Mutual of Omaha Life Insurance Reviews

I've been paying $140 a month for over a year now for what I was told from the agent who was in my house with his manager on the phone, an IUL insurance policy. With a death benefit of $200,000. Wondering why I could never sign in to my portal, I dug up the real policy listed on the portal they provide and it said I had a whole life term insurance policy. I was lied to, manipulated into thinking I had a whole other different policy. I could have paid $25 a month for double the death benefit. Then I go to cancel and they charge me again, also been waiting over a month for that last payment I cancelled. Shady practices from agents just looking for residual commissions, so they tell you anything you want to hear. I have all the initial paperwork we drew on and it all states it was a IUL policy, but the whole time it was a whole life term policy, which I said from the gate I did want.

Please do not use this company! The reps do not know what they are doing! Especially Cindy **! I had a small policy with them for my husband! Unfortunately my husband passed and now they screwed me out of my $ cuz she didn’t give me all the information! She didn’t have enough training & know I’m paying for it! Supervisor Youseff was no better! No heart! No compassion!! Read the fine print people because they LIE over the phone!! Horrible company! Horrible people! It’s not bad enough you lose your husband and now they have to screw you out of your money!!

Kelly at the Richmond Avenue location is the best!! Very supportive and sincere. Knowledgeable with different policies. I highly recommend Mr. Kelly as a strong advocate for others. Thanks, Mr. Kelly!!! You rock!!!

I called about my policy. I was told wrong on what he said. They pulled money out of my acct. When I called about my policy the lady act like she did not want to help me, so she hung up on me. So then I cancel my policy. Now they won't put the amount of money back into my acct. They're giving me a run around. I guess they go by commission on how many policy they get. And not care of people that have policy. I was told 18.00 And now 25.00. Not going to happen. She told me going to take 7 to 10 business days to send check. Said can you just put it back into my acct. She said no. And hung up. Never ever with Mutual of omaha. Worst customer service ever.

I Called to cancel my insurance. They said on phone that everything was all set and they will mail the confirmation letter to me. But a week later they still get my money from bank. And I haven't received anything. Awful. Don't buy insurance from them.

I canceled a policy Mutual of Omaha because the premium went $ 98.00 a month to $834.00 a month with increases every month. I contacted customer service and they said I would get a refund in 7 to 10 business days. I don't understand if they can take the money out of my bank account every month to pay the premium then why can't they replace the money they took out when canceling the policy? As this is the 11th business day and I have not received my check, I contacted customer service again today and they said they will send out another check today but it will take 7 to 10 business days and not concerned when I get it back. Mutual of Omaha has my money and not concerned when I get my money.

This company discriminates against felons. They believe that a person without a felony life is better and felons can rot. I tried email Tom Oldham and he has yet to respond. You call the number to speak to the executive level and they deflect. Mr. ** has engaged ingress violations to discriminate against felons, apparently his life is better than a felon. I have construed Mutual of Omaha’s silence as an admission of guilt and the promote discrimination throughout the company.

The company I work for recently switched our Life insurance over to Mutual of Omaha. The Employee Premium Table is NOT being honored. I am 65, I chose $40,000 coverage at $13.93 per week. The rep for our company said that because I'm 65, the amount gets reduced 65%. So, If I really want $40k I'd have to pay for $60k reduced 65% = $39,000 coverage.

Be mindful of the fact that your employer may have chosen their dental plan that doesn't cover anything that has to do with a tooth implant. My crown screw broke off and it was super expensive to repair it because MOO didn't cover anything. Not the medication, x ray, limited eval.. All because it had to do with my implant.

For the last two months they have caused my account to overdraft by dragging it twice each month but refuse to refund us the $60 worth of overdrafts that they caused. I even have a audio recording promising that they would not double draft us this month and they did it anyway and wouldn’t even listen to the audio recording that I have where their agent guaranteed there would not be a second auto draft done on the account. They do not care about their customers, it just all about the money for them. I’m paying my bank to do a stop pay and looking for a new insurance company.

I recently purchased a policy and I'm very happy with that decision, customer service was great, didn't push or rush me into anything. Living on a very tight budget I wasn't sure they would have anything for me but they did. Staff customer service was very knowledgeable and polite. I'd recommend 100% they have something for you that won't crush your budget.

They don't care. My wife passed away about 6 months ago. She had a small Mutual of Omaha policy which they paid out. Since her death she has gotten a dozen mailings to sell her more insurance. I notified them of the facts and asked that they take her name off their mailing list which they promised to do. The mailings continue month after month. I may have no choice but to sue them for intentional infliction of emotional pain.

When I moved into my house in 2007, a rep from this company sold me a whole life policy on the amount of $70,000. I’ve made every payment on time. So I call to just ask how much cash value that the policy accumulated and the lady said 0$. How is that possible for a whole life policy I’ve had for almost 17 years. The policy is worth nothing at all. I’m in disbelief. That’s one of my reasons for getting a whole life policy because they are value policies. Well I mindest well cancel this valueless policy.

I would not recommend this company to anyone and I own like 10 policies with them! Several months ago, they cancelled just one of my policies where I had paid for 16 years and I had excellent health. They claimed that I called the company to cancel just that ONE policy but if that were the case I would have cancelled all my premiums because they pull from the same bank and same account! They sent me a form to reinstate my policy and then wanted 10 years of medical records. After sent them the records they claimed they never got them but I had sent them certified.

They won't stop mailing me even after requesting such. I'm recommending everyone stay away from this company. They even called to offer to increase my grandmother's death benefit nearly a year after they paid out on it. I told them then that I don't ever want to hear from them again due to the emotional turmoil they caused my whole family.

Tried to log into their guaranteed life and it’s a joke. It won’t let you put in an amount. When I try to put in an amount it just shows NaNa. Seems like the only way is to have them call you or you call them. I don’t want to talk to anyone.

A rep called me to renew my policy because the rep I had moved on. Come to find out the rep opened another policy and the company refused to refund me for the duplicate policy that was opened. Why would I need 2 life insurance policies if I only have one life?

I cancelled my policy 10 days ago. I still have not received my refund check. I was told 7 to 10 business days. I called today. They said it will be processed in 48 hr. This is why I decided to go with someone else. I will never do business with this company again. Incompetent is an understatement.

Company finds any little thing to deny paying you. Do not recommend them. Wasn't explained at the beginning that you needed it for 2 years before they will pay out the policy. Ridiculous really. They will scam you anyway they can.

Do not purchase a policy with this company. I have been a customer for over 14 yrs. I purchased a policy to protect myself if unable to work due to complications of pregnancy. I am an OB nurse and see firsthand what can happen during pregnancy and wanted to protect myself if unable to work. Well, lo and behold I did encounter complications that restricted my ability to work bedside at my hospital. When it came time to use the policy, I was treated like a criminal. Had me in tears every time I had to deal with this company.

If I could give this company a NEGATIVE star I would. I applied through a person that finds the best bang for your buck, I was asked many questions..I answered them all medications I was on. I provided the ONLY TWO I was on. I was immediately declined because 2023 I was give ** for WEIGHTLOSS, not diabetes. AGAIN NOT DIABETES. Never have had diabetes and also so was given ** for carpal tunnel and then switched to ** for the carpal tunnel…Well just because they think these medications are only for ONE reason to which my DOCTORS told them is incorrect and sent all documents to support what I told them and I also went two days later to get all my bloodwork redone to still deny me..

DO NOT buy insurance from this company. They will not pay out on the policies you buy. I purchased a cancer policy for $10,000 and when my husband got cancer, they refused to pay the policy. The doctor provided all his records and we had to appeal and then they refused the doctors records. They are a rip off, they steal your money and refuse to pay.

Omaha farms out this insurance to another company that will spend months finding reasons to deny your claim until frustration make you go away.... Had the same dentist for years and never a problem filing claims with previous insurer, now they don't recognize this dentist, they need his NPI number, they need his tax number, they need his address, they need his phone number, they need the dentist to call them....on and on....one after another. Dentist filed claim three times for me and his office is frustrated too.

I just learned of a policy my dad had (he passed in November of 2023) for critical illness. I called today to report his death and learned that the medical records and death certificate are not enough proof for them to pay out the coverage despite his qualifying diagnosis being on/in both of those things, they expect his hospitalist physician who treated him to complete a third form validating the diagnosis. The amount of work required when living out of state is not worth the headache unless this is the only asset someone has.

I had a 20 year TERM policy with the company and authorized electronic payment of $80.10 a month for that policy. Paid every month for 20 years. The term policy ended in October 2023. Without any authorization from me Mutual of Omaha decided it had authority to extend my 20 year term policy and remove $629.23 on 11/6/23, $629.23 on 12/4/23 and $629.23 on 1/4/24 from my bank account. We were out of town and had not realized these charges. We had to close our bank account to stop the charges.

