Sat | 9 AM - 5 PM CST

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

This is a solicitation of insurance. A licensed agent/producer may contact you.

Accidental Death (DTC)
Policy Form E42AD-20348 or state equivalent. In NC, E42AD-20390; in NM, E42AD-20469; in NY, E45AD-20387; in OK, E42AD-20393; in PA, E42AD-20472; in TX, E42AD-20421; in WA, E42AD-20444; in VA, Policy Form E42AD-20415, Application MA5918-44.

Master Policy Form M40AD-20438, Certificate Form C42AD-20489 (or state equivalent).

This policy has exclusions and limitations.

AccumUL Answers
Sex Distinct: Policy Form ICC13L096P or state equivalent. In FL, D427LFL13P.

Unisex: Policy Form ICC13L097P or state equivalent. In FL, D428LFL13P.

AccumUL Plus
Sex Distinct: Policy Form ICC08L001P or state equivalent. In FL, C587LFL08P. In OR, C600LOR08P.

Unisex: Policy Form ICC08L002P or state equivalent. In FL, C588LFL08P. In OR, C601LOR08P.

Children's Whole Life
Policy Form ICC17L154P or state equivalent. In FL, D653LFL17P.

Guaranteed ADvantage
Policy Form 50AD-23949 or state equivalent. In FL, 50AD-23954; In ID, 50AD-23991; In NC, 50AD-23955; In NY, 50AD-26072; In OK, 50AD-23972; In OR, 50AD-23987; In PA, 50AD-23965; In TX, 50AD-23952; In WA, 50AD-23979.

Guaranteed Universal Life Express
Sex Distinct: A998LNA06P or state equivalent. In FL, B252LFL06P. In LA, B264LLA06P. In NC, B286LNC06P. In OK, B302LOK06P. In OR, B306LOR06P. In PA, B310LPA06P. In PR, B314LPR06P. In TX, B326LTX06P. In WA, B342LWA06P.

Unisex: A999LNA06P or state equivalent. In FL, B253LFL06P. In LA, B265LLA06P. In NC, B287LNC06P. In OK, B303LOK06P. In OR, B307LOR06P. In PA, B311LPA06P. In PR, B315LPR06P. In TX, B327LTX06P. In WA, B343LWA06P.

Guaranteed Whole Life (DTC)
Policy Form ICC18L198P or state equivalent. In FL, D787LFL19P.. In NY, 1002Y-0119.

Motor Vehicle Accidental Death Rider Form C783LNA09R (C787LFL09R in FL, C791LLA09R in LA, C794LNC09R in NC, C799LOK09R in OK, C800LOR09R in OR, C818LPA09R in PA, C801LTX09R in TX, C817LWA09R in WA) or state equivalent. Not available in GA and NY.

Income Advantage℠
GPT Sex Distinct: Policy Forms ICC15L123P or state equivalent. In FL, D501LFL14P.

GPT Unisex: Policy Forms ICC15L124P or state equivalent. In FL, D502LFL14P.

Indexed Universal Life Express℠
Sex Distinct: Policy Forms ICC19L190P or state equivalent. In FL, D776LFL19P.

Unisex: Policy Form ICC19L191P or state equivalent. In FL, D777LFL19P.

Life Protection Advantage℠
Sex Distinct: Policy Forms ICC17L152P or state equivalent. In FL, D622LFL17P.

Unisex: Policy Forms ICC17L153P or state equivalent. In FL, D623LFL17P.

Living Promise Whole Life Insurance
Level Benefit Policy Form: ICC12L080P or state equivalent. In FL, D354LFL12P.

Graded Benefit Policy: ICC12L081P or state equivalent. In FL, D355LFL12P.

Term Life Answers
Term Life Answers 10, 15, 20 – ICC16L145P or state equivalent. In FL, D601LFL16P.

Term Life Answers 30 – ICC16L144P or state equivalent. In FL, D600LFL16P.

Term Life Express 10, 15, 20, 30
Full Guarantee

10-year level term: ICC13L116P or state equivalent. In FL, D470LFL13P.

15-year level term: ICC13L116P or state equivalent. In FL, D470LFL13P.

20-year level term: ICC13L116P or state equivalent. In FL, D470LFL13P.

20-year level term with return of premium: ICC13L117P or state equivalent. In FL, D472LFL13P.

30-year level term: ICC13L116P or state equivalent. In FL, D470LFL13P.

30-year level term with return of premium: ICC13L117P or state equivalent. In FL, D472LFL13P.

Coverage may not be available in all states and may vary by state.

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.

This life insurance does not specifically cover funeral goods or services and may not cover the entire cost of your funeral. Your beneficiary may use the proceeds for any purpose, unless otherwise directed.

Life Insurance and annuities are underwritten by United of Omaha Life Insurance Company, 3300 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, Melville, NY 11747 underwrites life insurance and annuities.

Policy Exclusions/Limitations: The death benefit will not be paid if the insured’s death results from suicide, while sane or insane (not applicable in MN and NY), within two years from the date of issue (one year in ND and MN). Instead, we will pay the sum of the premiums paid since issue, less any loan and loan interest due and any withdrawals. Exclusions and limitations may vary by state.

Life insurance and annuity products are not a deposit, not FDIC insured, not insured by any Federal government agency, not guaranteed by the bank, not a condition of any banking activity, may lose value and the bank may not condition an extension of credit on either: 1) The consumer's purchase of an insurance product or annuity from the bank or any of its affiliates; or 2) The consumer's agreement not to obtain, or a prohibition on the consumer from obtaining, an insurance product or annuity from an unaffiliated entity.