Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 28, 2020

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Company Details
Address: 3300 Mutual of Omaha Plaza
City: Omaha
State: NE
ZIP Code: 68175
Phone Number: 800-205-8193
Website: Link
Year Founded: 1909
AM Best Rating: A+
Company Rating 0 (0 reviews)

This car insurance review is about Mutual of Omaha, the company that took over Omaha Indemnity and absorbed it into their company. Does Mutual of Omaha have car insurance? Unfortunately, Mutual of Omaha does not sell car insurance. This Mutual of Omaha car insurance review will explore other options this company does offer. Although Mutual…

Here's what you need to know...

  • Mutual of Omaha took over Omaha Indemnity
  • Mutual of Omaha does not sell auto insurance; they sell life and supplemental insurance
  • Better Business Bureau and A.M. Best gave Mutual of Omaha an A+ rating

This car insurance review is about Mutual of Omaha, the company that took over Omaha Indemnity and absorbed it into their company.

Does Mutual of Omaha have car insurance? Unfortunately, Mutual of Omaha does not sell car insurance. This Mutual of Omaha car insurance review will explore other options this company does offer.

Although Mutual of Omaha car insurance isn’t available you can enter your ZIP code in our free comparison tool to start comparing rates from the best car insurance companies in your local area.

Table of Contents

Mutual of Omaha Car Insurance

What kind of insurance is Mutual of Omaha? Mutual of Omaha is indeed an insurance company, but car insurance is not available with this company. But you need car insurance, right? Don’t worry, we can give you some details on how much car insurance costs.

What is Mutual of Ohama’s availability by state?

Although Mutual of Ohama doesn’t have car insurance, they are licensed to do business in all 50 states in the United States, Virgin Islands, and Puerto Rico.

Car insurance has to be available in each state. U.S. law dictates that all motorists have the minimum requirements for car insurance in their state, in addition to a valid license and registration. The requirements and costs are different in each state. Let’s look at car insurance rates across the U.S. in the map below, so you have a baseline when you compare rates with our FREE tool — even though Mutual of Omaha car insurance rates aren’t available.

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Mutual of Omaha Insurance Coverages Offered

Most providers offer a variety of car insurance coverage options. The major car insurance companies have just about everything, from inland marine insurance to motorcycle insurance to home insurance, and a lot more. Smaller car insurance companies will often have fewer options, and some are even centered around niche types of coverage.

Here are the insurance coverage options Mutual of Omaha provides:

  • Medicare supplement insurance (also known as Medigap)
  • Long-term care insurance
  • Life insurance
  • Disability insurance
  • Critical illness insurance
  • Annuities
  • Investments

Car insurance has not made its way to Mutual of Omaha. However, you still need car insurance coverage so we’ll break down some important information you should know.

The basic car insurance coverages are liability, collision, and comprehensive coverage. Liability auto insurance coverage is the minimum requirement for car insurance. This type of coverage pays for the other driver’s injuries and damage to their vehicle if you’re involved in an accident that is your fault.

Collision car insurance coverage pays for damage to your own vehicle after an accident, regardless of who is at fault, while comprehensive coverage pays for property damage that doesn’t involve collisions.

Comprehensive will cover damage related to weather or natural disasters, fire, falling objects, and theft or vandalism.

Here’s a table that shows the annual cost of liability, collision, and comprehensive coverage.

Average Annual Car Insurance Rates by Coverage Type
Car Insurance Coverage TypeAverage Annual Rates
Liability$555
Collision$326
Comprehensive$148
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In some states, you may be required to purchase additional types of liability coverage. Even if they’re not required, you may choose to add some or all of the following coverage types to your policy:

  • Personal Injury Protection (PIP)
  • Medical Payments (Med Pay)
  • Uninsured/Underinsured Motorist Coverage (UM/UIM)
  • Rental Reimbursement
  • Guaranteed Auto Protection (GAP)
  • Mechanical Breakdown Insurance

PIP and Med Pay are similar in that they both pay for medical costs associated with injuries after an accident, but there are some differences. Check out the video below, which offers a brief primer on both.

