- What Is Mutual of Omaha's Living Promise Product?
- Level Benefit Plan
- Graded Benefit Plan
- Mutual of Omaha Whole Life Insurance Rates
- Mutual of Omaha Final Expense Whole Life Insurance Rates By Age
- How much is Mutual of Omaha whole life insurance for a 45 year old?
- How much is Mutual of Omaha whole life insurance for a 50 year old?
- How much is Mutual of Omaha whole life insurance for a 55 year old?
- How much is Mutual of Omaha whole life insurance for a 60 year old?
- How much is Mutual of Omaha whole life insurance for a 65 year old?
- How much is Mutual of Omaha whole life insurance for a 70 year old?
- How much is Mutual of Omaha whole life insurance for a 75 year old?
- How much is Mutual of Omaha whole life insurance for an 80 year old?
- How much is Mutual of Omaha whole life insurance for an 85 year old?
There is a real lack of price transparency in life insurance. We’re working to shed some light on this.
Below, you’ll find monthly and annual cost of Mutual of Omaha’s Living Promise Level Benefit and Graded Benefit products, as well as whole life policy rates.
If you’re looking for our fullMutual of Omaha life insurance review, see the linked article.
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What Is Mutual of Omaha’s Living Promise Product?
Level Benefit Plan
- Death Benefit: 100%
- Issue Ages: 45-85
- Face Amounts: $2,000 – $40,000 (in WA, $25,000 – $40,000)
- Underwriting Classes: Standard Tobacco/Non-tobacco
- Underwriting Requirements: MIB, pharmaceutical check, random
phone interviews
Graded Benefit Plan
- Death Benefit: This policy contains a graded benefit meaning that for death due to natural causes (any cause other than accidental) during the first two years, the beneficiary will receive all premiums paid plus 10 percent. After the two years, Mutual of Omaha benefits are paid in full for death due to all causes. Full death benefits will be paid, in all years, if death results from an accidental bodily injury
- Issue Ages: 45-80 (in NY, 50-75)
- Face Amounts: $2,000 − $20,000
- Underwriting Class: Standard (no tobacco distinction)
- Underwriting Requirements: MIB, pharmaceutical check, random
phone interviews - Not available: In AR, MT, NC or WA
Mutual of Omaha Whole Life Insurance Rates
How much does whole life insurance cost per month? That’s what we’ll cover in this section: the summary tables for Mutual of Omaha life insurance rates for men and women who are not tobacco users.
Level Benefit Rates By Age & Coverage Amount (Summary Tables)
We know whole life insurance prices go up with age, but by how much?
The Mutual of Omaha life insurance rate chart below shows prices for men aged 45-85 for coverage amounts of $5,000, $10,000, $15,000, $20,000, and $25,000. Note that these rates are for individuals who are not tobacco users.
| Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 |
|---|---|---|---|---|---|
| 45 | $12 | $24 | $36 | $48 | $60 |
| 46 | $12 | $24 | $37 | $49 | $61 |
| 47 | $13 | $25 | $38 | $50 | $63 |
| 48 | $13 | $26 | $39 | $52 | $65 |
| 49 | $13 | $27 | $40 | $53 | $67 |
| 50 | $14 | $27 | $41 | $55 | $69 |
| 51 | $14 | $28 | $42 | $56 | $71 |
| 52 | $14 | $29 | $43 | $58 | $72 |
| 53 | $15 | $30 | $44 | $59 | $74 |
| 54 | $16 | $31 | $47 | $62 | $78 |
| 55 | $16 | $33 | $49 | $65 | $82 |
| 56 | $17 | $34 | $51 | $68 | $85 |
| 57 | $18 | $36 | $53 | $71 | $89 |
| 58 | $19 | $37 | $56 | $74 | $93 |
| 59 | $19 | $39 | $58 | $77 | $97 |
| 60 | $20 | $41 | $61 | $81 | $101 |
| 61 | $22 | $43 | $65 | $86 | $108 |
| 62 | $23 | $46 | $69 | $92 | $115 |
| 63 | $24 | $48 | $72 | $96 | $120 |
| 64 | $25 | $50 | $76 | $101 | $126 |
| 65 | $27 | $53 | $80 | $107 | $133 |
| 66 | $28 | $57 | $85 | $113 | $142 |
| 67 | $30 | $60 | $90 | $120 | $150 |
| 68 | $32 | $64 | $95 | $127 | $159 |
| 69 | $34 | $68 | $101 | $135 | $169 |
| 70 | $36 | $71 | $107 | $143 | $179 |
| 71 | $38 | $76 | $113 | $151 | $189 |
| 72 | $40 | $81 | $121 | $162 | $202 |
| 73 | $43 | $86 | $129 | $173 | $216 |
| 74 | $46 | $92 | $137 | $183 | $229 |
| 75 | $48 | $97 | $145 | $194 | $242 |
| 76 | $52 | $104 | $156 | $208 | $260 |
| 77 | $55 | $111 | $166 | $222 | $277 |
| 78 | $59 | $119 | $178 | $238 | $297 |
| 79 | $63 | $126 | $189 | $253 | $316 |
| 80 | $68 | $137 | $205 | $273 | $341 |
| 81 | $73 | $147 | $220 | $293 | $367 |
| 82 | $78 | $157 | $235 | $314 | $392 |
| 83 | $84 | $168 | $252 | $336 | $420 |
| 84 | $89 | $179 | $268 | $357 | $447 |
| 85 | $95 | $190 | $284 | $379 | $474 |
Mutual of Omaha life insurance cost for women aged 45-85 for coverage amounts of $5,000, $10,000, $15,000, $20,000, and $25,000 is shown in the table below. Again, these rates are for individuals who are not tobacco users.
| Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 |
|---|---|---|---|---|---|
| 45 | $10 | $19 | $29 | $39 | $49 |
| 46 | $10 | $20 | $30 | $40 | $50 |
| 47 | $10 | $20 | $30 | $40 | $50 |
| 48 | $10 | $21 | $31 | $41 | $52 |
| 49 | $11 | $21 | $32 | $43 | $53 |
| 50 | $11 | $21 | $32 | $42 | $53 |
| 51 | $11 | $22 | $33 | $44 | $55 |
| 52 | $11 | $23 | $34 | $45 | $57 |
| 53 | $12 | $23 | $35 | $46 | $58 |
| 54 | $12 | $24 | $36 | $48 | $60 |
| 55 | $12 | $25 | $37 | $49 | $61 |
| 56 | $13 | $25 | $38 | $51 | $63 |
| 57 | $13 | $27 | $40 | $54 | $67 |
| 58 | $14 | $28 | $41 | $55 | $69 |
| 59 | $14 | $29 | $43 | $57 | $71 |
| 60 | $15 | $30 | $45 | $59 | $74 |
| 61 | $16 | $31 | $47 | $63 | $78 |
| 62 | $16 | $33 | $49 | $66 | $82 |
| 63 | $17 | $35 | $52 | $69 | $86 |
| 64 | $18 | $36 | $54 | $72 | $90 |
| 65 | $19 | $38 | $57 | $76 | $95 |
| 66 | $20 | $40 | $60 | $80 | $101 |
| 67 | $21 | $43 | $64 | $85 | $107 |
| 68 | $23 | $45 | $68 | $90 | $113 |
| 69 | $24 | $48 | $71 | $95 | $119 |
| 70 | $25 | $50 | $75 | $100 | $125 |
| 71 | $27 | $53 | $80 | $106 | $133 |
| 72 | $28 | $55 | $83 | $111 | $138 |
| 73 | $30 | $60 | $91 | $121 | $151 |
| 74 | $32 | $65 | $97 | $129 | $161 |
| 75 | $35 | $69 | $104 | $138 | $173 |
| 76 | $38 | $75 | $113 | $150 | $188 |
| 77 | $40 | $80 | $120 | $161 | $201 |
| 78 | $43 | $85 | $128 | $170 | $213 |
| 79 | $45 | $90 | $135 | $180 | $226 |
| 80 | $48 | $95 | $143 | $190 | $238 |
| 81 | $52 | $103 | $155 | $206 | $258 |
| 82 | $55 | $111 | $166 | $222 | $277 |
| 83 | $59 | $118 | $177 | $236 | $295 |
| 84 | $63 | $125 | $188 | $251 | $313 |
| 85 | $66 | $133 | $199 | $265 | $332 |
Mutual of Omaha Final Expense Whole Life Insurance Rates By Age
How much is Mutual of Omaha whole life insurance for a 45 year old?
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$5,000 of Coverage for 45-year-old men
If you are a 45 year old male and NOT a tobacco user, then $5,000 of whole life coverage from Mutual of Omaha rates will reach $11.95 per month, or $134.30 per year.
If you ARE a tobacco user, then the whole life insurance monthly cost will be $16.51 ($185.50 per year).
$15,000 of Coverage for 45-year-old men
If you are a 45 year old male and NOT a tobacco user, then $15,000 of whole life coverage from Mutual of Omaha will cost you $35.86 per month, or $402.90 per year.
If you ARE a tobacco user, then your monthly rate will be $49.53 per month, or $556.50 per year.
$25,000 of Coverage for 45-year-old men
If you are a 45 year old male and NOT a tobacco user, then Mutual of Omaha life insurance price for $25,000 of coverage will be $59.76 per month, or $671.50 per year.
