Mutual Of Omaha Insurance Review & Ratings (2023)
This Mutual Of Omaha Insurance Review will cover Mutual Of Omaha Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Mutual Of Omaha Insurance A.M. Best rating is A+, and the Mutual Of Omaha Insurance S&P Rating is AA-. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Mar 8, 2023
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If you’re looking for car insurance, Mutual Of Omaha Insurance is a great option to consider. Founded in 1909, this insurance company has over a century of experience providing quality insurance products and services to customers across the United States.
- A+ rating from the Better Business Bureau
- Over 100 years of experience in the insurance industry
- Offers a wide range of insurance products and services
With a mission to help people protect what matters most to them, Mutual Of Omaha Insurance offers comprehensive coverage at competitive rates.
History and Mission: Mutual of Omaha Insurance
Mutual of Omaha Insurance was founded in 1909 in Omaha, Nebraska, by Dr. C.C. and Mabel Criss. Originally named Mutual Benefit Health and Accident Association, the company started out providing health insurance to locals in the Omaha area. In 1920, the company expanded its product offerings to include life insurance and began selling policies nationwide.
Over the years, Mutual of Omaha Insurance continued to grow and diversify its offerings, expanding into other lines of insurance, including property and casualty insurance.
Today, the company offers a wide range of insurance products and services, including car insurance, home insurance, life insurance, health insurance, and more.
The mission of Mutual of Omaha Insurance is to help people protect what matters most to them. This mission is reflected in the company’s commitment to providing quality insurance products and services that meet the needs of its customers.
According to the company’s website, Mutual of Omaha Insurance believes in “making life easier and more secure for our customers and their families” and is dedicated to helping people “achieve financial security and peace of mind.”
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Products and Services by Mutual of Omaha Insurance
Mutual of Omaha offers a range of insurance products and services to help individuals and families protect their financial futures. Here is a more detailed overview of the different types of insurance offered by the company:
- Life insurance: Mutual of Omaha offers term life, whole life, and universal life insurance policies. Term life insurance provides coverage for a specific period, while whole life insurance provides coverage for the duration of the policyholder’s life. Universal life insurance is a flexible policy that allows policyholders to adjust their coverage and premiums over time.
- Health insurance: Mutual of Omaha offers individual and group health insurance plans, including Medicare supplement insurance. Medicare supplement insurance helps cover the costs of healthcare expenses that are not covered by Medicare.
- Disability insurance: This type of insurance provides income protection if an illness or injury prevents a policyholder from working. Mutual of Omaha’s disability insurance policies can provide coverage for both short-term and long-term disabilities.
- Long-term care insurance: This type of insurance helps cover the costs of long-term care services, such as nursing home care and in-home care. Mutual of Omaha’s long-term care insurance policies can provide coverage for a range of services, including skilled nursing care, assisted living, and home health care.
In addition to these insurance products, Mutual of Omaha also offers annuities, which are financial products that can provide a steady stream of income in retirement.
The company’s annuity products include fixed annuities, indexed annuities, and immediate annuities.
States Offering Mutual of Omaha Insurance
Mutual of Omaha offers insurance products and services in all 50 states in the United States. This includes both individual and group insurance plans, as well as Medicare supplement insurance.
The company has a nationwide network of licensed agents who can help customers find the right insurance solutions for their needs.
However, it’s worth noting that the availability of specific insurance products and services may vary by state. For example, some states may have different regulations or requirements for certain types of insurance, such as long-term care insurance.
Additionally, the cost of insurance products and services can vary depending on where a policyholder lives, as factors such as local healthcare costs and insurance regulations can impact pricing.
Cost of Coverage With Mutual of Omaha Insurance
The cost of insurance through Mutual of Omaha can vary depending on several factors, including the type of insurance, the amount of coverage, the policyholder’s age and health status, and where they live.
It’s important to note that these are just general estimates and that the cost of insurance can vary widely depending on individual circumstances.
Customers can get a more personalized estimate of the cost of insurance through Mutual of Omaha by using the company’s online quote tool or speaking with a licensed insurance agent.
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Discounts Offered at Mutual of Omaha Insurance
Mutual of Omaha offers a range of discounts to help customers save money on their insurance premiums. Here are some of the discounts available and how customers can qualify for them:
- Multi-policy discount: Customers can save money by bundling multiple insurance policies with Mutual of Omaha, such as auto and home insurance. The specific discount amount varies depending on the policies being bundled, but customers can typically save up to 25% on their premiums.
- Safe driving discount: Mutual of Omaha offers a safe driving discount to customers who have a good driving record and have completed an approved defensive driving course. The discount amount varies depending on the state and the specific course completed, but customers can typically save up to 10% on their auto insurance premiums.
- Age-based discounts: Mutual of Omaha offers a range of age-based discounts for certain insurance products. For example, customers who purchase a long-term care insurance policy before the age of 65 may qualify for a discount. Similarly, customers who purchase a Medicare supplement insurance policy within six months of turning 65 may qualify for a lower premium rate.
- Health-based discounts: Mutual of Omaha offers some health-based discounts for certain insurance products. For example, customers who purchase a life insurance policy and pass a medical exam may qualify for a lower premium rate. Similarly, customers who purchase a long-term care insurance policy and meet certain health criteria may qualify for a lower premium rate.
It’s worth noting that the availability and specific details of these discounts can vary depending on the state and insurance product.
Customers should check with Mutual of Omaha or a licensed insurance agent to find out more about the discounts available for their specific insurance needs.
Additionally, it’s important to remember that discounts may not be available in all states and that not all customers may qualify for every discount.
Mutual of Omaha Insurance Customer Reviews
Mutual of Omaha generally receives positive reviews from its customers, with many praising the company’s customer service and affordable premiums.
While the majority of reviews are positive, there are some negative reviews as well, with some customers citing issues with claims processing or customer service.
However, it’s worth noting that negative reviews tend to be in the minority, and many customers express satisfaction with their experience with Mutual of Omaha.
As with any insurance company, customers need to do their research and compare options before choosing a policy. Customers should consider factors such as cost, coverage options, and customer service when evaluating different insurance providers.
In Summary: Mutual of Omaha Insurance
In conclusion, Mutual of Omaha is a well-established insurance company with a long history of providing quality insurance products and services to its customers.
The company offers a range of insurance products, including auto insurance, life insurance, long-term care insurance, and Medicare supplement insurance, among others.
Its products are available in some states, and the company offers a variety of discounts to help customers save money on their premiums.