Mutual of Omaha

Complaints & Reviews on USAComplaints

USAComplaints currently maintains 25 historical complaints about Mutual of Omaha, published between 2008 and 2013. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.

• Consumer ReportPublished Jun 2, 2013 · Historical consumer allegation
• Consumer ReportPublished May 15, 2013 · Historical consumer allegation
• Mut of Omaha decided the Plan N was not profitable, raised the rates to force plan holders t change plans and then denies coverage!Published Jan 14, 2013 · Historical consumer allegation
• Consumer ReportPublished Sep 4, 2012 · Historical consumer allegation
• Refuse to refund money for a life insurance policy I did not ordePublished Aug 22, 2012 · Historical consumer allegation
• Consumer ReportPublished Jun 11, 2012 · Historical consumer allegation
• United They kick you when you're down! InternetPublished Apr 24, 2012 · Historical consumer allegation
• Scam ArtistsPublished Mar 27, 2012 · Historical consumer allegation
• Ripped me off do not deal with them. I wish i had looked this company up first before trusting my moneyPublished Feb 23, 2012 · Historical consumer allegation
• Cancellation for being 2 months late internetPublished Jan 5, 2012 · Historical consumer allegation
• Mutual of Omaha denying claims, Mutual of Omaha poor customer servicePublished Dec 2, 2011 · Historical consumer allegation
• Non-Payment of PolicyPublished Sep 6, 2011 · Historical consumer allegation
• Mutual of Omaha seems to act as though I've got money growing on trees here. They were authorized to initially withdraw $11.90 and took twice that. I cancelled within permitted 30 days with conf. # & Promise You One Thing and Fugget About It InternetPublished Aug 15, 2011 · Historical consumer allegation
• We cancelled our policy and they said we would get our premiums back we are still waiting to get them back it has been 2 months and our agent seems to not be able to get the money in a timely manner wPublished May 21, 2011 · Historical consumer allegation
• Monthly Premium IncreasePublished May 16, 2011 · Historical consumer allegation
• Ripoff, fleezing Medicare PatientsPublished Dec 17, 2010 · Historical consumer allegation
• Parsippany, NJ and Monroe Twp, NJ Insurance General Agent Ripoff at Mutual of OmahaPublished Nov 18, 2010 · Historical consumer allegation
• Lies, clever, deceptive, greedy, less than honorable and nastyPublished Jun 7, 2010 · Historical consumer allegation
• Misleading New AgentsPublished Apr 7, 2010 · Historical consumer allegation
• Long term disability policy ripped my off when I needed them the most!Published Mar 18, 2010 · Historical consumer allegation

Complaint Themes

Each tag reflects a complaint's single primary theme (not every angle it raised), and complaints outside any problem theme — a positive report, or one later retracted by its author — aren't tagged. Counts may total less than the full complaint count above.

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts

• Official website: https://www.mutualofomaha.com/
• Customer Service: individual policy owners: 800-775-6000 4 complaints mention this number
• Contact Us page (customer service numbers and mailing address): https://www.mutualofomaha.com/support/contact-us
• Customer Service: coverage through an employer: 800-655-5142
• Life insurance claims: individual coverage only: 888-493-6902
• Life insurance claims: policy through an employer: 1-800-775-8805 1 complaint mentions this number
• File a life insurance claim online (report a passing): https://www.mutualofomaha.com/support/claims
• Forms, including claim and other policyholder forms: https://www.mutualofomaha.com/support/forms
• BBB-listed main number (not a cancellation or claims line): (402) 342-7600 33 complaints mention this number

Locations

Mutual of Omaha cancellation, free look, claims and where to complain: what the company's own pages say (checked October 6, 2026)

This section sets out what Mutual of Omaha's own pages and the regulators' pages said when opened on October 6, 2026. The 25 posts about Mutual of Omaha on this site are dated 2008 to 2013, so today's products, phone lines and procedures may differ from those years.

Which company stands behind the policy. The Medicare supplement page says its policy forms are “underwritten by Omaha Supplemental Insurance Company, a Mutual of Omaha company.” Its life insurance pages say life policies “are underwritten by United of Omaha Life Insurance Company” (Companion Life Insurance Company in New York). The policy documents name the issuer, so check them before writing to or complaining about a particular company.

Phone and mail. The Contact Us page lists “Individual Policy Owner – Customer Service: 800-775-6000” and “Covered by Employer – Customer Service: 800-655-5142,” with the mailing address 3300 Mutual of Omaha Plaza, Omaha, Nebraska 68175. For a life insurance claim, the File a Claim page offers an online form and says “Call us for help at: 888-493-6902” (“Individual coverage only”) or, “If your policy is through your employer, call 1-800-775-8805.”

