Mutual of Omaha Life Insurance in Tennessee
Educational guide to Mutual of Omaha life insurance products, financial strength, and availability for Tennessee residents.
Company Snapshot
About Mutual of Omaha
Mutual of Omaha is a Fortune 500 mutual insurance company offering life insurance, supplemental health insurance, annuities, and Medicare supplement products. Founded in 1909, the company is owned by its policyholders and is known for its strong presence in the supplemental insurance and final expense markets. Mutual of Omaha also offers a range of individual term and permanent life insurance products through independent agents.
Mutual of Omaha in Tennessee
Mutual of Omaha products are available to Tennessee residents through independent agents throughout the state. The company has a broad distribution network and is particularly well known in the Medicare supplement and final expense insurance markets. Tennessee residents can access the full range of Mutual of Omaha life insurance products through licensed agents.
Understanding the A+ Rating from A.M. Best
Superior Financial Strength
A.M. Best is a credit rating agency focused exclusively on the insurance industry. The agency evaluates insurers' financial conditions, operating performance, and ability to meet ongoing obligations to policyholders.
Mutual of Omaha holds an A+ rating from A.M. Best with a Stable outlook. This is the second-highest rating category from A.M. Best, indicating a superior ability to meet ongoing insurance obligations.
Financial strength ratings reflect A.M. Best's assessment of an insurer's ability to pay claims. They are not recommendations to purchase insurance from any specific carrier. Rating information is current as of the most recent A.M. Best evaluation.
Life Insurance Products from Mutual of Omaha
Products available to Tennessee residents through licensed agents
Term Life Insurance
- Level term options for 10, 15, 20, and 30 years
- Competitive pricing for healthy applicants
- Many policies convertible to permanent coverage (terms vary by carrier)
Whole Life Insurance
- Guaranteed level premiums and guaranteed death benefit
- Cash value accumulation over the life of the policy
- Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance carrier
Final Expense Insurance
- Simplified underwriting with no medical exam required
- Smaller face amounts for end-of-life expenses
- Living benefits rider available on some policies
Universal Life Insurance
- Flexible premium and death benefit options
- Indexed universal life options with 0% floor and cap rates (typically 8-12%); policy fees apply
- Cash value accumulation potential
Mutual of Omaha Strengths
- A+ (Superior) rating from A.M. Best reflects strong financial strength
- Mutual company structure aligns interests with policyholders
- Strong reputation in the final expense and supplemental insurance markets
- Fortune 500 company with more than 115 years of continuous operation
- Broad independent agent distribution network
Things to Know About Mutual of Omaha
Balanced considerations to discuss with a licensed agent
- May be more closely associated with supplemental and Medicare products than traditional life insurance
- Cash value growth in whole life policies builds gradually in the early policy years
- Indexed universal life options include cap rates (typically 8-12%), a 0% floor, and policy fees
- Premium pricing for larger face amount policies should be compared against carriers specializing in high-value coverage
Financial Highlights
Holds an A+ (Superior) financial strength rating from A.M. Best
Fortune 500 company by revenue
Mutual company with strong policyholder surplus
More than 115 years of continuous operation since 1909
Customer Service
Mutual of Omaha provides policyholder support through its service center, online portal, and independent agent network. The company is known for accessible service, particularly for Medicare supplement and final expense products. Digital tools support policy management and premium payments.
How to Get a Mutual of Omaha Quote in Tennessee
Agents in our network are independent licensed Tennessee insurance professionals who may represent Mutual of Omaha alongside other A-rated (A.M. Best) carriers. When you request a free quote, you will be connected with a licensed Tennessee agent who can:
- 1 Explain Mutual of Omaha product options in detail
- 2 Compare Mutual of Omaha with other carriers based on your general needs
- 3 Provide personalized quotes based on your health, age, and coverage goals
- 4 Guide you through the application and underwriting process
Quotes are estimates subject to underwriting. A licensed agent in our network will contact you to discuss options. Submitting a quote request constitutes consent to be contacted by a licensed agent.
Mutual of Omaha Questions
Yes, Mutual of Omaha is licensed in Tennessee and offers life insurance products through independent agents throughout the state. Agents in our network may represent Mutual of Omaha and can help you compare options from multiple carriers.
Mutual of Omaha Insurance Company holds an A+ (Superior) rating from A.M. Best, a credit rating agency focused on the insurance industry. This rating indicates a superior ability to meet ongoing insurance obligations.
Yes, Mutual of Omaha is well known for its final expense insurance products. These policies provide smaller face amounts to cover end-of-life expenses and typically feature simplified underwriting without a medical exam. A licensed Tennessee agent can help you evaluate final expense options.
Yes, Mutual of Omaha is a mutual company, meaning it is owned by its policyholders rather than public shareholders. This structure can align the company's interests with those of its policyholders.
Yes, Mutual of Omaha offers level term life insurance with term periods of 10, 15, 20, and 30 years. The company also offers whole life, universal life, and indexed universal life products. A licensed agent can help you compare options.
Other Insurance Carriers
Compare additional A-rated (A.M. Best) carriers available in Tennessee
This page is for educational purposes only. Tennessee Life Protection is not affiliated with, endorsed by, or sponsored by Mutual of Omaha Insurance Company. Information is based on publicly available data and is believed to be accurate but may change. A.M. Best ratings are current as of the most recent evaluation. Agents in our network are independent licensed professionals who may represent one or more of the carriers listed. This site does not provide insurance coverage; coverage is provided by the issuing insurance carrier through licensed agents. Guarantees referenced on this page are backed by the financial strength and claims-paying ability of the issuing insurance carrier.
Explore Mutual of Omaha Options with a Licensed Tennessee Agent
Agents in our network can help you compare Mutual of Omaha alongside other A-rated (A.M. Best) carriers. Request a free quote to connect with a licensed Tennessee agent.
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