Uninsured motorist coverage will help pay for the costs associated with injuries and property damage when the other driver involved in the accident does not have car insurance.

Underinsured motorist coverage will cover bodily injury and property damage costs when the other driver’s car insurance policy doesn’t have enough to pay for all of your bills.

Is Mutual of Omaha a good Medicare supplement company? That would depend on the customer. So, what is the most popular Medicare supplement plan for 2020? The most popular plans are Plan G, Plan F, Plan K, and Plan N.

Does Mutual of Omaha have bundling options?

Insurance companies want your business. Their sales agents regularly review your information to see if you might be interested in another service they offer.

Let’s say you own a home and the car insurance provider sees that information when you get your quote or later on when they’re looking over your policy.

A car insurance agent may offer you a discount if you enroll in home insurance with the same company that handles your car insurance policy.

Mutual of Omaha insurance services are no different. As a customer, you may be able to bundle your Medicare insurance policy with a disability insurance policy. Ask about your bundling options whenever you get a quote from an insurance company.

What car insurance discounts are offered by Mutual of Omaha?

With no car insurance coverage option, Mutual of Omaha will not be able to provide you with car insurance discounts. Discounts for Mutual of Omaha life insurance and Mutual of Omaha health insurance work much differently from car insurance discounts. If you’re pursuing a discount from Mutual of Omaha, contact a Mutual of Omaha agent to discuss how you can lower your insurance rates.

Car insurance discounts vary by company. Some common discounts include:

  • Good Credit
  • Clean Driving Record
  • Senior Drivers
  • Good Students
  • Multiple Cars on One Policy
  • Bundling Insurance Policies
  • Multiple Drivers on One Policy

Continue to look around for car insurance discounts as you shop. Discounts can save you a lot of money.

You can see how discounts might affect your car insurance rates right now by entering your ZIP code in the free comparison tool below.

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What programs are available from Mutual of Omaha?

Mutual of Omaha doesn’t have any car insurance programs, but it does have programs that benefit its employees and those pursuing a career in finance.

The Employee Assistance Program (EAP) offers personal or professional support to employees of Mutual of Omaha to promote general health and well-being.

Employees who are facing personal and professional challenges are recommended to an International Employee Assistance Professionals Association-listed CEAP certified counselor and Master’s level EAP counselor. These counselors assess the situation, provide a solution, and/or refer employees to the appropriate resources.

Mutually Well provides more than one million Mutual of Omaha customers with affordable access to an extensive wellness program. One feature of this program is Tivity Health’s Prime® Fitness, a network of 10,000 fitness centers nationwide available to members.

Under Mutually Well, Mutual of Omaha customers will have access to a mobile app that offers daily plans, recipes, workout programs, health and wellness tips, and discounts on healthy living products and services.

Mutual of Omaha’s Financial Development Program is a three-year program that provides graduates in finance, accounting, and related majors with the essentials they need to become well-rounded professionals in their field of study.

Canceling Your Mutual of Omaha Insurance Policy

You found a cheaper policy and you want to change insurance companies. However, you need to cancel your insurance policy with your current company to start a new policy with the company offering cheaper rates.

Mutual of Omaha follows the same general rule as other insurance companies, so you’ll have to cancel your policy before you can sign up elsewhere. Let’s take a look at Mutual of Omaha’s cancellation process.

How much is an insurance cancellation fee?

Cancellation fees vary by the insurance provider. Some cancellations fees can be as low as $25, but expect to pay a lot more if you’re in the middle of your policy term. If your policy is being canceled for nonpayment, you’ll have to pay for the policy that was neglected before you can start a new policy with another company.

How do I get a refund for my insurance policy?

When you prepay for your car insurance policy and you want to cancel, some car insurance companies will refund you a portion of your money. Why only a portion?

Let’s say you had your policy for two months. Technically, you used the car insurance service for two months even if you’ve never been in an accident. Your car insurance company should refund some of the money back to you for the months you didn’t use.

It’ll be different for Mutual of Omaha because some of its insurance options such as Medicare are examined closely by the government, and money isn’t returned to the customer very often. Contact a Mutual of Omaha representative for details on how the company’s refund policy works.

