Mutual of Omaha Life Insurance

Mutual of Omaha Life Insurance

 4.0/5 (215 reviews)

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Overall Rating4.0 out of 5
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About Mutual of Omaha Life Insurance

    Mutual of Omaha Life Insurance Reviews

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    Page 1 Reviews 0 - 10
    Verified Reviewer
    Original review: April 5, 2023

    This company should not be trusted. We were sold a life policy for my wife. Salesman made a point of saying over and over “once we get the policy number email, the policy is in force”. We got the policy number while we were sitting there. Sadly, my wife passed a couple of weeks later. Mutual of Omaha refused to honor the policy Emer thought their own paperwork states “No waiting period“. If you get a policy from them I wouldn’t count on being able to collect on it.

    2 people found this review helpful
    Verified Reviewer
    Original review: March 14, 2023

    Say a online ad for life insurance, contacted them. They sent paperwork asking for the first months payment to start the account. Paid it,chose a quarterly payment. Within days I get a bill for the first quarter? Paid it called and asked that I hoped the last quarterly payment was only going to be for 2 months since there are only 12 months in a year. She was going to check on it & get back to me (never happened). I emailed them, the answer I got was scam in progress. (This first initial payment (called the first monthly payment on paperwork). This is to start your policy and not included with normal quarterly premium payments (What???). It was stated a the first monthly payment. So I have to pay 13 months the first year for only 12 months of coverage? Don't buy from them ever!!!

    5 people found this review helpful

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      Verified Reviewer
      Original review: Feb. 15, 2023

      I took out a whole life ins policy 20 yrs ago and was told by agent if I lived till I was fully vested I could cash it in for face value. Well I am fully vested. I have paid in the entire amount of my policy. I called to cash it in and was told I would only get 1/3 if what I paid. I would have to live to be 100 to get full amt. Be aware. They lie.

      Mutual of Omaha Life Insurance response

      Hi, Dorothy. Thank you for taking the time to provide a review. We'd like to look into this further. Please email your name, phone number and the best time to reach you to We look forward to speaking with you.

      2 people found this review helpful
      Verified Reviewer
      Original review: Sept. 13, 2022

      Today I received a bill from Mutual of Omaha. I pay quarterly for my life insurance. Today is September 13th. I just received a bill for August 24th that I know I paid. This has happened to me twice. I do not pay them by check. I pay them by money order. I had the money order here. They still didn't List It, because the error couldn't possibly be their fault. I dropped them today. I now have a different Insurance Company that is local and I can pay in person. They received a payment from me in mid July. They told me this was from the May billing statement. I told them that could not be possible because that would have been well over the grace period And I would have been canceled.

      I tried to explain to them that payment was for the bill that I just received today but they said no. They hold all the cards, but I'm not going to deal with this and I'm not going to pay premiums twice. Because I paid them by money order instead of check and it will not fit on the next page as a receipt I can tell you it was paid by Western Union money order **.

      14 people found this review helpful
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      Verified Reviewer
      Original review: Aug. 19, 2022

      My mother-in-law signed a life insurance policy in 2021. COVID was raging and by June of 2021 my mother-in-law got sick with Pneumonia and was hospitalized. By December of 2021 she died from COVID. All medical records which encompassed 5,000 pages were sent to Mutual of Omaha and 9 months later they denied the claim. When my wife called to ask why she was told that her mother lost 19lbs and that because it wasn't reported to Mutual of Omaha they had the right to deny her claim.

      Why would we arbitrarily call Mutual of Omaha to say by the way mom just lost 19 lbs. She was in a hospital for months and then transferred to a nursing home and then back to the hospital because she required constant care. Why Mutual of Omaha is allowed to stay in business I don't understand after reading other reviews similarly. This is a travesty and my wife hasn't been able to grieve and nine months later her worst fear has happened. Please think before choosing this company.

      39 people found this review helpful
      Customer increased Rating by 4 stars!
      Verified Reviewer
      Resolution response: Aug. 4, 2022

      Thank You Mutual of Omaha! Physicians Mutual Dental has informed me of my mistake. You are a Fine Company serving the Life Insurance Needs of USA Citizens and Expats as well.