I never imagined in 1,000 years that I would be writing a rave review about an insurance company - but here I am!! We have had two small policies for my mother since 2009 - one with Mutual of Omaha, and one with another large insurance company. Unfortunately, my mother recently passed and as the beneficiary, I can share first hand that the difference in service + claims processing between the two companies is literally night and day.

Your Dedicated Service Team has offered very little support in how to complete ParaMed physicals or obtaining medical records. There are numerous numbers given with no real guidance on who you actually need to connect with. When you do call one of the numbers, either no one answers, or no one returns your voicemail. This is supplemental life insurance that is supposed to provide peace of mind, but it has only caused headaches. Lack of service or ability to see shortcomings is very disappointing. Would never recommend this company or their customer support to anyone. Look anywhere else for life insurance.

The last couple of years of my mom's life I took care of her finances per her request. After sorting out the mess I discovered she had no life insurance. I immediately contacted Mutual of Omaha. Unfortunately she passed 16 months later at 77 yrs. of age of a heart attack. That was the first of August it is now December. Because the insurance policy was not 24 months old there had to be an "investigation". They have contacted every medical provider she had for the past 3 yrs. Still no payout. It is a small amount but it would pay the funeral home I did the right thing, now here I sit and worry that I can't pay the wonderful people who took such care with my mom in our family's time of need.

I would like to warn others if you cancel within the guidelines they will steal your premium. They'll say they sent it and that's it. Of course they don't and refuse to check and rectify the situation. Instead you're told to prove they didn't return your premium. Like I said when you receive money and it doesn't belong to you you're a thief. I authorize policy on 10/26/23, I canceled on 10/27/23. To date 11/17/23 and after 14 phone calls I still haven't gotten my money from these thieves. And you will be referred to as thieves until I receive my refund. I will write a review every day on every site I can to warn others of your company's thievery, and total unprofessional approach to the entire situation. See ya tomorrow for another posting either here. Social media just in case I'm blocked here by tomorrow for exposing my truths. Unhappy past client km.

A couple of years ago, my husband and I purchased 2 small policies from Mutual of Omaha. After reading their reviews I am even more concerned. First of all, when we received the policies I called to say they had misspelled my husband's first name on the policy. Nope they said, that's what the application shows. Since I completed the application I knew this to be incorrect. The name they showed on the policy was not even a proper name! They refused to change it.

My grandmother passed away this August 2023 just a couple months ago. My father, her son passed away unexpectedly earlier this same year in January. Unfortunately as the last surviving member of my family, I am responsible for the full cost of both funerals which added up to almost 20,000 dollars. My grandmother had a life insurance policy with Mutual of Omaha for 10k which would be a huge help towards the 12k for her services I currently owe the funeral parlor. Also this is exactly what she intended this money for when she took the policy out in the first place, to take some burden off off the family after her passing.

Do not purchase insurance from this company. Let me tell you that my husband passed and I had been paying the life insurance, coming straight from my bank account. While he was on hospice his family sneaked in and took advantage that he was unconscious and had him sign the form to change the beneficiary. During the time, he had cancer, they never showed up. I called the insurance and warned them that this would happen and told them to make a note because their money hungry and supposedly they made a note. He had already told me his wishes of how he wanted his funeral to be, instead they cremated him so they could keep the money.

I had 4 Life and Accident policies with Mutual of Omaha, after pay for 3 years I found out that because my son went into the military if he would get hurt or died Mutual of Omaha would not pay out anything because he is in the military, he was not in the military when I took the policy out and I had been paying on a policy for NOTHING! ALSO, Mutual of Omaha would share info on my brother's policies because we share the same last name with me and I told them numerous times I have NOTHING to do with my brother's personal business and they should not be sharing another person's business with me nor mines with anyone.

Mom was diagnosed with 18 months to go so I took out the policy based on a previous review I had read. Thankfully, mom was with us for four more years but eventually succumbed. Once the dust settled, I called to make the claim and after about 10 minutes the gentleman told me a check would be sent out as soon as possible. I was surprised that, after signing up for a faceless insurance policy online four years prior that it would be as easy as it was to get the benefits I was expecting. No forms, no death certificate (which we were still waiting on), no hassles. The guy who helped me with my claim even consoled me on my loss. It was kind of embarrassing for me to tear up on the phone but I suspect it wasn't the first time he had been in that position.

Updated on 07/31/2023: Mutual Of Omaha Life. An update. These people here response to my review is pathetic. I have several emails to this out fit to their Customer Care Dept before I filed my review & complaint on the 28th of July & they respond by responding to them by email to C/S again but does NOT give a direct person to speak with. I still DO NOT know why we allow criminals to do business. All the reviews against them are the same hundreds of them are basically the same. Mutual if you see this I've sent you 4 emails. NO response! NOT doing it again. I'll get no response again!!! ZERO ⭐'s will NOT CHANGE!

A agent (Carlos) that signed my mother up for a policy that was less than quoted. Has refused to answer the phone to discuss the policy. So, we ended up cancelling. I also asked for quote, then ended up with a policy in the mail. I never gave any checking account information...so, now I am wondering how did they even get this information. I DO NOT TRUST THEM...AND STILL HAVE NOT HEARD FROM THIS COMPANY...YET. BAD BUSINESS!!!

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.

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!!!

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.

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.

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.

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.

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 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.

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.

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.

After paying into a life insurance plan for my daughter for over 25 years, we noticed we never received our bill that is due quarterly, call and spoke to a representative and she said she doesn’t understand why a bill wasn’t sent out. She stated she would expedite a bill. That was a week ago. I guess Mutual of Omaha doesn’t want to cover her so they stop sending bills so policy will lapse! Lost all that money.

My father passed 4 months ago on 07/07/2021. Every time I try to reach someone it is a struggle. I've been trying to take care of my mother and I on my own who had a stroke but they take forever. If you see this my policy # is ** and have sent you the death certificate again and again. It's seriously frustrating to deal with all this. I'll change my review when you get to it.

They scammed us over a missed 45.00 payment as my dad was dying in the hospital, and took $2600 dollars from a 5k policy that I needed to put my dad to rest! How you CEO sleeps at night! Disgusting organization.

This policy has Accelerated Benefits. I am the policy owner and my elderly mother was injured and needed a knee replacement. Her Doctor clearly stated that my mother has a Chronic Illness Condition & she requires help in 4 areas; Toileting, Transferring, Bathing & Continence which meet the criteria that Mutual of Omaha requires. Yet, despite this, M.o.O. denied our claim in a letter dated Aug 20. On or about Aug 31st, upon receipt of that letter, I called to get an explanation which did not sound valid. I then followed up with an email stating that we want to dispute the decision and move to the next level. The Rep said she will forward to a 3rd party for review.

I bought life insurance about 25 years ago and every month they deduct automatically from my bank account. I called my agent over ten years ago and she had passed away and now I am asking if they can send me records of my life insurance because I lost all my paperwork during the flood. They said they were gonna send me copies and they never have till this day. I requested many times more for copies and they have not responded. Last week I spoke to an agent at the main office and she stated she will send it over and still waiting. I have no answers from them. I called again and spoke with another agent and they stated my policy will expire in four years and they said if I don’t die in four years my life insurance will be cancelled and all the money they took out will be lost.

My father passed on April 27, 2021. Today is September 7, 2021 and still no payout of his term policy. The claim was filed about 1 week after he passed. The communication is terrible with this company. We last reached out 3 weeks ago to find out they were waiting on information from a Doctor that we were able to get done with one phone call. At that point we were told it is under review, yet 3 weeks later, still nothing. This company does not have your family's best interest in mind. We still don't know if they will actually payout the policy. There are much better companies out there.

Updated on 03/01/2022: My husband died on 9/5/2020. For a year and a half they sent me “research” documents. Finally they decided to not pay because my husband got a reckless driving ticket in 2016! I hired an attorney and today they tried to offer me 10,000 on a 300,000 policy! The nerve. KEEP LOOKING FOR A DIFFERENT COMPANY. THIS IS A SCAM COMPANY.

30 yrs ago took out whole life insurance thinking we have nothing to worry about, now 30 yrs later hubby turned 66. They say we have universal insurance and in order to keep need to pay higher premium. On social security how can people afford it. How many other people did this sales rep do this to. Nothing liked being robbed of your of your security.