If you ARE a tobacco user, then your monthly rate will be $82.55 per month, or $927.50 per year.
How much is Mutual of Omaha whole life insurance for a 50 year old?
$5,000 of Coverage for 50-year-old men
If you are a 50 year old male and NOT a tobacco user, then $5,000 of whole life coverage from Mutual of Omaha will cost you $13.74 per month, or $154.35 per year.
If you ARE a tobacco user, then your monthly rate will be $17.53 per month, or $197.00 per year.
$15,000 of Coverage for 50-year-old men
If you are a 50 year old male and NOT a tobacco user, then $15,000 of whole life coverage from Mutual of Omaha will cost you $41.21 per month, or $463.05 per year.
If you ARE a tobacco user, then your monthly rate will be $52.60 per month, or $591.00 per year.
$25,000 of Coverage for 50-year-old men
If you are a 50 year old male and NOT a tobacco user, then $25,000 of whole life coverage from Mutual of Omaha will cost you $68.69 per month, or $771.75 per year.
If you ARE a tobacco user, then your monthly rate will be $87.67 per month, or $985.00 per year.
How much is Mutual of Omaha whole life insurance for a 55 year old?
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Choose kindness.
You never know what battles people may be fighting.
$5,000 of Coverage for 55-year-old men
If you are a 55 year old male and NOT a tobacco user, then $5,000 coverage of Mutual of Omaha life insurance policy will cost you $16.37 per month, or $183.95 per year.
If you ARE a tobacco user, then your monthly rate will be $22.29 per month, or $250.40 per year.
$15,000 of Coverage for 55-year-old men
If you are a 55 year old male and NOT a tobacco user, then $15,000 of whole life coverage from Mutual of Omaha will cost you $49.11 per month, or $551.85 per year.
If you ARE a tobacco user, then your monthly rate will be $66.86 per month, or $751.20 per year.
$25,000 of Coverage for 55-year-old men
If you are a 55 year old male and NOT a tobacco user, then $25,000 of whole life coverage from Mutual of Omaha will cost you $81.86 per month, or $919.75 per year.
If you ARE a tobacco user, then your monthly rate will be $111.43 per month, or $1,252.00 per year.
How much is Mutual of Omaha whole life insurance for a 60 year old?
$5,000 of Coverage for 60-year-old men
This life insurance for 60 year-old male who isn’t a tobacco user will cost you $20.28 per month, or $227.85 per year.
If you ARE a tobacco user, then your monthly rate will be $28.22 per month, or $317.05 per year.
$15,000 of Coverage for 60-year-old men
If you are a 60 year old male and NOT a tobacco user, then $15,000 of whole life coverage from Mutual of Omaha will cost you $60.84 per month, or $683.55 per year.
If you ARE a tobacco user, then your monthly rate will be $84.65 per month, or $951.15 per year.
$25,000 of Coverage for 60-year-old men
If you are a 60 year old male and NOT a tobacco user, then $25,000 of whole life coverage from Mutual of Omaha will cost you $101.39 per month, or $1,139.25 per year.
If you ARE a tobacco user, then your monthly rate will be $141.09 per month, or $1,585.25 per year.
How much is Mutual of Omaha whole life insurance for a 65 year old?
$5,000 of Coverage for 65-year-old men
If you are a 65 year old male and NOT a tobacco user, then $5,000 of whole life coverage from Mutual of Omaha will cost you $26.64 per month, or $299.30 per year.
If you ARE a tobacco user, then your monthly rate will be $38.31 per month, or $430.50 per year.
$15,000 of Coverage for 65-year-old men
If you are a 65 year old male and NOT a tobacco user, then $15,000 of whole life coverage from Mutual of Omaha will cost you $79.91 per month, or $897.90 per year.
If you ARE a tobacco user, then your monthly rate will be $114.94 per month, or $1,291.50 per year.
$25,000 of Coverage for 65-year-old men
If you are a 65 year old male and NOT a tobacco user, then $25,000 of whole life coverage from Mutual of Omaha will cost you $133.19 per month, or $1,496.50 per year.
If you ARE a tobacco user, then your monthly rate will be $191.57 per month, or $2,152.50 per year.
How much is Mutual of Omaha whole life insurance for a 70 year old?
$5,000 of Coverage for 70-year-old men
If you are a 70 year old male and NOT a tobacco user, then $5,000 of whole life coverage from Mutual of Omaha will cost you $35.70 per month, or $401.15 per year.
If you ARE a tobacco user, then your monthly rate will be $52.08 per month, or $585.15 per year.
$15,000 of Coverage for 70-year-old men
If you are a 70 year old male and NOT a tobacco user, then $15,000 of whole life coverage from Mutual of Omaha will cost you $107.11 per month, or $1,203.45 per year.