      Original review: Aug. 2, 2022

      As of 02 August 2022 my attempt to resolve overdraft autopay monthly policy payments as of 07 May 2022 Policy 'Not in Force' date is still being billed after 5 requests to cancel my personal dental online policy (no policy#).

      Mutual of Omaha Life Insurance response

      Hi, Roger. Thank you for taking the time to provide a review. We would like to look into this for you. Please email your contact information to, along with the best time to reach you, and one of our customer care associates will be in touch. We look forward to speaking with you.

      5 people found this review helpful
      Verified Reviewer
      Original review: April 27, 2022

      After being with my husband for 44 years, we were out celebrating our 45th anniversary. Came home and he had a massive heart attack January 31st at 12:05am of this year 2022. You talk about deviations, no words can explain. I was lost and still am yet to this day. Unfortunately the grief and pain will never go away. I called Mutual of Omaha because that’s who the life insurance was purchased through and I thought thought this would take away some of the relief for myself and children after the service for his burial was 9,453.00. Well lo and behold I was told he passed 30 days before the 2 year mark and that the policy is contestable.

      I was devastated and had to get down on my knees and just surrender my soul to God and just lean solely on him to make it through. Here it is going into May. I have still heard nothing from this insurance company, not a sorry for your loss’ status on claim or nothing and I call every day. All I get is it’s in review, it’s in review yet they had no problem drafting my account every month on time for my premium payments. I am at the point of filing a complaint with the insurance commissioner because I am really beginning to believe that this company is fraudulent.

      54 people found this review helpful
      Verified Reviewer
      Original review: April 26, 2022

      I had a John Wayne cancer policy. I had a skin body that was not 100% conclusive of squamous cell cancer. I was paid and then my policy was cancelled by the company. I did review all my emails and there was no email or letter sent in the mail, as they claim. I did not have cancer after the second biopsy, and I called 4/2022 to make some changes to find out it was no longer in effect. The person who took my call, Brittany told me she was sorry I was having financial problems, as I should have known my bank did not take out the money. My other 2 policies were being paid. So I cancelled them both. I will say find another company.

      30 people found this review helpful
      Verified Reviewer
      Original review: April 5, 2022

      Read the fine print. Apparently my cancer didn't qualify as a sickness and because I reached retirement age that also disqualified me. I was off work over a year then I reached the age of retirement. And be prepared fill out a 16 page claim form.

      22 people found this review helpful
      Verified Reviewer
      Original review: March 10, 2022

      We had gotten my mom life insurance just to help her daughter with the final expenses. The policy is only for 5,000 and since it was under two years they want every detail. I understand this but my mother passed away from covid. Pretty hard to have that as one of the qualifying questions. Dr has sent them the info that they requested and now they want more specific information. She had cancer and had been clear for several like 6 years. They want more information now. The doctor completely says that her cancer was done for many years before she got her policy and he will not give any more information because of privacy issues he says. I just want to pay back the person I borrowed money from to have her cremated. But they say they can't pay me till they have more information. FOR what? information that she died of covid. Scammers.

      Mutual of Omaha Life Insurance response

      Hi, Heather. Thank you for taking the time to provide a review. We’d like to discuss this further. Please email your name, phone number and the best time to reach you to We look forward to speaking with you.

      33 people found this review helpful

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        Mutual of Omaha author review by Neal Frankle

        Also a Fortune 500 company, Mutual of Omaha was founded in 1909 and is based in Omaha, Nebraska.

        • Product variety: Mutual of Omaha sells almost every type of financial product imaginable.

        • Reputation: Mutual of Omaha is highly rated, and has a long track record in the insurance business.

        • Competition: Mutual of Omaha is a solid company but they may not always offer the most competitive products.

        by Neal Frankle Life Insurance Advisor

        Neal Frankle is a Certified Financial Planner in Los Angeles. He is the publisher of, an information resource for consumers. He has been a professional financial advisor since 1991 and is the editor of

        Mutual of Omaha Life Insurance Company Information

        Company Name:
        Mutual of Omaha
        Year Founded:
        Mutual of Omaha Plaza
        Postal Code:
        United States