My father passed away in January 2021 and he had his insurance policy for 1 year and 11 months. They denied the life insurance claim. My father was diagnosed with cancer the last 2 months of his life. The insurance company had me get all this information to just deny the claim. The claim started in February and it's July 2021 and they just denied it. The worst company ever a bunch of liars that don't pay love ones claim. Don't do business with this company

Refinance was a joke. Two months later and still having issues closing. I withdrew my application to go with another company and they say that they denied my loan due to issues with my well. I was not declined. Never have I ever had so many issues with a refinance.

I was paired with Mutual of Omaha through Costco's mortgage program. The agent I was assigned to presented me with a very attractive offer for a refinance on my mortgage. After getting my application in, this agent ignored me on many different occasions. He even went on vacation for a week and did not have the decency to inform me, nor pass me onto a colleague who actually had time to work with me. Emails and phone calls were continuously ignored. All of this occurred during the time I was desperately trying to get a rate lock in, but his delays eventually caused me to lock in a higher mortgage rate with a lower lender credit two and a half weeks later.

Updated on 02/17/2021: Hello. I sent an email to customercare@mutualofomaha.com yesterday morning 2/16/21 regarding the issue below but, have not received a response. I will send another email today.

I’m very pleased with Mutual of Omaha’s ongoing efforts to educate their customers on what your insurance and financial wellness needs are. My agent regularly checks in on us at least twice a year, providing a free yearly financial advisor review also. Our insurance policies vary from whole life which earns return interest of no less than 4% yearly. I’m very confident and pleased that Mutual of Omaha is meeting our insurance needs with life, long term care, and retirement annuities investments.

I really wish I had time to change mortgage companies but unfortunately time is not on my side as I am coming up on the end of my lease. My house is done and has been done for two weeks now. The only thing that is holding me up from moving is this mortgage company. It appears they are dragging their feet and hiding behind emails. I reach out for an update and they always say they are “waiting” for something else from someone else. The last time they said that I personally reached out to who they were waiting on and got the information in 5 mins. At this point I’m doing their job for them. They gave my realtor a hard time when he wanted to speak with them and ask questions. This experience has been a nightmare. I don’t have a closing date, I don’t know the status. I so desperately want this all to be over with, I get anxiety just thinking about everything that I have been dealing with. I wish I knew this months ago.

I took out my accidental death life insurance (not a whole life) over a decade ago to ensure my spouse an adequate income in my untimely death. Working with Mutual of Omaha I found a policy that provides me with the coverage I need for the price I can afford. They set me up with automatic payments from my bank account, so there's no chance that the policy would lapse if my spouse was delayed in submitting for benefits. Plus Mutual of Omaha notifies me by email in advance of taking payment every month, which assures me that all is in order.

Have this supplement 15 years. M of O just increased 35% now that I’m 80. This is how you could be rewarded for loyal 15 years to them. My policy now costs $460 per month and of course I’ll see doctors more but had many years of not a dime spent. And this is my reward.

Mutual of Omaha Mortgage division is a complete waste of time. Unprofessional and total liars. Do not waste your time with these jerks. 800+ score, more money in investments than the mortgage amount, and still denied by stupid so called mortgage professionals. Do yourself a favor and look elsewhere. These imbeciles at MOO do not return emails, phone calls, or text messages. All of their staff should be fired.

I have a practical and effective insurance policy with great and affordable rates. Company has an excellent and easy to use website. The payment services it offers vary and you have choices on how to make payments. I am more than pleased with this company.

I first signed up for life insurance policies for my family (4) 18 years ago as well as my mother. We recently found out we were told completely total lies about the premiums. My mother’s premiums went up so high she could no longer afford them and by this happening I realized this would also happen to me. Complete lies! I went with a different agent this time to get better policies ( don’t know why I stuck with M of O) and it has been a nightmare. We are going on 4 months to get these new policies in effect. I have 0 confidence that if something happened to me that Mutual of Omaha would take care of my family.

My spouse and I signed up for 200,000 policies a year ago because we were told it was life insurance, found out today when I went on their website to change payment form that it was limited accident not life insurance. we have been paying a year on what we thought we would be able to pay our house off if something to one of us, only to find out we were scammed and would have gotten nothing unless one of us died in an accident. Stay away from this company. I have requested full refund of the premiums we have paid into the false insurance. See how it goes.

We were approached as a Costco member special deal while we were in the process of refinancing our current home. They beat our deal with another company so we have decided to go with them. Big mistake! The process was incredibly slow with very limited communication. It was dragged incredibly to the point when the 55 day lock had passed and the new deal had to be made. I would say it’s their loss to lose us. I would advise everyone who’s considering a mortgage and or refinancing to go with someone else to take care of it promptly as long as the rate is compatible.

My son, who may have been a customer in the past, died in 2007 and still receives promotional mail from Mutual of Omaha.... I have contacted the company numerous times with no result.... I guess my son will live on forever, even though it is upsetting to get mail addressed to him on a periodic basis....

I was contacted by customer service and received a copy of the policy I requested. The issue has been resolved to my satisfaction.

I have been a customer for 20 years or thereabout. I have had term life and as my insurance was going to jump over $400 a month I called to possibly switch my policy for something more affordable. I was told that I could not do it with them and that I had to do it through an independent agent. WHY? I guess they only want your money and don't want to do any work. Therefore my only option was to cancel my policy and go through an independent agent and start the process all over. I will be looking for a company who wants to treat their customers well and not just collect their money. I would give it no stars if it were not for Amy in customer service. She was very pleasant and tried her best to take care of my problem but there was nothing she could do. What an embarrassment!!

My elderly mother had purchased a policy many years ago. She’s been paying a hundred a month and has paid over ten thousand dollars into this policy. My mother is eighty six and decided to cash out this policy, she called and was informed she has to be 100 years old or she’ll receive a little over three thousand dollars!!! She’s paid well over 10 GRAND and never missed a payment. I’ll be contacting the attorney general on this issue. How dare they thieve off the elderly!!

I received an application today in the mail. After filling it out and putting a check in the envelope for the first month payment, I decided to read some reviews of others that had prior experience with this company. I figured it would be best to see how this company had treated other people BEFORE sending in my application and money. WOW, I'M so glad I did!! After reading many reviews, I voiced my check and tore up the application!! I don't need that kind of insurance experience in my life!! Barbara **

A few years back, I called Mutual of Omaha about borrowing from my whole life. I was told that I could. The customer rep said I had the option of borrowing to pay back or borrow and my loan amount would lower my insurance amount by the amount borrowed but I would not have to pay it back. I chose to have my amount lowered so I wouldn't have to pay back. I was then sent the check.

My husband, a Veteran of Korea, US Army, saved 122$ a month to purchase a 10,000$ life insurance policy to pay for his funeral. His Social Security check was only $566. A month, he paid for his insurance out of this check. He lived in a nursing home and of course they took everything else he had. At the time of his death my son was the beneficiary of the policy, to pay for funeral expenses. We called to claim them on the policy. The Representative on the phone said, "Oh, you don’t get anything, the State of Texas gets the money!!" Why? Because my son owed child support. His place of employment is taking child support out of his paycheck. But the State of Texas said, "Well his ex might have applied for state assistance sometime in the past."

I pay and not get the money. I pay and Omaha keep the my free money. So do not buy the life insurance. You will not be happy. I am in Washington. At my age I cancel it so no money back. Omaha get free money.

My father was hospitalized. His policy included coverage for his hospital stay. We called repeatedly to file a claim. Every time we were given the run around. Each time citing some issue we needed to resolve. And a different reason the claim could not be paid. We were even advised that the initial daily fee - which was $75, was actually $50. Even after my father passed we could still not receive the funds due to him and our family. Horrible and inconsistent service. Every time we call the representative says no claim was ever filed. Last rep I spoke to said she would email me "paperwork" to fill out. She never sent anything. What a despicable way to treat people especially after a loss. They don't even deserve one star.

This is the 2nd review as the 1st never showed up. In Sept I requested a 700$ policy loan. I was told it was mailed on Oct 14. Mailed with no tracking # or signature requirements. 12 days and nothing. They will cancel and issue me a new check (won't direct deposit) but I can pay $25 and they will overnight it. However it will take X days for them to do it. This is the worst co I have ever dealt with in my 30+years of working in the life ins industry. I wonder if my beneficiary will get the small face amount!!

I've had this insurance for a few years. Each year the premium increases. This year the increase is 30%. The so called customer service (the customer is NEVER right) says it's because I'm 4 years older and the amount of claims in my state. My age did not increase by 30% nor have my claims increased by 30%, in fact in the last year there have been few claims submitted. I thought Medicare costs were going down not being increased. They take advantage of older people.