Cancelling or returning a Medicare supplement policy. The disclosure text on the Medicare supplement page says: “You may cancel your policy at any time by giving us written notice,” and “In the event of cancellation or death, we will promptly return the unearned portion of any premium paid.” It also says: “If, for any reason, you are not satisfied with your policy, you may return it to us or to your agent within 30 days of its delivery. We will then promptly refund all premiums paid, minus any claims paid.” The same text says a policy is renewed “by paying the premium within the 31-day grace period.” Coverage can vary by state, so the policy and outline of coverage you received control. The same page also says coverage cannot be cancelled by the company as long as premiums are paid on time and there has been no material misrepresentation.

Medicare's own guidance on cancelling and switching. Medicare.gov, opened on October 6, 2026, says: “If you want to cancel your Medigap policy, contact your insurance company.” Its page on switching policies describes a separate 30-day free look: when you get a new Medigap policy you have 30 days to decide whether to keep it, you should not cancel the first policy until you have decided, and you pay both premiums for the month you have both. Whether a newly issued policy can be returned within 30 days is stated in the company's disclosure text quoted above and in the policy itself. Medicare also says that if you drop a Medigap policy to join a Medicare Advantage Plan and later return to Original Medicare, you may not be able to get the same policy back.

Life insurance terms to read before relying on a payout. The whole life and final expense pages list policy forms that include a “Graded Benefit Policy,” and the page's exclusions text says the death benefit will not be paid for suicide “within two years from the date of issue (one year in ND and MN),” in which case the premiums paid are returned. This page did not open the policy form for the graded benefit, so what applies to a particular policy is in that policy.

If the company does not resolve it. Complaints about an insurance company or agent go to the state insurance department of the state where the policy was bought. The Nebraska Department of Insurance page says: “If you did not live in Nebraska when you purchased the policy, please contact the state in which you lived at the time of purchase,” and lists what it cannot do, including “Order the company to pay your claim or refund premium.” The same page lists the Nebraska Insurance Complaint Division at 877-564-7323 (toll-free in Nebraska) or 402-471-0888, email [email protected]. The NAIC publishes a directory of state insurance departments. For Medicare questions, Medicare.gov lists 1-800-MEDICARE and State Health Insurance Assistance Programs (SHIPs), which help people “File a complaint or an appeal.”

Regulator actions involving Mutual of Omaha companies (primary documents)

Each item below is taken from the regulator's own page or the order itself. Admission language differs by order and is quoted for each.

U.S. Department of Labor, September 29, 2023 (group life insurance, evidence of insurability). The Department announced a settlement agreement with United of Omaha Life Insurance Company. Its news release says an investigation by the Employee Benefits Security Administration “found United often accepted premiums for years without determining if insurability requirements were satisfied,” and that United then “would often deny claims for benefits on the grounds the company never received the participant's evidence of insurability.” Under the agreement, whose parties are Mutual of Omaha Insurance Company, United of Omaha Life Insurance Company and Companion Life Insurance Company, the companies have 90 days from first receiving a participant's premium to decide eligibility, and after that cannot deny a claim solely for reasons relating to evidence of insurability. The release says United told the Department it “has voluntarily reprocessed claims dating back to February 2018.” The agreement's No Admissions clause says the agreement is not to be “deemed to be, or offered or received as evidence of an admission by or on the part of the Companies of any wrongdoing, fault, or liability.” The Department's claims are described in the agreement as allegations. The agreement covers employer-sponsored plans under ERISA, not individually bought policies.

Connecticut Insurance Department, Mutual of Omaha Insurance Company (Docket MC 24-55, listed July 2, 2024). A market conduct examination of Connecticut life and health business for 2022 found “one (1) producer acting as agent of Respondent without required appointment.” In the Stipulation and Consent Order the company agreed to pay a fine of $1,500, and the order states that “Respondent admits to the allegations contained in paragraphs three and four of Article I.”

Connecticut Insurance Department, United of Omaha Life Insurance Company (Docket MC 25-75, listed January 5, 2026). An examination covering 2023 found “Fifteen (15) producers acting as agent of Respondent without required appointment.” The consent order imposes a fine of $22,500 and uses the same admission wording as the 2024 order.

