Mutual of Omaha Life Insurance Reviews

Terrible smh and the customer service lady needs to find another job, the way she just blatantly talks to people. Nothing but pure scammers and I would NOT recommend at all. They will try their best to make you stay lol

We asked to cancel our disability coverage and were told it would be taken care of. Unfortunately the company continued to debit our account for over a year. When we called to get this matter squared away they disregarded it altogether and stated they were unable to assist and refused to cancel our coverage despite our asking a 2nd time.

After having my whole life policy for 10 years, they stopped taking payments out of my account for the monthly premium. By the time I noticed, I log in and my policy was on hold. First, they tell me to submit money for interest on a loan I had, and the 3-month payment. Then I get a letter emailed me to only pay the 3-month premium. I called to confirm that and Amber said yes. Then I snail mail a check cause they "do not take payments over the phone". A week later, I log in to see that my policy was "surrendered" ... I did not surrender it! A few weeks ago I checked my account online and my surrender value was over $1,000. I called today and they said yes, it was surrendered and they mailed me a check for $75.00. What kind of racket are they running.

RUN AWAY AS FAST AS YOU CAN!!! I used mutual of Omaha for about a year before I decided to cancel my policy. More than a year later they continue to call, send letters and threaten to send me to collections for a balance that I do not know them.

Avoid this company!!! If you're senior citizen needing a medicare supplement they'll raise your premium as fast as they can. You will also receive more garbage in the mail wanting to sell you every form of insurance like cancer insurance, heart attack insurance, life insurance etc. They make it seem as though they supplement doesn't cover heart attacks and cancer treatment in which it does. Their just trying to soak you for more money.

On November 4th Mutual of Omaha issued me two policies, which I did not ask for; the last three digits were transposed and it was obviously their mistake. I called immediately since I was billed twice and asked for a refund and the second policy to be canceled. One ended in ** the other ended in **. I was told there was no way to electronically return my money, that it had to be sent by check, which later I found out was incorrect. If they had asked for my social security number, then they could have sent it back to the same bank account that they debited.

The insurance is unreasonable to judge to approve or disapprove your short term disability. They thought everyone is the same to go through their surgeries process. Or maybe they know but they just want to denies your claims and not honor your claims. My company uses it because they are cheaper than other insurance company. But if it is my individual choices I will not go for this company that will not be with you in a hard time event my doctor ordered me to have time off because of my knee pain after surgery is more than other people as I have GE issue and cannot talked NSAID medicines. This insurance company just doesn’t care and said everyone doesn’t have issues to come back to work in your kind of job. Terrible!!

So I've tried this company 2 times in 3 years....I had mortgage coverage for my first policy, I went about 10 months on automatic payments before they abruptly canceled my policy. I got a new policy earlier this year with them which was a life insurance policy. I paid on automatic payments at the 1st of each month. They have been charging my bank faithfully since February, this week I get a letter from them saying my policy has been canceled since April 2025....Yet I'm still getting charged month to month, I know because my bank statement on the 1st of November shows them charging my bank account. In my experience this company has some sketchy services when it comes to maintaining policies and payments. Not recommended.

Very poor experience speaking to them about a HELOC. Ai assisted bot is great, then they say they are transferring to a licensed agent but that's not true. Some gentleman called Adam answered - very rude, did not disclose his license number.

Had United World Life supplement through MofO. They raised rates 37%. Told I could switch within MofO. They offered no other plan. UWL no longer writing policies. Leaving me with nowhere to go. Told I could use my birthdate to switch Lie. My rate went up from 199.90 to 267.00. Outrageous. Was told sorry, no plan at MofO could take me. Had to go through underwriting. Wouldn't be accepted. Yet when I got UWL there was no underwriting. Switching within the company, should find a company for you. I was not forced out of UWL for medical, but for greed on part of Mutual of Omaha.

Literally pointless for life insurance. You can die the day after getting it and you're not covered till after 2 years. My dad passed and it wasn’t 2 years so we had to pay for the whole after death things and all they gave is what was paid with a %10. You have to die from accident to get policy. It’s literally pointless and remember none of us know when we are going to die.

July 22nd I had a freak accident and slipped on my freshly waxed hard wood floor. I automatically contacted Mutual of Omaha after I filed FMLA with my company. Mutual of Omaha is who my company switched our short term and accidental policies to. This being said I have dealt with Aurora for my STD and Felicia for my accident insurance. These two ladies always answer the phone when I call. I follow directions and do check ins with them. If I’m confused of something they are very knowledgeable and willing to help. This is the best company.

I keep constantly getting spam calls from "agents" in India trying to sell me Mutual of Omaha Insurance policies. THAT IS SPAM CALLING. I'm on no call list. Horrible company, you can never be trusted.

I bought a plan years ago, and it sounded great, but I was wrong. Turns out that after you reach the face value, you keep on paying. You could end up paying 2 to 3 times the face value of the policy. I went in to see what I could cash the policy in for and found out they will offer you less than 1/3 the money you paid in. They use your money for years, and you get nothing in return, not even a paid-up policy. Don't be fooled by their ads, you're better off starting a savings account and get everything you put into it plus interest. I don't want to pay hundreds over face value for a policy, so I'll take the 2/3 loss and cash it in. Put the money in a bank account.

Absolutely the most out of touch, incompetent, unprofessional, insurance company I've ever dealt with. This at a time that the family is grieving over the loss of my mother. Poor record keeping. Seeking attorney advice now about a potential lawsuit against this company. Terrible excuse for a company. They have no record of legal documents filed by the funeral home and my family.