I had this company for my children's life insurance since 1999 and as soon as my sons turned 24 and 25 years old there was an issue of them needing to pick a beneficiary and I paid their policies and I was their beneficiary. Never missed a payment for as long as they had their policies. Then the policy skyrocketed so they canceled it but don't go with this company. They are scammers and it's too many people with the same problems. No payout. Just taking people's hard earned money. Not worth it. Mrs. Tekkia **

I have a Index Universal Life policy with Mutual of Omaha. The policy was sold to me as generally risk free and could cancel in the first three years. This is year 3. Life has happened and this product is no longer in my best interest. If I cancel today I get 1% of what I have paid back. Customer Service can not explain why the high fee except to say "This is the policy I purchased." There is no documentation that explains the high cancellation fee in the policy that I or Customer Service can find.

I received a letter from Mutual of Omaha that my life insurance was expiring in five days. I noticed the letter was dated one month prior to my receipt. So after 26 years of payments they were going to cancel me in five days. I called them and told them that, "I would pay now over the phone the amount required to avoid cancellation with a credit card." They told me it was too late. Send a wire transfer or get cancelled. I was taken by surprise at this response until I realized that this is how they would save 100K if I did not get this payment in on time, in 26 years always on time and now at 75 years old they saw the chance to escape their obligation.

My mom and I were in an accident that almost killed us both. Ultimately she passed due to the trauma of the accident. A transfer trailer came over on us. She could not get past the horror and died of delirium. The policy covered the accident if it contributed to her death which it did. It's been 6 months and they still keep saying they are waiting on paperwork. Mom was on a fixed income and had the policy 12 years. Never missed a payment. Debra ** is a liar, I have basically had to file a formal complaint with the insurance COMMISSIONER! I hope they are fined. I have an attorney involved in the accident and the said if Mutual does not pay the claim they will file a lawsuit. It's pitiful after losing my mom, I grieve daily and have to deal with these crooks. Do not dare consider this company. THEY ARE THIEVES AND TAKE ADVANTAGE OF ELDERLY! WE WILL BE FILING AN AGE DISCRIMINATION CASE ALSO!

I had purchased a term life insurance policy for my daughter when she was 2 years old. Now she is 25 years old and the policy has changed to whole life insurance, I was never told that the term life would change into whole life, the premium is now 3 times higher. I called the company, and told them that I did not want the whole life and wanted her policy to stay term life, they said I could not keep the term life. I had to cancel the policy, paid all this money for nothing. Luckily I also had bought a policy with Gerbers when she was born. I will just add the money to that policy. This company just takes people's money, changes policy rules when they see fit. They hope you cancel like I did, because they made money off of me for 20 plus years. But no more, if you are looking for a policy for your children or grandchildren go to Gerbers.

Amy ** is absolutely horrific - I have never written such a negative review but as poor as is her professionalism (or rather as rich as she lacks any of it!) - I won't be surprised if this isn't a defect the company will keep around. Whatever the matter - do not go to her. She does not follow up or get the job done when it comes to being a liaison between you and the insurance company. When I inquired with her why her effort was so weak in attempting to help us get an answer from the company, her response was that she had other clients to get to...despite us mutually agreeing to continue our reach-out.

Hard to get through had to call numerous numbers to contact some. I'm not sure if I should continue with all the bad ratings. Just started on 9-6-2019.. I may have to call around and cancel. It's too many people are saying this company is a scam. Have to drive more research..

I purchased simplified issue whole life insurance through an independent agency. Choice Senior Life. The experience was online and through the phone. Finished the process with 2 emails and 1 phone call. Took about 30 minutes total. Price was extremely competitive and was not the lowest but one I was comfortable with. All the prices were within a few dollars of each other. The policy was delivered to my home in 10 days, which I felt was too long. My agent at https://choiceseniorlife.com said that was normal. I recommend shopping around but Mutual of Omaha does seem to have good service and pricing.

I cancelled two policies I had with United of Omaha--a Mutual of Omaha subsidiary. They need, at least, TWO full working days to process a payment. If you increase the face value of your policy this pathetic company will quote upwards of THREE "due dates" within the space of two weeks. The result is a customer does not know, from one day to the next, whether their policy has been DEactivated or REactivated.

We have had a term life insurance policy on all our grandchildren, the oldest for 21 years. Now that he is 25 it’s going to whole life insurance and the price is going from $76.50 a year to $238.50. If I cancel this now because I can’t afford for it to go up that much will I get any money back?

I bought this policy in 1990, I have paid $8360. The policy is worth $5000 if I pass away. I am 89 years old, and still have about 6-10 years of life in me. I called you cash out today, and they only gave me $2996.00. So, I have wasted $4000 in payments. They said the only way they would give me the $5,000 is if I made it to 100 years old. This is a bill that I receive quarterly for $110. This is a rip off. The rep said I should have been more informed, and read the details, and when I asked him if he would buy this policy, he said, "No. I wouldn't. It's not an ideal policy." Not the reps fault, but this is a scam taking advantage of older people, and scaring them into large debt death amounts to not leave behind for loved ones. DO NOT SIGN FOR THIS SCAM.

There must have been a glitch in my bank account and the money not there when they went to autodraft. I have 5 other insurance policies with various companies - this is the only one that lapsed and cancelled my policy - oh they sent me a letter in the mail. Who reads that anymore. So now I lost all the money I paid into for years. All they had to do was redraft it or call me and say hey - but no they sent a letter and that was it. I'm finding out a year ½ later when I'm trying to make changes to policy!

I had a term life for 30k paying 17.39 a month. Prior to that the premium set to go up every 5 years including the 1st year..did a new quote. Found 100k for 14.00 a month. Pssh with the lies and deceit. Def not worth it! Ripped me off for a year and a half! Don't know how many term life policies will raise your premium after a few years after advertising GUARANTEED PREMIUM FOR THAT TIME PERIOD.

Insured died and I am beneficiary and 9 days and no check. Yet the Company took out one more auto-pay premium payment after he died. We never missed or we’re late because I had Auto-pay set up. Called 4 times now and that was a lot of hassle to got to talk to a robot for 10 minutes then wait for a call back--just ridiculous.

I took out a loan on my policy, which I have had since 1999, Had no problems. The check arrived as promised. Sorry to hear about all of these other bad experiences. The representative was knowledgeable,courteous, great customer service, made me happy to be a Mutual of Omaha Customer. I have an extra application that was mailed out to me from the company, and I am having my daughter cancel out her policy with her now existing insurance co. and apply to Mutual Of Omaha. That's how pleased I am with their service.

If you are a Legal Guardian of a Disabled Person and authorized to have the care, management and investment of the ward's estate and the custody of the ward and to do all acts required by law, Mutual of Omaha WILL NOT recognize this appointment by the Circuit Courts and WILL NOT approve life insurance! EVEN if you present the Circuit Court document, their law department will not approve life insurance coverage! I urge anyone who has to go through the painstaking process of obtaining legal guardianship and all that comes with this demanding responsibility to save yourself the headache and anguish of yet another hurdle to AVOID Mutual of Omaha!!! It should be illegal for a life insurance company to deny a customer who is disabled and unable to read and comprehend a power of attorney document and therefore MUST have a legal guardian to act on his/her behalf, as required by law.

A broker of Mutual of Omaha sold me a policy. Later, I called him to let him know I was canceling my policy and moving from 401K account to another broker. He said that he has process the cancellation on his end. I was unaware that he did not cancel my policy. I incorrectly thought that the automatic withdraw was for a health insurance cost as it only said "United". For 2 years this broker was getting a commission on my account that he knew he was suppose to cancel. I reached out to the broker, he never returned my calls. I called Mutual of Omaha in April 2019, they said they would investigate. I called back multiple times and now finally in June they say there is nothing they can do to issue me a refund. They noted, the broker didn't return their call either and that he is being investigated.

I recently had skin cancer surgery. Luckily, the doctors were able to get it all. Even with the huge scar on my face, sadly the nightmare began when I reached out to Mutual of Omaha regarding the invoices from the procedures. I explained to the first person I spoke with that I had 4 invoices for this entire process. 1 for the original biopsy, 1 for the actual surgery, 1 for the anesthesia for the closing/tissue transfer and 1 for the actual closing/tissue transfer to close the massive hole under my eye. I gave him the contact info and invoice codes for each invoice and he tried to call each one while I held, but didn't get an answer. He asked me to call back the next day to "try again". I did so, and had to go through the entire process again with another representative. I asked if I could just fax or email the invoices in so they would have all the details. She stated I could.

