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 rates for Mutual of Omaha’s Living Promise Level Benefit and Graded Benefit products.
If you’re looking for our full Mutual of Omaha life insurance review, see the linked article.
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, the full benefit is paid 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
This first things we’ll cover in this section are the summary tables for Mutual of Omaha’s Living Promise Level Benefit whole life insurance rates for men and women who are not tobacco users.
Level Benefit Rates By Age & Coverage Amount (Summary Tables)
The first table shows the rates for men ages 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 | $11.95 | $23.91 | $35.86 | $47.81 | $59.76 |
46 | $12.24 | $24.48 | $36.71 | $48.95 | $61.19 |
47 | $12.57 | $25.13 | $37.70 | $50.27 | $62.83 |
48 | $12.93 | $25.86 | $38.80 | $51.73 | $64.66 |
49 | $13.35 | $26.69 | $40.04 | $53.38 | $66.73 |
50 | $13.74 | $27.47 | $41.21 | $54.95 | $68.69 |
51 | $14.12 | $28.24 | $42.36 | $56.48 | $70.60 |
52 | $14.44 | $28.87 | $43.31 | $57.74 | $72.18 |
53 | $14.77 | $29.53 | $44.30 | $59.06 | $73.83 |
54 | $15.52 | $31.03 | $46.55 | $62.07 | $77.59 |
55 | $16.37 | $32.74 | $49.11 | $65.49 | $81.86 |
56 | $17.10 | $34.19 | $51.29 | $68.39 | $85.48 |
57 | $17.79 | $35.58 | $53.37 | $71.16 | $88.96 |
58 | $18.51 | $37.02 | $55.52 | $74.03 | $92.54 |
59 | $19.32 | $38.63 | $57.95 | $77.27 | $96.59 |
60 | $20.28 | $40.56 | $60.84 | $81.11 | $101.39 |
61 | $21.60 | $43.21 | $64.81 | $86.42 | $108.02 |
62 | $22.93 | $45.86 | $68.79 | $91.72 | $114.65 |
63 | $24.01 | $48.02 | $72.02 | $96.03 | $120.04 |
64 | $25.19 | $50.37 | $75.56 | $100.75 | $125.94 |
65 | $26.64 | $53.28 | $79.91 | $106.55 | $133.19 |
66 | $28.32 | $56.65 | $84.97 | $113.30 | $141.62 |
67 | $29.99 | $59.98 | $89.97 | $119.95 | $149.94 |
68 | $31.82 | $63.64 | $95.45 | $127.27 | $159.09 |
69 | $33.79 | $67.59 | $101.38 | $135.17 | $168.97 |
70 | $35.70 | $71.40 | $107.11 | $142.81 | $178.51 |
71 | $37.80 | $75.61 | $113.41 | $151.21 | $189.01 |
72 | $40.39 | $80.79 | $121.18 | $161.57 | $201.96 |
73 | $43.13 | $86.26 | $129.39 | $172.52 | $215.65 |
74 | $45.83 | $91.66 | $137.49 | $183.32 | $229.15 |
75 | $48.38 | $96.77 | $145.15 | $193.54 | $241.92 |
76 | $51.92 | $103.84 | $155.75 | $207.67 | $259.59 |
77 | $55.46 | $110.93 | $166.39 | $221.86 | $277.32 |
78 | $59.47 | $118.93 | $178.40 | $237.86 | $297.33 |
79 | $63.16 | $126.32 | $189.48 | $252.64 | $315.79 |
80 | $68.26 | $136.53 | $204.79 | $273.05 | $341.32 |
81 | $73.37 | $146.74 | $220.11 | $293.49 | $366.86 |
82 | $78.48 | $156.96 | $235.44 | $313.92 | $392.40 |
83 | $83.91 | $167.82 | $251.73 | $335.64 | $419.55 |
84 | $89.34 | $178.68 | $268.01 | $357.35 | $446.69 |
85 | $94.77 | $189.53 | $284.30 | $379.07 | $473.84 |
The second table shows the rates for women ages 45-85 for coverage amounts of $5,000, $10,000, $15,000, $20,000, and $25,000. Again, these rates are for individuals who are not tobacco users.
Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 |
---|---|---|---|---|---|
45 | $9.70 | $19.40 | $29.10 | $38.80 | $48.51 |
46 | $9.91 | $19.82 | $29.73 | $39.64 | $49.55 |
47 | $10.10 | $20.19 | $30.29 | $40.39 | $50.49 |
48 | $10.32 | $20.65 | $30.97 | $41.30 | $51.62 |
49 | $10.64 | $21.28 | $31.92 | $42.56 | $53.20 |
50 | $10.55 | $21.10 | $31.65 | $42.20 | $52.75 |
51 | $10.93 | $21.87 | $32.80 | $43.73 | $54.67 |
52 | $11.31 | $22.61 | $33.92 | $45.23 | $56.54 |
53 | $11.62 | $23.24 | $34.86 | $46.48 | $58.09 |
54 | $11.94 | $23.88 | $35.82 | $47.76 | $59.70 |
55 | $12.25 | $24.50 | $36.75 | $49.00 | $61.25 |
56 | $12.69 | $25.38 | $38.07 | $50.77 | $63.46 |
57 | $13.39 | $26.78 | $40.17 | $53.56 | $66.95 |
58 | $13.81 | $27.63 | $41.44 | $55.25 | $69.06 |
59 | $14.25 | $28.50 | $42.75 | $57.00 | $71.24 |
60 | $14.83 | $29.66 | $44.50 | $59.33 | $74.16 |
61 | $15.66 | $31.31 | $46.97 | $62.62 | $78.28 |
62 | $16.43 | $32.86 | $49.29 | $65.72 | $82.15 |
63 | $17.26 | $34.51 | $51.77 | $69.03 | $86.29 |
64 | $18.08 | $36.16 | $54.24 | $72.32 | $90.40 |
65 | $18.90 | $37.81 | $56.71 | $75.61 | $94.52 |
66 | $20.12 | $40.24 | $60.36 | $80.47 | $100.59 |
67 | $21.33 | $42.66 | $63.99 | $85.32 | $106.64 |
68 | $22.54 | $45.09 | $67.63 | $90.17 | $112.72 |
69 | $23.80 | $47.61 | $71.41 | $95.21 | $119.02 |
70 | $25.02 | $50.04 | $75.05 | $100.07 | $125.09 |
71 | $26.50 | $53.00 | $79.50 | $106.00 | $132.50 |
72 | $27.63 | $55.25 | $82.88 | $110.50 | $138.13 |
73 | $30.17 | $60.34 | $90.51 | $120.68 | $150.86 |
74 | $32.29 | $64.58 | $96.87 | $129.16 | $161.45 |
75 | $34.60 | $69.21 | $103.81 | $138.41 | $173.02 |
76 | $37.52 | $75.04 | $112.57 | $150.09 | $187.61 |
77 | $40.15 | $80.30 | $120.46 | $160.61 | $200.76 |
78 | $42.62 | $85.24 | $127.85 | $170.47 | $213.09 |
79 | $45.11 | $90.21 | $135.32 | $180.42 | $225.53 |
80 | $47.62 | $95.23 | $142.85 | $190.46 | $238.08 |
81 | $51.50 | $103.01 | $154.51 | $206.02 | $257.52 |
82 | $55.38 | $110.75 | $166.13 | $221.50 | $276.88 |
83 | $59.05 | $118.10 | $177.15 | $236.21 | $295.26 |
84 | $62.67 | $125.35 | $188.02 | $250.70 | $313.37 |
85 | $66.35 | $132.70 | $199.05 | $265.40 | $331.75 |
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?
$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 will cost you $11.95 per month, or $134.30 per year.
If you ARE a tobacco user, then your monthly rate will be $16.51 per month, or $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 $25,000 of whole life coverage from Mutual of Omaha will cost you $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?
$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 of whole life coverage from Mutual of Omaha 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
If you are a 60 year old male and NOT a tobacco user, then $5,000 of whole life coverage from Mutual of Omaha 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
If you are a 70 year old male and NOT a tobacco user, then $25,000 of whole life coverage from Mutual of Omaha will cost you $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 of whole life coverage from Mutual of Omaha will 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 a 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
If you are a 80 year old male and NOT a tobacco user, then $15,000 of whole life coverage from Mutual of Omaha will cost you $204.79 per month, or $2,301.00 per year.
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
If you are a 80 year old male and NOT a tobacco user, then $25,000 of whole life coverage from Mutual of Omaha 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 a 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
If you are a 85 year old male and NOT a tobacco user, then $15,000 of whole life coverage from Mutual of Omaha will cost you $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.