My brother recently passed away unexpectedly last year, and doing the time of his passing he was covered by the above insurance company for over three years at the time of him passing. The payments was automatically withdraw semi monthly, according to the bank statements and continuous insurance invoices and withdrawal notifications.

It’s been 26 years since my father passed from cancer. Was going through some old paperwork and found the life insurance denial letter from 1999. He had paid on the policy for nearly 30 years went on disability in June 1998 and was allowed 12 months coverage extension in which he paid the premium on until February 1999 and passed on April 1. He had pd. on this policy his entire work career 30 + years and guessing his focus was not on paying the premium last month of his life. Still irritates me all these years later. I personally have nor will ever purchase anything associated with Mutual of Omaha.

I understand that the agents do not work directly for Mutual of Omaha. However, you would think that they might check into these agents occasionally to see if they're doing their job correctly. An agent came to my senior living facility and did a presentation, and I signed up that day. We discussed that my widow's benefit loads the fourth Wednesday of every month, and I would like my premium payment due on the 28th of every month. Over memorial Day weekend the payment went out on the 24th of the month, and this is a little embarrassing to admit, but I had $26 in my checking account at that moment. So needless to say it put me in the red plus a $35 non-sufficient fun charge with my bank. I tried to call the agent at least 20 times that weekend. I emailed her and I texted her. Her phone did not have a voicemail setup on it. So that was the first red flag!

This is the worst company to have life insurance with, last year in August I put my grandmother in a $10,000 dollars policy for $94.00 dollars a month and it had to be reinstated once due to a monthly missed payment. So make a long story short my grandmother passed away yesterday at the age of 80 and they told me since she didn't live two years on the policy that they can only mail me the amount that I paid since she was on the policy, not the $10,000 they promised, now I have to come up with the rest of the money to get my grandmother put away right, so please do use this insurance company for life.

My mom paid for several years for their life insurance. She was diagnose with cancer and was subsequentially as terminally ill and this company cancelled her policy when they found out about it. I was with her when she went to check on the policy at one of their offices and was told of the cancellation. She was trying to plan so we wouldn't have to do it and they hit us in the gut. She was totally devasted. Years later they have nerve to send me quotes for a policy. It was a monment that you never forget. That's how they operate, scandalous. I get angry everytime I see the name Mutual of Omaha. My mom was emotionallycrushed with that news. They didn't care about what she was through or the payments that she'd made. That is what I remember about their business practice. I wouldn't recommend them to anyone.

We were unfortunately forced to use MOH for temporary disability and the Rep we had was AWFUL!! HE was rude, dismissive, worked really hard to deny our claim, was very short with me... awful experience, surprised they hire people like him.

I just wanted to say that I can't believe how easy it was for me to file a claim with Mutual of Omaha Life Insurance just a few hours ago. I am blown away at how pain free that was. My father just suddenly passed away and once I knew who he held a policy with, I simply called them and they handled the rest. This is the standard for how an insurance company should operate and clearly does operate. Mutual of Omaha clearly cared about me and my loss and showed me empathy. I am beyond happy with Mutual of Omaha.

The professional staff were excellent in collecting our information for loan approval and provided coaching expertise assistance related to on-line submission, The appraisal, final documents, and notary services were excellent plus all questions were explained to our satisfaction. The team members were Justin **, Mark **, Jackie **. Thank You, Gene & Linda **.

I opened a life insurance policy for what I thought was a good deal $12,000 in coverage for $64 a month. Two year waiting period. My two year waiting period was up on May 4th, 2025. In March of 2025, I took out a loan against my policy. I received it and cashed the loan check. Next thing I know I have a letter in the mail stating, "We're sorry to see you go but as you requested we canceled your insurance policy." And a separate letter at a refund check for my most recent premium of $64. It's funny how when my policy is about to mature they cancel it supposedly at my request and I did not request it. Total rip off. Do not do business with this company!

They requested my phone number to speak with me directly. I will update my star rating after I hear from them. The day is January 19th, 2025.

I recently had the unfortunate experience of dealing with Paige from the claims department, and I was extremely disappointed by her lack of empathy during a very difficult time. Not only did she fail to offer any condolences for my recent loss until after I made comment, but her tone was also unnecessarily rude. This kind of response is not only unprofessional but also insensitive, especially when dealing with sensitive situations like a death in the family. I expected a more compassionate and respectful interaction during this challenging time, and I hope this feedback is taken seriously to improve customer service in the future.

The customer service is quite lacking. I do not like being made to feel that I'm bothering a representative when I ask questions about my policies. Mutual of Omaha has foreign and somewhat strange practices around their policies, which is okay. What is not okay is when I need the process(es) explained to me, I'm treated like garbage when I ask for clarity. This has happened multiple times and I'm 2 seconds from switching to another life insurance company. There are other companies that treat their customers with respect.

The claim process is extremely complicated. They want everything faxed. Who uses Fax machines anymore. You provide one document then they ask for another, then another. They should provide a complete checklist when the claim is filed. If you get irritated or upset with the process they are not empathetic. They simply threaten to hang up on you. You have to call to complain. No way to do in writing. If I was critical I'd never be able to process a claim.

I'm unfamiliar with Index policy and procedures. So I genuinely has some questions. I was transferred several times to get right department. No biggie. Everyone was really nice and moved quickly about it. Then I get right department (Which it's the main office in Omaha) and first sound I get out of Amanda mouth, is irritation. I'm very disappointed that I received that level of customer service.

Unethical and dishonest. 1 star is a way too much for them but I have no choice to put 0. What they say at the beginning is not the same as when you claim. Sorry for losing my money. I would never recommend them to anyone.