My mother took out a family policy with Mutual Of Omaha which was term life back in April 13 1993. She Purchase 100 Thousand on herself and 15 thousands on all her kids. She made me Beneficiary of her Policy. She pass away in '97 at the age of 59. They paid out 20 thousand dollars stating that my mother policy had decreased. I call these people even spoke with different reps. Claim they could not locate the claim since it was 22 years old. I ask them don't they keep purged accounts and know who they paid out $20 thousand. They requested my mother social security # also old address and policy # and old phone #s to be fax in and to put "Attn: Kevin **" which I provided. On 6/6/19 he contact me back saying he cannot see what amount my mother took out. He said "I guess it's 15 thousand like she took out for her family". I told that man "you guys paid me 20 thousand and told me my mother policy decrease which is a lie, not at age 59.

I purchased a life insurance policy or my mom did early on in my life. Set six of 2019 I paid in $6949 of a $10,000 policy. I was told by a cash value is $500?! So lack for a better word, do not use this company. They will screw you over!! I don’t understand why they take so much of your money when their assets total more than 45 billion dollars if not more than that.

I have a short term disability plan I have paid on. I came up with a foot problem that caused me not to be able to work. Ended up with surgery amputation. I provided company with every document that was required. Going on one month now Mutual of Omaha keep asking for same paper over and over again. I need the money I spent hours on the phone trying to get paid. I see what they are doing dragging it on so they can find a way to not pay me. I think it's terrible to let their customers suffer with no money for food and in desperate situation. Terrible company.

First of all I would rate them as a zero instead of a one star. Mutual of Omaha has been a nightmare ever since I started dealing with them. I was given disability insurance via Mutual of Omaha through my previous employer. My heart stopped on April 25, 2017 and was brought back to life by my coworkers using CPR and an AED "Automated External Defibrillator." I was provided with short term disability. My employer denied me workmen's comp so I had to sue them. A settlement was reached on a "controverted basis" which was not for any medical expenses or lost wages. It was basically a denial that they would not be responsible for any future medical expenses or lost wages.

February of 2018 I purchase a new home. Shortly after I was contacted a rep from Mutual of Omaha name Lakita **. She explained that she had a great policy that may interests me because I just purchase a new home. So I agreed to meet her at my house to talked. She explained it a insurance policy that going towards my home and that I could use funds to make home renovations at my choosing, that I required to make a few payments towards the policy. She even went as far to say she had other clients who took out money and use most of it to take a family vacation but only rule 15% of the money had to go towards the home. After a year of paying towards the policy I called to take out a loan and was informed all of that was incorrect that it was a insurance policy and that what I was told was all untrue.

Unfortunately, my partner (I will call him "Jim") broke his ankle and Mutual of Omaha did send payments for the first few weeks. Then they just closed his claim and assumed that he would be going back to work after 6 weeks. Interestingly enough, at the 6 week orthopedic doctor's appointment, the doctor noted that "Jim" was not ready to go back to work and we submitted the patient status form accordingly to M of O soon after the appointment. Then the payments stopped, and now 4 weeks later after that 6 week appointment, both us and "Jim's" doctor is fighting M of O on receiving any payments because they claim that "Jim should be back to work by now".

Everything has been settled..very happy with my case manager who persisted with followup on dr. Thank you!

I never even had insurance. I talked to a guy that put my application in that lied to me about when it would be processed. I then got online to see all these bad reviews and tried reaching out to him to cancel several times with no response. I then called the customer service number myself today and spoke with someone that said my application was still processing. I asked to cancel and was told it could take 30 days. I asked to speak to a manager and the manager I spoke with told me also that it had not been processed, that it would be canceled and no charge would be made on my account! I asked for an email stating all of this and she said she sent it. I never received anything!!!

Received a letter "confirming the recent change of address for my polic(ies)." Whatever that means... Then the next day I got a bill for $55.13 asking me to mail a check for this mystery policy that I don't even remember signing up for. Yeah. Go ahead and cancel me. NO SCAM FOR ME. OH NO. NOT TODAY, NOT TODAY.

They are very prompt with payments. Can get billing summaries online or paper that explain all costs. Have been with them over 4 years and have never had to question any issues or pay any additional expenses other than my deductible.

I received short term disability more than 5 weeks after total hip replacement, still unable to work due to other medical problems. Found disabled by SS and yet I have to wait for weeks and weeks for them to approve more than a partial month of Long term. If I received a partial month then why in the world do I have to wait for them to produce current and future payments. Just not right. Feel cheated.

In November of 2018 Mutual of Omaha dipped into my checking account for an old life insurance policy after I already converted my life insurance policy to a new one. I have been in touch with my agent since December 2018 & now we are at the end of March 2019 with no resolution. I called Mutual of Omaha to speak to Penny which was extremely unhelpful & still I have no refund. When asking her why this happened there was an attitude, and an insensitivity like my phone call was somehow a bother. In the end I am out $49.68. This to me is theft. After a divorce some years before the company gave out personal information to my ex wife & it took every ounce of self restraint to not make a public lawsuit for a violation of my privacy.

I have been trying to cash out my life insurance policy. I was first told it would take to 10 days. After almost a month without receiving the check, I made a second call. I received an apology and was assured that a check would be sent that day. After not receiving a check I was given another excuse and was told that whoever gave me that information about my check being sent was incorrect. I still do not have an answer as to when I will receive my check. How many other people need to be ripped off before something is done about this company. I have read many other complaining reviews about them and it seems to be a never ending problem.

They stole my 51.00 bucks off a military credit card. I ask the VA for a free lawyer and I'm getting it. The lawyer said, the military always gets their money back but since I'm disabled I'm going after these people for emotional stress. Their rep knew I could not have whole life ins. I asked him 5 times who I end up giving my policy to Medicaid some day... He said no! They can't take it... Well they can and he knew it. I cancelled 9 hrs later and never got my 51$ back... Do these people knowingly stole 51$ from a disabled vet on a military credit card.

Agents sold my 78-year-old mother 3 life policies which had premiums totaling more than 50% of her monthly income. When I became involved at her pleading to help her pay premiums, I registered the policies on their online system. It took 3 months from request and 5 phone calls to get the 3 policies uploaded so I could see the payment history and payments due.

We purchased a 20 year $40,000 term life policy in 1998. The premiums were $31.29 per month which was drafted from our bank account. After 20 years, the policy did not expire as we thought and the premiums suddenly went up to $242.72 per month. We never received notice of the huge increase until I discovered it 6 months later on my bank statement, so we were charged $1,463.34. That is a huge amount for retired senior citizens. My complaint is that Mutual of Omaha is greedy and unfairly taking advantage of Seniors by increasing their premiums suddenly and excessively without proper notice or approval.

I purchased whole life with the intention of paying my final expenses with the policy. I have recently run into some financial issues that made cashing out my policy a necessity. I called and cashed out the policy on December 6th, 2018, and was told that I could expect my check within 7 to 10 working days. December 21st, I called again because I hasn't received my check and was told that there was an error in processing that had been fixed, and AGAIN, was told that I would have a check within a week. I called again on January 4th because I still hadn't received my check... I was told that it had been mailed that day and I should receive it within a few days...

This company and their billing is a nightmare. It is impossible to work it out with the company. They run you around and no one ever fixes the problem. They say, "Contact us and we will discuss it" and it still never gets resolved. There are better companies for life insurance. Please stay away. Money is too hard to come by, this company is terrible.

I'm the irrevocable beneficiary of my mother's policy. I've been making payments as well as paying intrust payment as well on a loan my sister took without permission. Fraud. Last week the same sister called to stop payment or cancel. So they canceled policy. Which is against the contract! I called and recorded the conversation. Was told the policy would be reopened which it wasn't. In fact they mailed a check in my mother's name as a payoff on whole life. Also against the policy contract. I'm not sure if an idiot did this or just another case of a bad faith policy. I going to call tomorrow to try to fix this. If I get no satisfaction I'm filing a complaint with the state, which will end up costing them more money in the long run.

The agent quoted us different prices then we were being charged immediately. Canceled 2 months later. We’ve made multiple phone calls to cancel. The second time my wife called they told her they forgot to cancel the insurance. Told them we do not authorize them to take any money from our accts. Filed a claim with our bank and they're still trying to pull from our accts and Chase had to step in and tell them they don’t have our authorization to pull from our accts. Still receiving letters to pay premiums or our policy would be canceled. Still waiting for a refund of over 100.00... every time we call they pass the ball as to why our policies haven’t been canceled... must be a billion dollar corporation because they steal from your bank acct...