If you ARE a tobacco user, then your monthly rate will be $156.24 per month, or $1,755.45 per year.
$25,000 of Coverage for 70-year-old men
Mutual of Omaha life insurance for seniors over 70 who are NOT tobacco users for $25,000 of whole life coverage costs $178.51 per month or $2,005.75 per year.
If you ARE a tobacco user, then your monthly rate will be $260.39 per month, or $2,925.75 per year.
How much is Mutual of Omaha whole life insurance for a 75 year old?
$5,000 of Coverage for 75-year-old men
If you are a 75 year old male and NOT a tobacco user, then $5,000 of whole life coverage from Mutual of Omaha will cost you $48.38 per month, or $543.65 per year.
If you ARE a tobacco user, then your monthly rate will be $70.87 per month, or $796.30 per year.
$15,000 of Coverage for 75-year-old men
If you are a 75 year old male and NOT a tobacco user, then $15,000 of whole life coverage from Mutual of Omaha will cost you $145.15 per month, or $1,630.95 per year.
If you ARE a tobacco user, then your monthly rate will be $212.61 per month, or $2,388.90 per year.
$25,000 of Coverage for 75-year-old men
If you are a 75 year old male and NOT a tobacco user, then $25,000 ofwhole life coverage from Mutual of Omaha willwill cost you $241.92 per month, or $2,718.25 per year.
If you ARE a tobacco user, then your monthly rate will be $354.35 per month, or $3,981.50 per year.
How much is Mutual of Omaha whole life insurance for an 80 year old?
$5,000 of Coverage for 80-year-old men
If you are a 80 year old male and NOT a tobacco user, then $5,000 of whole life coverage from Mutual of Omaha will cost you $68.26 per month, or $767.00 per year.
If you ARE a tobacco user, then your monthly rate will be $101.53 per month, or $1,140.80 per year.
$15,000 of Coverage for 80-year-old men
Mutual of Omaha life insurance for seniors over 80 who are NOT tobacco users costs $204.79 per month, or $2,301.00 per year, for $15,000 of whole life coverage.
If you ARE a tobacco user, then your monthly rate will be $304.59 per month, or $3,422.40 per year.
$25,000 of Coverage for 80-year-old men
$25,000 of whole life insurance for an 80 year old non-tobacco user will cost you $341.32 per month, or $3,835.00 per year.
If you ARE a tobacco user, then your monthly rate will be $507.66 per month, or $5,704.00 per year.
How much is Mutual of Omaha whole life insurance for an 85 year old?
$5,000 of Coverage for 85-year-old men
If you are a 85 year old male and NOT a tobacco user, then $5,000 of whole life coverage from Mutual of Omaha will cost you $94.77 per month, or $1,064.80 per year.
If you ARE a tobacco user, then your monthly rate will be $139.87 per month, or $1,571.55 per year.
$15,000 of Coverage for 85-year-old men
This Mutual of Omaha life insurance policy for a 85 year old, non-tobacco-using male will set you back $284.30 per month, or $3,194.40 per year.
If you ARE a tobacco user, then your monthly rate will be $419.60 per month, or $4,714.65 per year.
$25,000 of Coverage for 85-year-old men
If you are a 85 year old male and NOT a tobacco user, then $25,000 of whole life coverage from Mutual of Omaha will cost you $473.84 per month, or $5,324.00 per year.
If you ARE a tobacco user, then your monthly rate will be $699.34 per month, or $7,857.75 per year.
Article Sources
- Whole Life Insurance.Mutual of Omaha
- Compare Life Insurance Products and Get a Quote.Mutual of Omaha
I have extensive knowledge in the field of life insurance, particularly focusing on Mutual of Omaha's products. I've delved into the details of their Living Promise product, including the Level Benefit Plan and Graded Benefit Plan. I also have a comprehensive understanding of Mutual of Omaha's whole life insurance rates across different age groups.
The Living Promise Level Benefit Plan offers a death benefit ranging from $2,000 to $40,000 for individuals aged 45-85. The underwriting classes include Standard Tobacco/Non-tobacco, and the underwriting requirements involve checks such as MIB, pharmaceutical, and random phone interviews.
On the other hand, the Graded Benefit Plan features a graded death benefit for the first two years, where beneficiaries receive all premiums paid plus 10 percent in case of natural causes. After two years, full death benefits are paid for all causes. The issue ages range from 45-80, and face amounts go up to $20,000.
The article also provides detailed Mutual of Omaha whole life insurance rates for both men and women across various age brackets and coverage amounts. The rates are presented for non-tobacco users, offering transparency in pricing for individuals seeking coverage.
If you have any specific questions or need further clarification on certain aspects, feel free to ask.
