Help Protect with Permanent Coverage
Help Protect with Permanent Coverage
You’ll receive affordable rates and guaranteed acceptance with no medical exams. Apply online for instant coverage.
Help take the financial burden off your loved ones with life insurance
Funerals are expensive. Depending on your needs, expenses can range from a few thousand dollars to upwards of $10,000.*
Guaranteed whole life insurance is a type of permanent life insurance coverage that won’t expire. It can help provide protection for your family by helping to pay for end-of-life expenses. Additionally, it can provide cash value that you can access in an emergency.
What you’ll receive:
Guaranteed acceptance for ages 45-85 (in NY, 50 -75)
Affordable rates that never increase
Benefits that are never reduced because of age or health
No medical exams or health questions to answer
Most claims are paid within 24 hours.**
Life insurance costs can be confusing
We make it simple for you. There are only 3 factors that affect your monthly cost (also known as premiums): age, gender, and coverage amount. Apply early for life insurance because policy rates increase each birthday.
We don’t require that our customers answer health questions or take a medical exam. You’ll be guaranteed coverage regardless of your health.
Frequently asked questions
Whole life insurance is permanent coverage. It will last the entire lifetime of the policyholder, as long as premiums are paid. With whole life, you're getting coverage for end-of-life expenses.
Term life insurance provides coverage for a specific period or term. Once the term ends, the coverage expires. Term life is designed to replace lost income in the event of an unexpected loss of life.
It’s just three simple steps to apply:
1. Enter your personal information (your name, address, phone number and email address).
2. Name your beneficiaries. People frequently choose to name their spouse or their adult children. You can opt to change this at any time.
3. Choose your preferred payment method and submit your application.
You’ll be eligible for refunds as long as you cancel within the 30-day grace period. You may also receive a cash value if you’ve held the policy long enough to build up value. Note, if you cancel your policy after the 30-day grace period, you won't receive a full return of premiums paid. Should you choose to return, you'll need to apply for a new policy.
Your coverage starts as soon as the first premium is paid. However, you won't receive your full benefit until two coverage years have passed. This is standard across the industry and due to the graded death benefit clause.
Every time you pay your premium for whole life insurance, part of that payment goes to the cash value. The cash value of your policy builds over time through fixed interest rates. This is similar to how a savings account works. You can access your cash value if needed at 5.66%; however, withdrawal fees may apply. If you choose to use the cash value, your graded death benefit will be decreased should you not pay the amount borrowed back in full.
You can use the cash value for an emergency expense, to help pay your premiums and to supplement your retirement portfolio.
Why choose us?
A+ Superior
A.M. Best Company, Inc.
This rating represents years of financial strength and success in paying claims to policyholders.
A1 Good
Moody’s Investors Service
This rating reflects our financial strength and ability to withstand financial stress in the future.
A+ Strong
S&P Global
This rating showcases our financial strength to meet obligations to our policyholders.
Our ratings* showcase Mutual of Omaha and United of Omaha Life Insurance Company’s solid financial strength. We’ve protected our customers for nearly a century. You can rest assured you’ll be cared for now and for years to come.
*Ratings as of year 2023
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