Mutual of Omaha

Mutual of Omaha

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Why Mutual of Omaha Final Expense (Living Promise Whole Life)?

Living Promise Whole Life Insurance offers simplified underwriting and level and graded benefit plans for seniors to help cover final and other expenses.

Mutual of Omaha is A+ Rated by A.M. Best.

Mutual of Omaha Living Promise Whole Life Product Information

Level Benefit Plan:

  • Issue ages: 45-85
  • $2,000-$40,000 benefit
  • Standard Tobacco/Nontobacco underwriting classes
  • Accidental and Accelerated Death Benefit Riders
  • No death benefit reductions in early years

Graded Benefit Plan:

  • Issue ages: 45-80
  • $2,000-$20,000 benefit
  • Standard underwriting class (no tobacco distinction)
  • No riders

All plans:

  • $36 policy fee
  • Policy is guaranteed to age 100 as long as premium is paid
  • Simplified underwriting
  • Small face amounts
  • iGo e-App

State Availability

Mutual of Omaha has an extensive state availability sheet – view it here (must be logged into producer portal). The Level Benefit is available in all states except New York.

New to Final Expense Sales?

You've come to the right place!

Check out some of the following resources to learn more about how to sell final expense products.

[ARTICLE] Final Expense Insurance: Level, Graded, Modified, and GI (2nd Edition)

Watch a roleplay example of how a Life Insurance Review is done (with a focus on final expense in this example):

[WEBINAR!] How to Sell Final Expense Insurance: