Mutual of Omaha life insurance
A closer look at Guaranteed Whole Life and its graded death benefit.
Checked facts and conditions
Issuing insurer
The disclosure identifies United of Omaha Life Insurance Company; in New York, Companion Life Insurance Company underwrites life insurance. Coverage and terms may vary by state.
Source: Guaranteed Whole Life offer and exclusions — disclosure D621520_0226 ↓Acceptance and ages
The advertised Guaranteed Whole Life product requires no medical exams or health questions. Listed ages are 45–85, or 50–75 in New York. These are not company-wide issue-age limits.
Source: Guaranteed Whole Life offer and exclusions — disclosure D621520_0226 ↓First two years
For natural-cause death during the first two years, the disclosed benefit is premiums paid plus 10%. Qualifying accidental death has full benefits from issue; full all-cause benefits apply after two years. Outstanding policy loans and policy exclusions still matter.
Source: Guaranteed Whole Life offer and exclusions — disclosure D621520_0226 ↓Questions for your actual offer
- What benefit applies to my exact policy during its first two years?
- What exclusions and state-specific variations are in the contract?
- What coverage amount and premium can I actually purchase?
- Am I comparing guaranteed-acceptance coverage with an underwritten alternative?
This profile does not assign a score or establish a personal premium, approval, claim outcome or complete list of policy exclusions. Review the specific contract and state disclosures.
Provider sources
- Mutual of Omaha life insurance overview ↗
Checked 2026-09-14
- Guaranteed Whole Life offer and exclusions — disclosure D621520_0226 ↗
Checked 2026-09-14 · Document date: 2026-02