We enrolled with Mutual Omaha life Insurance. Because the policy was not what we were looking for at the time we decided to cancel the policy within the first 30 days of purchase. My husband contacted the sales agent to cancel as he was instructed to do in the time of purchase. The payments continued to be withdrawn from our bank account. Adding overdraft fees for unexpected payments as well. A total of over $800. We tried to contact the agent, his boss and no one has responded or answered the calls. We call the company and their response was that they have nothing to do with what the agent does. But they are authorized to remove Money from the account. No one has taken accountability for their actions. This is completely unprofessional and irresponsible.

Mutual of Omaha contacted me and agreed to a full payment. They were very accommodating and respectful and I was very appreciative of their attention to this matter.

My parents both recently had to go into long term care due to dementia. I became their court appointed guardian and trustee of their estate. In going through all their finances I noticed my mother while going through the beginning stages of dementia began taking out lots of credit cards and spending a lot of money on magazine subscriptions and other things like many different life insurance policies which had high monthly premiums but very little return due to her age.

The life insurance we get is pretty good. Honestly I have nothing to compare it to since it is my only life insurance policy. But our contact is really great and hopefully when I die the insurance policy works.

mailing labels falsely I am mad. Remove me.

My wife and I have life policies with this company. A payment meant for me was accidentally applied to my wife's policy instead of mine. I NEVER got any phone call, letter, or official notice but they terminated my policy. Tried calling. The rep said it was in fact it was an error and he would get it resolved. This has been nearly two week and nothing has been corrected. AWFUL CUSTOMER SERVICE - buyer beware.

Very dissatisfied with Mutual of Omaha insurance. You can pay for a policy for 5k and pay over 10k and still only receive 5k so all extra money paid goes to Mutual Omaha. Just bad business. Do your research and use another company.

8 years ago I bought a 10,000 life insurance policy on my sister who lived with us and I took care of. We wanted to make sure we had funds to bury her when she passed. We received in the mail many solicitations and read each very carefully and chose Mutual of Omaha. We understood for the first 2 years if she passed the only benefit would be the return of our premiums. That was fair enough for us. My sister was with us for 8 more wonderful years until she passed on June 8, 2018. The funeral home we selected did everything for us including taking care of the life insurance policy. On June 15th we buried her. We got a call from Mutual of Omaha a check for 10,000 had been sent and on June 23rd we received it. Mutual of Omaha did everything we expected and more in a very prompt and timely manner. This is a great company!

My Family chose Mutual of Omaha because it was a name on which we could rely, and as a family, we took comfort in that. Over the years, Mutual of Omaha became the only trusted household name for life insurance for our family.

Very low monthly affordable rates which is awesome since I have insurance on my kids too. I purchased this policy for my mom and since she hasn't had a lot of health issues this policy was great for her. But very slow about answering questions whenever I called about concerns that I have, also they were dishonest about not needing a medical exam, they also seem to have a lot of new people on their team that act like they did not a lot of training and knowledge. The overall experience was amateur, they reps act as though they were not sure about what they were doing, I also had signed up for electronic billing and I NEVER received any of my statements via email. Would not purchase another policy.

I have had a good experience with the company plan on being with them for a long time. They have a wide range selection that you could choose from. I'm glad I chose this company for my insurance needs. This was the first company on my list to trying to get insurance. They cater to my needs, ask me questions and work out the best policy for me. I like everything about the company and have also told friends and other family members about the company. This is a company that everyone should know about. They treat you like they care about your needs.

I chose Mutual of Omaha because they could offer me the best deal of all the companies I researched. I compared a few and it is from a reputable company. They were easy to work with and offered exactly what I was looking for in an insurance company. It was a good overall experience.

It is low cost. Not time consuming and it is with a reputable company that I trust. They have been around for many years. It was an old plan and my mom chose it for me when I was little. I have had it for years and I pay every three to four months for it. Not bothersome. I picked up the bill after I moved out on my own I try to maintain payments so I can keep the plan.

I have had a policy over 15 years with this company. I cannot get a hold of anyone to talk to find out about my policy. I have called only to be put on hold and then hung up on. I have tried to get on the website only to be run in circles registering over and over but never getting access to my policy. They seem to be able to get the bill to me OK but can't get any service to me.

My husband started his policy at age 82. Only 5K because of his age. He answered the questions to the best of his knowledge. There was no medical exam. I paid the premiums for exactly one year. He passed away in late January. It is now late March and I was denied the 5K because they claim he lied on his application. He was not a liar! He was a veteran who served this country. His death was not related to any of the questions on the application. I will get my premium money back but your company is a fraud, not my late husband. Denying a widow 5K is just wrong! I will take this matter as far as I can because you are liars in all of your commercials and ads. I wonder how you sleep at night. My husband's final expenses were more than 5K. No condolences, just rude people.

I have had the worst experience ever with them. My mother dies. I give them a full copy of the death cert. And all the info where she was cremated. They say, "We will contact you." They never do. I get ahold of them. It usually take 3 hrs to get through. They say there is no record of her death. I'm like, "I sent you all the information." Nothing. I do this a few times over and over for weeks. Finally one person says it's in processing. I say, "Ok how long is the average wait" they say, "I don't know."

My experience has been very positive, they were very easy to work with and set up. The agent that we met with was professional and did not try to push extra products to us. It covers me for 250K and that is very good for my family. This is very important because it provides a peace of mind in the event something happens. Although, I don't like the fact that I pay 35 dollars per month for the next 30 years. It seems that over the course of 30 years I will have paid a lot of money.

I called to make a request for new billing because I was leaving the country in 2 weeks and would missing their paper billing via mail. After waiting 20 minutes on hold I was told by customer service representative that I would get a new billing in the mail within 5 days. After waiting 10 days with no new billing in the mail, I called again and after waiting 30 minutes on hold I gave up. I sent a message through the website online message service. It said I may have to wait 14 days before getting an answer.

A man living in an assisted living home started a number of accounts in my Aunt's name. He was an identity thief. He also took out a policy on her life. She was too old to insure but he lied and collected money anyway. I have yet to hear from the fraud dept. I have informed them many times of the ruse. They aren't paying legitimate claims but they paid this one.

I appreciate that Mutual of Omaha is a household name and has been in business for many years. I remember commercials from when I was a kid. They have a great reputation. I got insurance through them for both my son and his daughter when they were infants. My husband and I also have the cancer insurance.My overall experience has been fine although I haven't had a reason to test them. The price seems fair and comparable to others. Customer service has been very helpful when needed.

We have had them through our company for years and experience with them has been good so far. My job helps pay for it, thus I find it very helpful. There were also additional policies that covered more. I bought an additional policy including the one my job provided. I don't hear from them very often except when we re-enroll at work. As long as things are set up they don't personally come to the facility, which is fine.

Mutual of Omaha Life Insurance has a very good history of being very fair and dependable. Their service is outstanding and they helped me all the way through the process. Their website is different than others though. It takes a while to find what you are looking for and some of the descriptions are hard to understand so they need to improve on the navigating and make it more user-friendly. But after I got through the website and went to the office. I got a great rep that was very polite, professional and really cared about helping me find the right insurance that met my needs. Went through the options of the different types of insurance until we found the right plan for me. The company overall is very good and trustworthy.

I like Mutual of Omaha a lot. I and my mother both have been a customer for a very long time and we have always been very happy with Mutual of Omaha and will continue to be customers for a very long time.

I like that Mutual of Omaha Life Insurance is an older company and that they've been providing life insurance for so long. I know they will be in business when time comes to cash in my policy. I am satisfied with them but they sometimes seem old fashioned so the fact that they are an old company can be a minus too. But there are more benefits than spoilers. Overall experience has been great. Never considered many other companies because this insurance was given to me by my mother. I am responsible for making monthly payments. The policy can be borrowed against too. Payments are low for a decent amount of coverage. Their customer service is always nice and will go out of their way too. Would buy it again.

They offer discounts online on other insurance types that I would need in my daily life, such as auto, home and boaters insurance and cash out option. However I did wish that they gave kickbacks for having insurance like other companies do. For other branches of military. But I love this company. Never fails me. If I wanted to discontinue insurance I have had to call customer service and they did in fact help me and everything went well.

I have had this policy for over 40 years and have paid the premium each and every year. In 2017 I asked for full distribution and the nightmare started. Filled out all paperwork with the proper information including an address change. After months of following up they have even changed the address. It has been frustrating to say the least. All of my other insurance policies were no problem at all. Don't allow yourself to purchase from Mutual of Omaha.

They are a mutual company, therefore, I am one of the owners of the company for buying the insurance from them. And doing so lowers the total monthly cost to me. We (as a family) are not wealthy enough to not need life insurance and it is a way of putting net worth in place for people with a lack of net worth. Besides, it is really death insurance anyway.

