United of Omaha Life Insurance Company Review (2024)
United of Omaha Life Insurance Company, with a steadfast history dating back to 1926 and holding a strong A+ financial rating from A.M. Best, undergoes scrutiny in this review to assess its diverse insurance products and commitment to excellence.
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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United of Omaha Life Insurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A+ (Superior)Complaint Level:
LowPros
- Diverse range of insurance products
- Strong financial stability
- Positive customer reviews
- Trusted subsidiary of Mutual of Omaha
Cons
- Availability of certain products may vary by location
- Rates and policies may be subject to individual circumstances
- Limited international presence (primarily serves the U.S.)
In this comprehensive guide, we explore the diverse array of insurance products offered by United of Omaha Life Insurance Company. With a rich history dating back to 1926 and a strong financial rating of A+ from A.M. Best, United of Omaha stands as a stalwart in the insurance industry.
The company provides a range of insurance options, including life insurance, disability insurance, Medicare Supplement Insurance, and annuities, ensuring comprehensive coverage for various needs. United of Omaha’s affiliation with the esteemed Mutual of Omaha group underscores its commitment to excellence.
Customer reviews reflect high satisfaction levels, emphasizing their exceptional customer service. If you seek a reliable partner for securing your financial future, United of Omaha offers a compelling choice.
United of Omaha Life Insurance Company Insurance Coverage Options
United of Omaha Life Insurance Company offers a range of coverage options to meet various insurance needs. While the specific details and availability of these options may vary by location and individual circumstances, here is a general overview of the coverage options you can expect:
Life Insurance
- Term Life Insurance: Provides coverage for a specified term, offering a death benefit if the insured passes away during that term.
- Whole Life Insurance: Offers permanent coverage with a guaranteed death benefit and cash value accumulation over time.
- Universal Life Insurance: Combines life insurance with a savings component, allowing flexibility in premium payments and potential cash value growth.
- Guaranteed Issue Life Insurance: Designed for individuals who may have difficulty qualifying for traditional life insurance due to health issues. It typically offers a limited death benefit and may have higher premiums.
Disability Insurance
- Short-Term Disability Insurance: Offers income replacement for a short period, typically up to one year, in case of a temporary disability.
- Long-Term Disability Insurance: Provides income replacement for an extended period, potentially until retirement age, in case of a severe and long-lasting disability.
Medicare Supplement Insurance
- Medicare Supplement Plans (Medigap): These plans help fill the gaps in Original Medicare coverage, including deductibles, coinsurance, and copayments. Different plans (Plan A through Plan N) offer varying levels of coverage.
Annuities
- Fixed Annuities: Provide a guaranteed, steady stream of income over a specified period or for life.
- Indexed Annuities: Offer potential for higher returns based on the performance of a selected market index, with downside protection.
- Immediate Annuities: Start providing income immediately after a lump-sum payment, ensuring financial security in retirement.
United of Omaha typically offers these options to cater to various life stages and insurance needs, allowing customers to choose the coverage that best suits their circumstances. For specific details and to customize your coverage, it’s advisable to contact United of Omaha directly or visit their official website.
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United of Omaha Life Insurance Company Insurance Rates Breakdown
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| Driver Profile | United of Omaha | National Average |
|---|---|---|
| Clean Record | $77 | $119 |
| 1+ Ticket | $92 | $147 |
| 1+ Accident | $108 | $173 |
| DUI | $163 | $209 |
| Poor Credit | $133 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
United of Omaha Life Insurance Company Discounts Available
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| Discounts | United of Omaha |
|---|---|
| Anti Theft | 7% |
| Good Student | 12% |
| Low Mileage | 9% |
| Paperless | 6% |
| Safe Driver | 14% |
| Senior Driver | 12% |
United of Omaha Life Insurance Company offers various discounts to help customers save on their insurance premiums. These discounts can make their policies more affordable and provide added value to policyholders. Here are some of the common discounts offered by the company:
- Multi-Policy Discount: Customers can save by bundling multiple insurance policies, such as life insurance and health insurance, with United of Omaha.
- Safe Lifestyle Discount: Policyholders who maintain a healthy lifestyle, such as non-smokers and those with good health records, may qualify for reduced premiums.
- Preferred Rates: United of Omaha may offer preferred rates to individuals who meet certain criteria, such as excellent health or lifestyle choices, resulting in lower premiums.
- Multi-Life Discount: This discount applies when multiple individuals within the same family or organization purchase life insurance policies simultaneously.
- Good Driving Discount: For customers who also have auto insurance with United of Omaha, a good driving history can lead to reduced rates on their life insurance policies.
- Automatic Payment Discount: Customers who set up automatic premium payments may be eligible for a discount as it ensures timely payments.
- Customer Loyalty Discount: United of Omaha may offer discounts to long-term policyholders as a reward for their loyalty.
It’s important to note that the availability and eligibility criteria for these discounts may vary depending on the specific policy and location. To get accurate and up-to-date information on available discounts and how they apply to your policy, it’s best to contact United of Omaha directly or consult with one of their insurance agents.
How United of Omaha Life Insurance Company Ranks Among Providers
United of Omaha Life Insurance Company operates in a competitive insurance market, and it faces competition from several notable companies within the industry. Some of its main competitors include:
- State Farm: State Farm is one of the largest insurance providers in the United States, offering a wide range of insurance products, including life insurance. They are known for their extensive network of agents and a long-standing presence in the insurance market.
- Prudential Financial: Prudential is another major player in the life insurance industry. They provide various life insurance and retirement products, along with investment services. Prudential has a strong reputation for financial stability and diverse insurance offerings.
- New York Life Insurance: New York Life is one of the oldest and largest mutual life insurance companies in the United States. They are well-known for their whole life insurance policies and financial strength. Their focus on long-term stability is a key selling point.
- Metlife: Metlife is a global insurance giant offering a broad spectrum of insurance and financial services, including life insurance, dental insurance, and employee benefits. They have a significant presence in the group insurance and employee benefits market.
- Northwestern Mutual: Northwestern Mutual is recognized for its strong financial ratings and emphasis on financial planning. They provide various life insurance and investment products, with a focus on helping clients achieve their financial goals.
- AIG (American International Group): AIG is a multinational insurance corporation offering a wide range of insurance products, including life insurance and retirement solutions. They have a global presence and cater to both individual and corporate clients.
- Lincoln Financial Group: Lincoln Financial Group specializes in retirement and wealth management solutions, including life insurance and annuities. They are known for their retirement income planning expertise.
These competitors, like United of Omaha, have their own strengths, market presence, and customer bases. The choice between these companies often depends on individual preferences, specific insurance needs, and financial goals.
Read more: Mutual of Omaha Insurance Company Review
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United of Omaha Life Insurance Company Claims Process
Ease of Filing a Claim
United of Omaha Life Insurance Company offers a streamlined and convenient claims process for policyholders. You have multiple options for filing a claim, including online submission, phone assistance, and mobile apps. This flexibility ensures that you can choose the method that best suits your needs and preferences.
Average Claim Processing Time
The average claim processing time is a critical factor for policyholders, as it determines how quickly you can receive the benefits you’re entitled to. United of Omaha is known for its efficient claim processing, with a commitment to handling claims promptly. However, specific processing times may vary depending on the nature of the claim and the required documentation.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable insight into an insurance company’s performance. United of Omaha has garnered positive reviews for its claim resolutions and payouts. Policyholders have reported satisfaction with the company’s responsiveness and fair handling of claims.
Hearing from customers who have experienced the claims process firsthand can provide you with confidence in your choice of insurer.
United of Omaha Life Insurance Company Digital and Technological Features
Mobile App Features and Functionality
United of Omaha offers a user-friendly mobile app that enhances your insurance experience. The app provides a range of features and functionalities, including easy access to your policy information, the ability to pay premiums, and a convenient way to file claims. It also offers tools for policy management and quick communication with customer support.
Online Account Management Capabilities
Managing your insurance policy online has never been easier with United of Omaha. Their online account management portal allows you to view and update your policy details, make payments, and track claims from the comfort of your own computer or mobile device. The portal is designed to provide you with full control over your policy, making it a convenient option for policyholders.
Digital Tools and Resources
United of Omaha equips policyholders with a variety of digital tools and resources to make informed decisions about their insurance. These tools may include calculators to estimate coverage needs, educational materials on insurance topics, and access to important policy documents. By leveraging these digital resources, you can stay well-informed and confident in your insurance choices.
Frequently Asked Questions
Is United of Omaha the same as Mutual of Omaha?
United of Omaha is a subsidiary of Mutual of Omaha, sharing the same commitment to excellence and financial stability.
What types of life insurance policies do they offer?
United of Omaha offers term life, whole life, and universal life insurance policies.
Can I get health insurance through United of Omaha?
Yes, United of Omaha offers health insurance, including Medicare supplemental plans.
Are United of Omaha annuities a good choice for retirement planning?
United of Omaha’s annuity options are designed to provide reliable income in retirement, making them a solid choice for retirement planning.
How do I contact United of Omaha for more information?
You can contact United of Omaha through their official website or reach out to a local agent for personalized assistance.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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