Thank You!
We appreciate the opportunity to talk with you about your life insurance needs. A United of Omaha Life Insurance Company agent/producer will contact you soon to discuss your free consultation. As always, you’re under no obligation to purchase a policy.
Remember whose life you're insuring
While it’s your life insurance policy, the benefits won’t be for you – they’ll be for the people counting on you.
We can help you cover your personal debt, medical bills, and funeral expenses, offering your family some financial security when you pass on.
Thanks again for your interest in United of Omaha Life Insurance Company. We look forward to helping you find a solution that meets your needs.
Final expense coverage for your peace of mind
Guaranteed whole life insurance is a type of permanent life insurance coverage designed to provide protection for your family by locking in benefits that can help pay for end-of-life expenses, as well as cash value that can be accessed in an emergency.
Guaranteed whole life insurance benefits:
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Guaranteed coverage
Guaranteed acceptance for ages 45-85 (in NY, 50 -75) that lasts for the rest of your life with no medical exam.
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Coverage amounts: $2,000 - $25,000
A set coverage benefit between $2,000 to $25,000 (in WA, $5,000 - $25,000) to be paid to your designated beneficiaries at your death. Most claims are paid within 24 hours.*
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Affordable rates that never increase
Premiums that are guaranteed never to increase because of your age or health.
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Build cash value for an emergency
Potential cash value that grows on a tax deferred** basis and have access to the funds in an emergency.
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Get an instant coverage by applying online
Applying online is quick and easy—just four simple steps: enter your personal information, add your beneficiaries, make your payment, and sign. Once completed, your coverage begins instantly.
Frequently asked questions
Like whole life plans, most term life plans have a fixed premium and fixed death benefit. However, whole life provides benefits for the rest of the insured person’s life, whereas term life only lasts for a specific period of time. In addition, a whole life policy includes cash value, whereas a term life policy only includes the death benefit. On the other hand, term life has a lower premium per dollar of coverage and significantly larger death benefits are available.
The primary purpose of a whole life policy is to provide a guaranteed sum of money to your beneficiaries upon your death. A guaranteed whole life policy provides lifelong coverage without any health questions or medical exam during or after the application process.
Cash value represents the amount of money accumulated in the policy that can be accessed while you’re still alive. You can use the cash value for an emergency expense, to help pay your premiums and to supplement your retirement portfolio.
In general, whole life is a highly affordable type of insurance, and the premium will never increase. Your premium takes into account your current age at the time of issue, your gender, and your death benefit amount. You can learn more about the cost of life insurance here.