My Daughter Rachel was killed in an auto accident on Jan. 20th. She was 16 years old and unfortunately you don't ever plan on your child to not outlive you, so I really need this money to cover funeral cost. I have been calling since the 25th of January and have been told numerous times that I will receive a call back in 24-48 hours. I waited the first 48 hour and have yet to receive a phone call back except a week and a half ago by some women that left a number at my home and I specifically told them to have someone call me on my cell number. I have tried to contact this person 5 times with no phone call back. The claims dept. keeps telling me that they have to go to protocol to send the info to the death dept. They see all the times I have called but they tell me all they can do is send the message. You can't get a hold of a Supervisor or anyone to call you back. This is ridiculous!

My friend, Marion, passed away on Jan 2, 2018. She had taken out a life insurance policy with United Life of Omaha Co, designating me as the sole beneficiary. However, it has been practically impossible to get through to the insurance company because they just hang up on the 1-800 number due to "heavy call volume." It does not matter what time of day you call to make a claim, you can never get through. Together, the executor of Marion's will and I have called nearly a dozen times. The one time we got through (after an hour's wait!), we complained about their service and asked if there was a direct line, fax or e-mail and were told no --the 1-800 number is the only way. We have still not been able to have a meaningful exchange of information to process the claim, and it has been over a month of trying.

My dad had a death policy with your company for years. Thinking he had coverage, that would cover him in the event of death. But when he passed away. My mom contacted the company to inform them of his death, she was told it wouldn't pay. My mom was in disbelief, with the information she had received. How does a company do that to someone?

When my sister passed away in a house fire, the coroner ruled her death accidental. Mutual of Omaha dragged the process out for six months and finally refused to pay saying she didn't answer her questions on the application correctly. I believe that she did answer the questions correctly (some of the items they mentioned were not even how she had responded). They certainly didn't have problems taking her premiums. Even more insulting are all the requests from Mutual of Omaha after her death offering "guaranteed acceptance with no physical exam required" insurance. It's bad when people think they have their final expenses covered. I think it's a form of false advertising.

We bought a Universal Life Insurance policy for my husband and I over 20 years ago. They did send me a summary sheet. They ended up requiring that I pay over $2500 a month to catch the policy up. I called the company and then my agent. No response from her. After over 20 years of making payments, the policy has cash out value of $1184.25. The agent is WELL aware of the scam or she would call me back. This type of scam collects yearly fees for over 20 years around $50,000, allows a policy to go into the bad somehow, to such a degree that the policy is eventually canceled because we can't pay the monthly payments. Guess we got too old and they didn't have to pay out the death benefit. We're going to have to stop making payments and let it cancel. Our 4th payment monthly of $2000+ is due 1-27-2018. So they got another $7500 from us for the last 3 months trying to work this out.

Upon contact with the Mutual of Omaha rep, and before signing papers, I insisted on whole life. Upon receipt of documents, I called the rep and she assured me she sold me a whole life policy. Their trained rep lied, sold me a universal life, not whole, and nothing but a slap on her wrist took place. After investing over $25K, I found out the truth, because premiums had gone up. Never on whole life. Whole life was easy to purchase back then. Mutual of Omaha’s staff “pass the buck” and now my orphaned granddaughter will be left with nothing. I trusted the name so much I even tossed an action file suit form in the trash. I trusted the rep. I am heartbroken to have sacrificed so much and be disregarded. Never an investigation. Begged rep to be honest and tell them she made an error.

I bought a Universal Life Insurance policy for my husband and I over 20 years ago. The monthly fees kept going up to the point where it not only ate up all of the investment, but went into the "red". The single page sheet report they sent had nothing noted except a summary on the back. They ended up requiring that I pay over $1500 to catch the policy up. I called, complained to a VP & they let me pay off the amount, increased my policy payment by 1/3 so that it wouldn't happen again. Since then, I have had to increase my payment another time.

I requested info for Plan F for medicare, unfortunately gave my phone number. I got a call immediately, as soon as I had clicked. A very rude lady asked me as to, "What do you want?" I was stunned. I started saying it is about Plan F and she became even ruder. Then I hung up. What a way to treat a potential customer.

I bought a $20,000 life insurance and best part was I did not have to wait for it to be effective. Very well pleased with my agent Steve **, great agent!

Mutual of Omaha Life Insurance were a great company. I was with them for about 3 years when my husband passed away, they sent me a check right away. I don't know what we would have done without it. Thank you United of Omaha.

My dad recently passed away and I was absolutely dreading filing the claim for his life insurance policy. Saying it out loud is difficult since it's still so fresh. About 3 weeks after he passed, I called United of Omaha Life Insurance Company to report the claim and ask what they needed from me to file the claim. They said they only needed to verify his passing and asked who was handling the funeral service. I explained that we were having a memorial for him and that he had actually donated his body to science. I suggested they contact the donation center to verify his death. The rep put me on hold, called the donation program and verified his passing. The check was cut and mailed the very next day. I thanked the rep for making a difficult call / process so easy and for being flexible in the death verification process.

I initially trusted these folks. Until, I discovered that my siblings were using a broker and getting the same supplement (Plan F - gov't defined -- exact) and getting much lower rates even though older and without health status advantages. Bottom line is that if you stay with these folks, they will reward you with substantially higher premiums. Do not trust them and fail to shop other sources. If using a gov't plan, trust that all companies are offering the same features.

This company has ZERO customer service!!! From day one they've had little customer service. I canceled for a cheaper company with customer service... When I canceled my policy my new insurance sent a letter and I called. Mutual Omaha sent me a cancelation letter so I shredded all the packet information and never looked back. Two months later I realize they had mischarged me two months so I called to have it fixed. The woman was nice, back dated, and promised me a refund 10 days later via USPS. 16 days pass and nothing so I call again to find out they declined my refund because they claim there's no proof of this letter they sent me and they are unwilling to refund me the mistake on their end. The woman I talked to the second time kept interrupting me on the phone and wouldn't listen until I reminded her I was in the middle of talking and wished to finish one sentence without being disrupted.

I have had this company since Nov. No policy still has been sent out. The agent who set it up was supposed to set it up for 100,000 but lower. The agent is trying to tell me no other company has locked in life insurance and it changed which only certain companies will. I've asked for a returned as I will don't have a policy and waiting 3 weeks still...

My mother passed in late February, she had 2 policies with each of my children as beneficiaries. My daughter calls in March and 2 wks later gets her money. It's June and my son can not get his measly $400 dollars. Constant excuses with paperwork back and forth. I will/would never advise to buy from this company...

When my husband passed I contacted Mutual of Omaha for the payout of the policy my husband had been paying for years. After a lengthy time I called for status and the customer service rep took great delight in informing my claim was denied. I contacted my lawyer and he was able to get a fifth of the payoff. They have so many clauses that they rarely pay off. I really could of used the funds and I am sure my husband thought I would of been taken care of. They have no compassion.

This experience with Mutual of Omaha on a death claim has really been sad. Have been waiting for 6 mos & still haven't received payment. Everyone in Customer Service has a different lie to tell on the claim. I have been given the runaround for 4 mos now, can't talk to the manager or no one else over the call representatives. I got this insurance policy for my mother & I will never use them again for me or another family member... poor business.

This bunch of rag tag thieves are lower than low! Like many of the other reviewers I've experienced poor customer service, (I too was told they would be back to me in 24-48 hours--it's now been a week) poor leadership from the top down promoting a culture that approves bully intimidating tactics pretending to care about their policyholders. All they care about is the money. 95 year old female, premiums going up due to age, requested a solution for a lesser amount of insurance so she would not be left without some coverage after paying a 5 figure premium for 20 years. They want the policy to lapse so they make money and pay nothing. Horrible, would not recommend them.

I have cancelled my policy after over 6 years. The misleading and false information is unacceptable. Not once not twice but 3 times within two years. Say they mailed out the information requested. Never arrives. They continue with no accountability. They have taken out premiums every month on time from Chase. Yet when they owe you money they mislead you that it is the mail... The person that you spoke to trying to correct the problem is no longer available. Can't get beyond the person (Customer Service). Finally relief that I have cancelled. Waiting for my cash value to end my association with this company. Said was in the mail. Do I believe them? No!

I rarely write reviews, and have never done one for an insurance company, but Mutual of Omaha deserves one. My mother passed away on 3/26. I called the company to find out how to go about collecting her life insurance benefits. Customer service rep looked up her accounts and obituary online and I had the checks within days (not that I was in any rush mind you). I called back saying I needed forms 712 on both policies, again they arrived within days and completed correctly. Other companies she had policies with wanted their forms notarized, and one even has me giving her medical history and permission to contact her doctors. WHAT?! Give me a break!!! She was 85. So un-user friendly! Extremely impressed with Mutual of Omaha. If my husband and I hadn't bought our plans years ago, I would definitely purchase them from this company.

Flawless process for term-life policy, decent customer service. Tried to apply with Protective and it took them 4 month to issue the policy! (Obviously I didn't signed it.) Mutual of Omaha took them only 3 weeks.

Money was taken out of my account for my husband life insurance. Called my bank TD Bank. Found out my account was compromised. Called Mutual of Omaha in reference. Kept getting the runaround saying they will pay me my money back that the money they withdrew out of my account over overdraw my account and I was charged $35. The lady in which I talked to said it takes 39 days. This was since November 16, 2016. I called again supposed to have talk to somebody higher up in the company they assured me that the money was in the mail. I explained to them that I was a senior on social security. The money was in the mail ever since last Thursday. It now 4 days before Christmas no check. I'm frustrated so. It looks as though I'm going to press fraud charges against them.

Acquired three whole life policies through Mutual of Omaha. I have had a mix of customer service experiences over the three years I've had these policies. The mix is mainly with the attitudes of representatives. Ranging from very pleasant to despicable. Having the business I contacted them completed in a timely fashion or at all, is another story. I need a very simple letter as does millions of other people in the beginning of the year stating the values of the policy. It is a short and simple form letter, that they must have to provide for a large number of their customers. Every year thus far it has been an arduous task to obtain this simple document from them. Even the copy they claim they can provide to you via email in 48 hours seems never to make it.

I applied for a policy with Mutual of Omaha in July. Every week thereafter they requested bizarre documents and more information from tax returns three years back to a copy of my employment contract. We had to make one. My employer does not use contracts. It was not until November that I received final word from them. It was a terrible experience just trying to get the policy. I can only imagine how difficult they make it when they have to pay. Oh wait, I don't have to imagine. My friend's father was killed in a tragic accident and it took almost two years and an attorney to get Mutual of Omaha to honor the policy.

My mother passed on Aug. 3rd 2016 and she had a policy on myself with this company. I called to check on this policy and was told that in order to cash-out I had to get the policy in my name to surrender it. Well, I did everything that I was supposed to do on my end and in a timely matter to just be done with this policy. I was told 21 calendar days to process and the funds will be mailed. I called again today which makes it day 23 and was told they are still processing. I asked were they behind and the lady said no they weren't. It's not about the money at all I just want to get what's due the family because my mom's hard earned money was put into this policy.

20 year ago this November my husband purchased, through his business a million dollar -20 year pay term insurance policy. When he left the company, we kept paying the monthly premiums to this day. Now that he is coming to the end of his 20th year, the policy goes to 6 figures a month. Obviously, beyond what we can pay annually. They tell us that somewhere in the 20 page+ document 5 years ago, if we had called THEM (or the agent)... who don't know where he is we had a chance to buy less insurance and continue the policy like at $100K. Obviously at 15 years into the policy, we had it filed with our final documents and never called. Consequently, he is turning 79 and he has NO life insurance and he has had health issues and cannot pass a physical.

I canceled my policy over 1 month ago. I was told I would get a refund check back, after 1 month still no payment. Called, they said the check was mailed out of the 20th. Called back again after waiting for 20 minutes to get to talk someone. This service is unacceptable. I would hate to find out the wait time for my kids if I passed away waiting for their money to bury me. This company is large enough. Why does it take over 26 days just to get it ready to send to you and another 6 days to cut the check. Again after waiting 32 days still nothing. Waiting to get to talk someone. I might as well call Obama. They would answer the phone faster. I will not buy another policy from them again. Glad I found out how unorganized they are before I passed away.

I took out a policy for myself and one for my husband (Graded Whole Life). I was billed almost immediately without being able to review the policy for 30 days. I could never talk to anyone on the phone -- always backed up. I decided to drop this policy after I had paid my quarterly premium. I wrote them a note informing them of this before a month had passed. I called today (I left my name and # and was very surprised when someone actually called me) to ask about my refund. I got the old song and dance about no refund because of not enough time had passed (WHAT?). She told me that the policy was in the process of being cancelled -- it has been since APRIL -- this is the last day of July! Anyway, I get no money back. Do not do business with this company. It is aggravating, unprofessional and scammy. Invest in a REAL company.

I am writing this review to complain about customer service from Mutual of Omaha representatives. I called a week ago to ask about information about life insurance policies. I was told that an agent or claim rep would get back to me. I provided my phone number and email address. I waited for a week and no one responded. I called back and explained my complaint and there was silence over the phone. I said "hello" and the customer service rep said that she was recording my call and they were very busy! I could not believe how a large company can function like that!

I needed to put my mother into a nursing home. I've been trying for several months to get her on Medicaid but the only obstacle was an insurance policy she had with Mutual of Omaha. I called in June of 2016 to cancel it and cash it in so I could pay the nursing home room and board. I sent in copies of the required documents (Power of Attorney, etc). I emphasized that the reason for cancelling was to get mother on Medicaid. It took them over a month to send the check. I called several times trying to speed up the process.

I signed up for a policy in February. Was told that there should be no issue with the policy. Was given what the amount would be etc. They came out, tested my blood and started deducting money for the policy. They only allow check account deductions. (Don't do it.) A month and half later I finally receive the policy in the mail, it has been changed. They won't cover anything that may happen to anything that I have had a complaint about at the doctors. I contact the agent, tell her I want to cancel, get told that I need to sign the sheet that they sent with the policy and fax it to her telling her to cancel. Then she tells me after a week that I need to mail back the whole policy.

My son's father had a life insurance policy with his employer West Side Transport. The policy was with United of Omaha Life Insurance Company, owned and operated by Mutual of Omaha. My son's father passed suddenly. We were told at the funeral home the policy was worth 181,000 dollars and was good. A paper from United of Omaha Life was faxed to the funeral home. After a few days we were notified that the policy was no good. That there had been a mix up between the employer and the insurance company even though the premiums were being take out of his check each pay.

I was hired on to their company and was required to scam every person I knew. After leaving the company I was required to pay back every penny I made and then some. 2 months worth of 45+ hour work weeks to net -$500. This company is a complete joke and the people running it are con artists. DO NOT get life insurance from them and DO NOT work for them. They promise pie in the sky, hopes and deliver on none of it due to some loophole they add into every policy. You'd be better off putting your money in a retirement account or getting insurance through work.

There are three adults living in our home. We have three different life insurance companies carrying our policies. My husband has insurance thru Kroger where he works, mine is thru our credit union Kemba, and our son has his insurance thru Mutual of Omaha. We're all happy with our individual choices.

We took out a life insurance policy. Was not happy the way they treated us. Did not return our money. Not very pleased with them.

On November 20, 2015, I called asking for loan amount. I explained the dire need. I was told a rush would be placed and should receive within 5 days. Called many times, spoke to different agents. Told was processed on November 24, 2015, mailed November 25, 2015. False. Was not mailed according to post mark until November 30, 2015 and received December 4, 2015. This was not sent as a rush pay. Everyone I spoke to did not tell the truth. My premium is taken out the 5th of every month by Chase since March 2011. Never missed a payment. If I was not fully vested I would cancel my policy. Still upset that a company that I trusted gave me continual misinformation.

Be warned if you purchase an Easy Start Policy for your young child, thinking the rate you are paying is "locked in" for the rest of your child's life like they say on their website and in all the paperwork. It is very misleading. At age 25, the policy will automatically convert to a whole life policy, and your child's rate will go WAY up! Probably about 4 times higher than the current rate. Now, if you only want cheap life insurance for when your child is young, it's probably worth it. I had peace of mind as my child grew up, knowing I had $18,000 worth of insurance for about $75 per year. But on his 25th Birthday, he got a letter saying it was automatically converting to whole life and his new rate was $240 per year.

Mutual of Omaha is very affordable. They are well established and a very reputable life insurance company. My family has used this company for all of our life insurance needs and we have never had any complications. When my parents died, they were truly here for us when it came time to cash in the needed policies. We didn't have to wait at all. They really made this awful loss endurable. They even offered to assist in the funeral services.

They are the best. They have well informed agents that can help me figure out what I need and how much insurance I need to take care of burial expenses plus keep my family from suffering financial loss and keep them surviving much better than if I didn't have the safeguard of insurance.

Being fairly new to this particular insurance policy, there isn't a whole lot to say about it yet. However, so far it's been great. I can access their online website to make adjustments, contact customer services, and research other products in which this company has to offer. Upon joining, the representative answered every one of my questions thoughtfully. He also offered a complete written manual, which he sent to me by postal mail.