How do you cancel an insurance policy?

There are many ways to do this. You can contact Mutual of Omaha by phone and tell them that you want to cancel your insurance policy or policies. Now that the internet has become essential, you can send them an email or access your Mutual of Omaha account online to cancel.

In addition to calling or emailing your reasons for cancellation, it would be a good idea to send a certified letter with your name, policy number, address, and phone number to Mutual of Omaha letting them know you want to cancel.

If you want to contact Mutual of Omaha about cancellation, call its toll-free number at 1-800-775-1000

Can I cancel my insurance policy at any time?

As a customer, it’s your right to cancel your insurance policy anytime you need to. However, it’s best to give your insurance company 15 to 30 days’ notice that you’re going to be canceling your policy. If circumstances force you to cancel immediately, you’re still able to do that, but you may have to pay a fee.

How to Make Mutual of Omaha Insurance Claim

The only type of claim you can file with Mutual of Omaha is a life insurance policy claim. This can be done on the company’s website. Once you’ve filled out the first part of the Mutual of Omaha claims form, scroll down to the second part.

Mutual of Omaha will need you to verify your contact information so they can contact you about the life insurance claim. Once you’ve filled everything out, click “Submit.” If you don’t want to file online, you can call Mutual of Omaha’s life insurance claims service at 1-888-493-6902 to check the Mutual of Omaha claim status.

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How to Get a Mutual of Omaha Insurance Quote Online

You may not be able to get a car insurance quote from Mutual of Omaha, but you can get a quote for a whole life insurance policy or a term life insurance policy. We’ll explain how you get both life insurance quotes online.

Step 1: Enter General Information

For this step, all you have to do is enter information about your gender, date of birth, the amount of money you need for your policy, and whether you’re a smoker or not. Enter the basic information requested and click “Get Quote.”

The next step will require you to note whether you’re a smoker or not. When you’re done, click “Calculate Results.”

Step 2: Receive your Whole or Term Life Insurance Quote

After you click “Get Quote” in the whole life insurance quote query, you should receive a quote.

When you have your quotes, you have the option to contact a Mutual of Omaha agent about the quote you received online. They may ask you to set up an online account or give you the address of a Mutual of Omaha location in your area.

Speaking of local insurance rates, if you’d like to compare car insurance rates from multiple companies in your area, just enter your ZIP code in the free comparison tool below.

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Mutual of Omaha Ratings

Whenever you’re thinking about taking out an insurance policy with a company, you should look into how it’s been appraised by financial and credit rating agencies. Here’s a table that summarizes Mutual of Omaha’s ratings from different agencies.

Mutual of Omaha Insurance Company Ratings
Ratings AgencyRating Score
A.M. BestA+
Better Business BureauA+
J.D. Power795
Moody'sA1
NAIC Complaint Index0.65
Standard & Poor'sA+
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Overall, Mutual of Omaha has performed well. According to the ratings, the company has met its obligations to customers and continues to maintain a strong financial standing.

A score of 795 from J.D. Power indicates that Mutual of Omaha has a financial and credit standing that is about average or just above average.

Mutual of Omaha History

Mutual of Omaha was founded in 1909 as the Mutual Benefit Health and Accident Association and transitioned to the name Mutual of Omaha Insurance Company in 1950. By 1958, the company had surpassed one billion dollars in benefits paid out to policyholders.

An interesting factoid about Mutual of Omaha is that it once sponsored a TV show called the Wild Kingdom, which premiered on network television on January 16, 1963. It was a nature show inspired by Mutual of Omaha’s then-CEO V.J. Skutt’s interest in animals. The Wild Kingdom’s last show aired in 1988.

Here’s a short video of a Wild Kingdom broadcast.

Currently, Mutual of Omaha ranks 366th on Fortune 500’s list of top companies. It’s been on the Fortune 500 list for 23 consecutive years.

How is Mutual of Omaha’s online presence?

