Secure a Lifelong Safety Net with Whole Life Insurance

Reliable Financial Safety Nets for Life’s Unexpected Turns

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Whole Life Insurance: A Lifetime of Protection

What is Whole Life Insurance?

Whole life insurance offers lifelong coverage, ensuring a guaranteed death benefit for your beneficiaries. Beyond just a death benefit, these policies also build cash value over time, acting as both lifelong protection and a financial asset.
Whether you're planning long-term financial goals or seeking lasting protection, Mutual of Omaha's Whole Life Insurance is a smart choice.

Mutual of Omaha Permanent Insurance could be right for you if:

Want coverage for your entire life, ensuring that beneficiaries receive a death benefit whenever you pass away.

Have long-term financial goals and are willing to pay higher premiums for a policy that builds cash value

Are seeking long-term financial protection and are interested in a policy that combines a death benefit with a cash value component.

Types of Whole Life Insurance

Understanding the different types of whole life insurance is key to finding the right fit for your financial needs. Our agents are here to guide you through the options that cater to different financial strategies and preferences, ensuring that you can find a plan that aligns perfectly with your goals:

Level Payment

Premiums remain unchanged throughout the duration of the policy. This is the most common type of payment plan.

Single Premium

Ideal for those who prefer a one-time payment, this option fully funds your policy for life. Remember, it typically has different tax implications than a modified endowment contract.

Limited Payment

Pay premiums for a set number of years with this option. While the premiums are higher, the payment period is shorter, offering a balance between cost and duration

Modified Whole Life Insurance

Starting with lower premiums that increase in later years, this option initially eases the financial burden but will cost more over the long term.

Key Features of Whole Life Insurance

Simplified underwriting, typically no medical exam

Cash value builds over time and premiums are fixed

Children’s whole life available: Issue age as early as 14 days

Policy is guaranteed to age 100 as long as premium is paid

Why Mutual of Omaha?

Personalized Guidance

Our team of professionals is dedicated to helping you navigate your options, offering the guidance you need for an informed decision.

Comprehensive Coverage

Designed to provide enduring protection for your family, our policies cover end-of-life expenses and offer emergency cash value access.

Simplified Process

We make exploring options and applying for a plan easy, with an expert team always ready to assist.

A Trusted Brand

With over a century of experience, Mutual of Omaha is a name you can trust for your Whole Life Insurance solution.

Frequently Asked Questions

How much life insurance do I need?

Your life insurance policy depends on factors such as your family circumstances, your financial health, and your age. As a basic rule of thumb, if your loved ones are more financially dependent on you, you will need more coverage. Complete your quote request or call to speak to an advisor for help determining your needs.

How affordable is life insurance?

When choosing life insurance, take into account factors such as short-term and long-term cost, coverage, and cash value. A Mutual of Omaha advisor can work with you to determine a life insurance policy that will both meet your family’s coverage needs and be affordable.

How do I apply for life insurance?

There are several life insurance products from Mutual of Omaha that will allow you to get a quote or apply online. If you have more complex needs, our advisors are standing by to discuss and build a policy tailored to your unique situation. You can request a quote or call to speak to an advisor and start on your life insurance journey.

Is a medical exam required?

We offer both traditional life insurance products requiring a medical exam as well as express products that offer the convenience of a simplified underwriting process and no medical exam.