Updated September 28, 2026 · AssureCue Editorial Team
Mutual of Omaha vs Principal
Where Mutual of Omaha and Principal differ
| Compare |  Mutual of Omaha |  Principal |
|---|---|---|
| Insurance types | Life, Health, Dental, Critical illness, Income protectionCovers more | Dental, Life, Critical illness, Income protection |
| Cover limit | $10,000 to $100,000 | Dental annual maximum typically $1,000 to $2,000 per year |
| Claims channels | Phone, Online portal, Agent | Dentist files the claim on the member's behalf (preferred), Member submits their own claim, Online account or mobile app to view claims |
| Age range | 18-64 | Member, spouse and dependents to age 26 |
Same on both: Provider type (Insurer).
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Key differences
- Principal scores higher overall: 9.5 vs 9.4.
- Founded is lower at Principal: 1879 vs 1909.
- Insurance types: only Mutual of Omaha offers Health.
- Claims channels: only Mutual of Omaha offers Phone, Online portal, Agent.
- Claims channels: only Principal offers Dentist files the claim on the member's behalf (preferred), Member submits their own claim, Online account or mobile app to view claims.
- Support channels: only Principal offers Email.
Our verdict on each
Mutual of Omaha
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.
Principal
Principal suits anyone whose cover comes through work and who wants dental cover alongside life, critical illness and income protection from the same insurer. It has traded as an insurer since 1879, claims can be filed by the dentist, and dental benefits cap at Dental annual maximum typically $1,000 to $2,000 per year.
Score breakdown
| Area | Mutual of Omaha | Principal |
|---|---|---|
| Offer | 8.9 | 9.1Higher |
| Trust | 9.7 | 9.7 |
Feature by feature
| Insurance types | Mutual of Omaha | Principal |
|---|---|---|
| Life | Yes | Yes |
| Health | Yes | No |
| Dental | Yes | Yes |
| Critical illness | Yes | Yes |
| Income protection | Yes | Yes |
How they place
| Ranking | Mutual of Omaha | Principal |
|---|---|---|
| Life insurance | 55 of 261 | 37 of 261 |
| Health insurance | 52 of 215 | 37 of 215 |
| Income protection insurance | 17 of 92 | 8 of 92 |
| Critical illness cover | 15 of 65 | 10 of 65 |
| Dental insurance | 18 of 50 | 13 of 50 |
Every fact side by side
| Fact | Mutual of Omaha | Principal |
|---|---|---|
| Legal entity | Mutual of Omaha Insurance Company | Principal Life Insurance Company |
| Headquarters | United States | United States |
| Founded | 1909 | 1879Lower |
| Support channels | Phone, Help centre | Phone, Email, Help centreCovers more |
Pros and cons
Mutual of Omaha
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.
Principal
Pros
- Cover spans dental, life and critical illness, so dental sits with life, critical illness and income protection under the same carrier.
- Dentists file on the member's behalf as the preferred route, listed in dentist files the claim on the member's behalf (preferred), member submits their own claim and online account or mobile app to view claims.
- Support runs on phone, email and help centre, so a phone line and a help centre back the plan.
Cons
- Cover is limited to Member, spouse and dependents to age 26, so it ends when a dependent leaves that band.
- Dental benefits stop at Dental annual maximum typically $1,000 to $2,000 per year, leaving heavy treatment years to the member's own pocket.
- Support runs on phone, email and help centre only, with no live chat or branch counter listed.
Who each suits
Mutual of Omaha
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.
Principal
Who it suits
- Members on an employer benefits package who want dental cover alongside life, critical illness or income protection.
- Households happy to let the dentist file, the preferred route in dentist files the claim on the member's behalf (preferred), member submits their own claim and online account or mobile app to view claims.
- US employees and their families, since the insurer is based in the United States.
Who should look elsewhere
- Linxea, whose list is life, leaves a member who wants dental without a dental line.
- Oney, which lists health, life and gadget and adds gadget cover rather than employer benefits.
- Good Sam Insurance Agency, whose auto, home and renters spread suits someone bundling home, auto and pet cover.
Country by country
| Country | Mutual of Omaha | Principal |
|---|---|---|
| United States | Yes | Yes |
Questions about each
Mutual of Omaha
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.
Principal
What kinds of cover does Principal write?+
Principal's listed lines are dental, life and critical illness. Dental is usually reached through a workplace benefits package, while life, critical illness and income protection sit alongside it under the same carrier. The type list shows quickly whether the whole package comes from the same provider.
How much does the dental plan pay out each year?+
The published dental annual maximum typically sits at Dental annual maximum typically $1,000 to $2,000 per year, so that cap is the figure to plan around. Budgeting for crowns, bridges or other restorative work means checking your share once the maximum is reached. The figure sits inside a typical range, so plans within the same group can differ.