Like most other major insurance companies, Mutual of Omaha has a website that policyholders can use to access their accounts online. In addition to its website, Mutual of Omaha has several social media profiles where potential and current customers can connect to employees and each other.

Does Mutual of Omaha have commercials?

Mutual of Omaha has commercials that air on broadcast television, as well as some slightly longer ad spots that are available online, like the one below.

The next commercial is from the company’s YouTube channel. It’s shorter than the first but delivers a powerful message about the importance of purchasing life insurance.

Have you seen Mutual of Omaha commercials in your area? If you live in Nebraska or one of the surrounding states and you watch television, you probably have.

Is Mutual of Omaha involved in the community?

Absolutely. The Mutual of Omaha Foundation is Mutual of Omaha’s nonprofit organization that focuses on grant-making investments, supporting the arts through fundraising and sponsorships, and rallying employees to donate and volunteer in the Omaha community.

What do Mutual of Omaha employees have to say?

One of the best ways to measure how employees feel about the company they work for is by looking through employee reviews. Glassdoor provides a collection of reviews from former employees and reports a rating based on those reviews.

Mutual of Omaha has been awarded 3.7 stars out of five on Glassdoor. About 69 percent of employees said they would recommend Mutual of Omaha to a friend, while 97 percent of employees approve of the current CEO, James T. Blackledge. Mutual of Omaha is a private company with over 5,000 employees nationwide

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The Bottom Line

If you’re looking for car insurance, you won’t find it at Mutual of Omaha. You’ll have to enroll in a car insurance policy with another insurance company. Based on financial and credit ratings, Mutual of Omaha is a good company that earns billions of dollars per year and maintains a good relationship with its customers.

Frequently Asked Questions: Mutual of Omaha Insurance

The final section of this review will focus on questions that are commonly asked on search engines across the internet. If you want more information on car insurance, take a look at some of the other guides and reviews available on this site.

#1 – Is Mutual of Omaha a good company to work for?

Mutual of Omaha employees have rated the insurance company with 3.7 stars on Glassdoor, and 97 percent of former employees approve of the CEO. Also, the company has excellent ratings from financial and credit rating agencies. Mutual of Omaha dental insurance isn’t mentioned but ask if they have it available.

#2 – What is Mutual of Omaha’s A.M. Best rating?

Mutual of Omaha’s A.M. Best Rating is an “A+,” which means the company should have no issues meeting its financial obligations to customers for the foreseeable future.

#3 – Is Mutual of Omaha a good mortgage lender?

That would be up to the individual customer. Some may find Mutual of Omaha more than capable of meeting their mortgage-lending needs, others may not. Currently, the Mutual of Omaha mortgage department has five stars on Google and an A+ rating from the Better Business Bureau.

#4 – Does Mutual of Omaha have Medigap insurance?

Yes. In fact, the company has been rated as one of the top Medigap providers by financial and credit rating agencies. Mutual of Omaha hospital insurance works with Medicare and Medigap programs to provide more extensive protection to its customers.

#5 – What does Mutual of Omaha pay?

Mutual of Omaha is an insurance company that has life insurance, home insurance, mortgage, and Medicare insurance options. Mutual of Omaha may periodically pay an escrow to the homeowner for Mutual of Omaha home insurance or pay life insurance claims under the Mutual of Omaha life insurance department. Individual sums will vary based on circumstances.

#6 – What is the Mutual of Omaha logo?

Mutual of Omaha’s logo features an indigenous Native American silhouette in white or blue.

#7 – Is there a Mutual of Omaha located in New York?

Mutual of Omaha addresses are all over the United States. There are two Mutual of Omaha locations in New York City:

  • Mutual of Omaha Insurance Co. – 99 Wall St #18, New York, NY 10005
  • Mutual of Omaha Insurance Co. – 201 E 42nd St, New York, NY 10017

Most of the Mutual of Omaha claims address may be the same as the corporate location.

#8 – Who is the cheapest car insurance company?

The cheapest car insurance company depends on your driving record, credit history, age, gender, and location.

You still need car insurance, right? Don’t worry, you can start comparing car insurance rates now by entering your ZIP code in the free comparison tool below.