Mutual of Omaha review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Mutual of Omaha is a long established US insurer that suits people who want their personal cover held by a single provider, from life and health policies to dental, critical illness and income protection. The company dates back to 1909, and its critical illness cover is written for sums of $10,000 to $100,000.

Key facts

Best for
Households wanting life, health and critical illness cover under a single named insurer.
Insurance types
Life, Health, Dental, Critical-illness, Income-protection (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Cover limit
$10,000 to $100,000 (Source, checked September 26, 2026)
Claims channels
Phone, Online-portal, Agent (Source, checked September 26, 2026)
Age range
18-64 (Source, checked September 26, 2026)
Legal entity
Mutual of Omaha Insurance Company (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
1909 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Official website
mutualofomaha.com

Apps and profiles

Elsewhere
WikidataWikipediaXLinkedIn

Pros and cons

Pros

  • A single insurer holds the personal lines: life, health and dental.
  • Claims can be raised by phone, online portal and agent, so a claim does not depend on a single route.
  • The contracting company is named as Mutual of Omaha Insurance Company, based in the United States and founded in 1909.

Cons

  • The critical illness product pays $10,000 to $100,000, and the entry age range is 18-64, which narrows who can buy it.
  • Support runs on phone and help centre only, with no chat route among them.
  • The written lines are life, health and dental, so there is no property, travel or pet cover here.
Mutual of Omaha

Ready to try Mutual of Omaha?

Scored 9.4 / 10 by AssureCue.

See alternatives

Who it suits

  • Adults buying several kinds of personal cover from Mutual of Omaha Insurance Company rather than from separate providers.
  • People who prefer an agent or a phone line, since claims can go through phone, online portal and agent.
  • Buyers adding a critical illness lump sum of $10,000 to $100,000 alongside life or income protection.

Who should look elsewhere

  • Linxea, if you only want life cover, since Linxea lists life.
  • Oney Préstamos ES, if gadget cover is on your list, because health, life and gadget includes it.
  • Good Sam Insurance Agency, if you want home, travel, pet or auto lines too, given auto, home and renters.

How Mutual of Omaha compares

Where Mutual of Omaha is available

Available
United States
Licence in United States
Nebraska Insurance Department, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What kinds of insurance does Mutual of Omaha offer?+

Mutual of Omaha is an insurer that writes a spread of personal protection. Its lines are life, health and dental, so life, health, dental, critical illness and income protection all sit inside a single provider rather than being split across separate companies.

Who regulates Mutual of Omaha?+

Policies come from Mutual of Omaha Insurance Company, the named legal entity on the product pages, and the company is headquartered in the United States. Its stated regulator is the Nebraska Insurance Department, which licenses insurers in the US, and the provider type is insurer.

How do I make a claim?+

Claims can be raised through phone, online portal and agent, so a claim can go in by phone, through the online portal or via an agent, depending on what suits the policyholder. Day to day policy help runs on the separate set listed as phone and help centre.

How do I get help with a policy question?+

Support is offered on phone and help centre, which pairs a phone line with a self-service help centre. Agents appear among the claims routes rather than the support ones, so a policy question goes to the phone line or to the help centre.

How much would critical illness cover pay?+

Critical illness cover is written for sums of $10,000 to $100,000, and the entry age range is 18-64. Applicants have to sit inside that range to be accepted, and the sum paid follows the band rather than a single fixed figure.

Is Mutual of Omaha an insurer or a broker?+

The provider is listed as insurer, and the contracting entity is named as Mutual of Omaha Insurance Company. Its base is US and it was founded in 1909, so the risk sits with a named insurer rather than a panel of underwriters.

How does the cover compare with Linxea and Oney?+

Mutual of Omaha lists life, health and dental, which is broader than Linxea's life. Oney adds a gadget line in health, life and gadget, while Mutual of Omaha does not, and Good Sam Insurance Agency spans auto, home and renters without the dental, critical illness or income protection lines.

Can one provider cover several types of personal protection?+

Several of the personal lines sit with the same provider, since life, health and dental all come from Mutual of Omaha. Critical illness sums are written at $10,000 to $100,000, and claims on any of those lines run through the same routes.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from, Monthly payments.

Mutual of Omaha

Mutual of Omaha

Households wanting life, health and critical illness cover under a single named insurer.

9.4/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings