Mutual of Omaha Life Insurance Reviews

They did their job. Bare minimum Took so long (3 months) I ended up being evicted while waiting for my disability payout that did get approved but too late. Ended up Homeless with my kids while navigating disability alone. They offer bare bones minimum care and reluctantly at that.

I was a customer for 7 years. I purchased a supplement policy. Every year they raised my premium $15.00 to $20.00 per year until I turned 70. Then it jumped almost $100.00 more. I tried to reapply for a lesser payment. They tried to say I had acute kidney problems. Which I did not. They kept saying they had to put me in that group. They couldn't look at my situation separately. I felt let down and not heard.

Worst company to ever deal with, they will hire independent doctors, to basically deny your claim for them I was sent the first time to one, and he almost physically assaulted me. Then my claim is denied I have since appealed have sent all documentation needing showing proof that I in fact suffered a spinal cord injury from surgery have my neurologist letter list of restrictions all diagnostic testing. They hired an independent doctor to basically state not true. How is this even legal? They had this independent doctor also state that I have strengthen my arms which I’m still awaiting a nerve conduction test in September so I’m curious as to how this doctor would even know this when he is in New York and I live in Florida he’s never met me. Had a video call with me. Again when you question Mutual of Omaha, how is this legal? How can you deny my claim they won’t give you those answers they are a scam all in their self.

Mutual of Omaha can kiss my ass. Go to hell you spineless pussies.

The company let my employer drop my dental insurance with not proper notice over the summer so I need to buy dental insurance for August. Low level scum level business and illegal. Beacon Academy was the customer and this is totally wrong.

06/05/26 I just called 1-800-775-6000 and spoke with an Rude, Non Caring, Non Customer Service straight out of the Chicken Coop Idiot Box name (Regina). This ** was so Rude I didn't like her high pitched rude tone so I ask politely to speak with a Manager or a supervisor. She told me no!!! I did have a chance to let her know that I myself have over (30) plus years of Excellent Customer Service under my belt and no way in hell she could work for me.....This lil girl doesn't represent the Brand of Mutual Omaha in No Way!!!!...Keep in mind I pay faithfully every month and not all customers are right but I'm right in this matter to express the disappointment that I just received is ridiculous and unbelievable and if the calls are being recorded it's no way in hell this girl still has that job. And remember you picked that job. I didn't. Clown!!!!

If my mom would've known in 1998, what we know now, she would've kept her hard earned, instead of investing in LTC policy that is of no use, after filling out the mountain of paperwork to file a claim and wait forever to be approved, and for the waiting period, now it's been closed out because we can't afford to pay Healthcare service in advance and wait to get reimbursed, so I took caregiver course to be informal caregiver and was suppose to be reimbursed the $59 it cost me. I haven't yet and that was over a month ago. Can't get a reply back from the woman that was working the claim with us. I asked about a ramp and bathroom accessories, no answer. I really don't know too many elderly people that can afford to pay for services and wait to see if they get reimbursed. And mom is still paying on it because she has hopes of getting something back instead of forfeiting thousands of dollars.

Every time I call them I feel as if I’m just on the phone just to listen to the elevator music. I could probably play the entire song on an instrument I’ve never used before I get my claim accepted.

The worst company I have dealt with in insurance. They couldn't even let me know that they weren't getting the money out of my checking account. I found out by looking at my bank statements. And when I called them to see why. I was told my policy had already been canceled. I said how much to bring it to date. Was told 600 dollars. But it had dropped from 20, 000 down to 300 .00. I said screw you.. canceled it and send me the 300. They knew what they were doing after 2 years of paying in on it. I lost the money, they gained on it all. I went with another insurance company. And never had a problem yet.

Would give this company No Stars if IT was possible. I'm not a complainer or hater by any means but PLEASE PLEASE PLEASE I BEG YOU. DO NOT BUY A LONG TERM CARE POLICY with this company unless you have the time and patience of Job because they will test your patience and your willpower throughout the entire process if you ever have to FILE A CLAIM. They will drag it out, put you off, ignore you, put you on hold for hours, tell you month after month they are doing everything to consider approving the claim, send you letters saying the same thing month after month. Keep you on hold for 2 hours every time you call. hoping in that 8 months they keep you guessing And wandering whats going on that you die or give up before they have to pay. I could go on and on about the nightmare this company really is.

Mutual of Omaha devastated me with their critical care insurance denial, despite my reps being genuinely nice and supportive through every step. I suffered full cardiac arrest, flatlined and died three times requiring resuscitation each time yet they rejected my claim citing "major organ failure" small print that demands even worse conditions, as if dying multiple times isn't catastrophic enough.

I would not trust these people. I had got a whole life insurance for my husband and when he passed, they told me he had a month and a half to go before he can raise his full amount and I told them when I signed up I signed up for a whole life insurance so they lied to me. I would not trust these people. They are not trustworthy.

They have withdrawals from my bank account for me and my wife's policy and for the second time, stopped withdrawals for my policy and kept my wife policy going while allowing my policy to lapse, so I'm out of my money and not covered, smh.

We, haven't got the money and my mother past always almost a month. Think about it before you get this life insurance. Check others for Best reviews. Think before you purchase.

Definitely a waste of money and time. I end up putting over thousand dollars in it losing my job thinking that they will be able to help me or maybe give me some kind of refund. Give me back on my fee or anything at the store. Nope. So all the money that I just put in that account is completely in the air in their pocket. I just basically lost $1000 on the house and they won’t return anything back to me and the policy is canceled and I would never ever get no insurance through Omaha ever again in my life. If you were trying to get insurance, please look at these reviews because these reviews are on point. These people do not care about you just like most insurance places so when you are in a pickle, they don’t give two flying shits About anything that’s going to help you, but still want you to pay them which don’t make any sense.

Terrible experience!!! I would NEVER recommend this company. We told them we needed to change the owner and beneficiaries of the life insurance policy, and followed the instructions given to us by the agent. Then while working through that process they sent the wrong forms and had to resend the correct forms for us to re-sign, only to find out after the passing of our grandma while making the claim that what the agent told us only changed the owner of the policy and not the beneficiaries and obviously it was too late by then to make the correct changes. After finding this out and asking that agent if there was anything else they needed to get this processed and being told no, I find out because the beneficiaries hadn't received the payment so I called, that actually they did need more information to finish processing the claim.

Very deceitful practice to push me to change my whole life policy to your company. The Sales guy claimed my current whole life provider doesn't pay out. He doesn't really know what he was talking about. The only thing that I could find is for homeowner's claims. This is a whole life policy. High pressure sales I will say! This is illegal to churn or give deceptive information against another insurance company to make a sale and several people say that I should report him. You guys should offer further training so he doesn't do this in the future. He sure does know how to say the same thing over and over. I finally had to tell him to stop texting me. This is absurd!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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