Massachusetts Division of Banks, Mutual of Omaha Mortgage, Inc. (consent order dated April 14, 2025). This is a licensed mortgage lender and broker with a San Diego main office, named in the order as “Mutual of Omaha Mortgage, Inc.” The order says the Division alleges that a website the company operates through a wholly-owned subsidiary failed to make advertisements or paid content sufficiently visually separate from recommendations or educational content, that it supersedes a February 7, 2022 consent order, and that the company entered the agreement “solely for the purpose of settling this matter, and without admitting” (the displayed text continues beyond what this page reproduces). It is a mortgage matter, separate from the insurance companies above.

This list covers only the pages opened on October 6, 2026: the Connecticut Insurance Department market conduct list, the Department of Labor release, the Massachusetts order and the company's newsroom. It is not a search of every state or federal regulator, and other state insurance departments may hold matters that are not listed here.

Mutual of Omaha: who the companies are

Mutual of Omaha Insurance Company is a Nebraska-domiciled insurer; the Connecticut Insurance Department's order gives its NAIC company code as 71412. Its website's Company Profile says that in 1909 the company, “then known as Mutual Benefit Health & Accident Association,” filed articles of incorporation with the Nebraska Insurance Department (a company statement), and that its 1939 headquarters at 33rd and Farnam streets in Omaha remains part of the home office complex. The Contact Us page gives the mailing address 3300 Mutual of Omaha Plaza, Omaha, Nebraska 68175.

The Financial Strength page says Mutual of Omaha Holding Company “has two primary insurance companies”: Mutual of Omaha Insurance Company (health products) and United of Omaha Life Insurance Company (health, life, annuities and retirement products). The Department of Labor release calls Mutual of Omaha Insurance Company United's parent and Companion Life Insurance Company United's subsidiary. The same page lists A+ ratings from S&P Global and A.M. Best and A1 from Moody's for Mutual of Omaha Insurance Company; these are the company's own presentation of third-party financial-strength ratings and say nothing about claim handling or customer service.

The company's newsroom, opened on October 6, 2026, listed news releases from September and October 2026 about executive appointments and a rating announcement; no acquisition, regulator order or product shutdown appeared there.

Complaint record: review sites as displayed on October 6, 2026, and this site's archive

Review sites, as displayed on October 6, 2026. The figures come from two different sites and are not added together.

• BBB profile for Mutual of Omaha, Omaha, NE (headquarters listing): rating A+; the page says Mutual of Omaha is BBB Accredited; “224 total complaints in the last 3 years” and “76 complaints closed in the last 12 months”; 1.22 out of 5 from “an average of 125 Customer Reviews.” BBB says the complaint text displayed might not represent all complaints filed and that the nature of complaints and a company's responses are often more important than the number, and that the size and volume of transactions should be considered.
• Trustpilot (claimed profile since March 2019): 1.3 out of 5 from 168 reviews. Trustpilot says it does not fact-check reviews and shows “No recent history of asking for reviews” (the company has not invited customers recently, so reviews may not be representative). Trustpilot's AI-generated summary of recent reviews describes most reviewers as let down.

This site's own archive. The archive holds 25 approved posts that complain about Mutual of Omaha or United of Omaha itself: 2 from 2008, 3 from 2009, 5 from 2010, 5 from 2011, 7 from 2012, 3 from 2013. They are old, user-submitted allegations that this site has not verified, and they say nothing about how the company handles claims today. Counting posts by keyword (a post can fall in more than one group): 10 concern cancellation, refunds or reinstatement; 6 concern premium increases, billing or duplicate or unexpected payments; 5 concern a denied or reduced claim (disability or cancer policies among them); 5 are from insurance agents about commissions, purchased leads or charge-backs; and 2 concern life or funeral policy payouts and early-policy limits.

Some 2012–2013 posts describe bank debits labelled “UNITED/DRS INS PREM” or similar. Some authors say they found a connection to Mutual of Omaha and others say they could not identify the company. They are not linked to this page, because the debit label is not established here to be a Mutual of Omaha charge.

Court and settlement record

Jones v. Mutual of Omaha Insurance Company (D. Md., No. 1:22-cv-00905), putative TCPA class action. The plaintiff alleged that Mutual of Omaha “hired a third party to send pre-recorded telemarketing calls” to her cell phone and those of other class members. On November 7, 2022 the court's memorandum opinion denied Mutual of Omaha's motion to dismiss for lack of personal jurisdiction and for failure to state a claim, finding the plaintiff had stated a prima facie claim that the third party acted as Mutual of Omaha's agent under an actual-authority theory. That was a ruling on whether the case could proceed, not a finding that any call was unlawful. The CourtListener docket shows the case terminated on June 12, 2023; the copy of the docket reviewed does not show the closing entry, so how it ended is not stated here.

Skinner v. United of Omaha Life Insurance Co. (District Court of Douglas County, Nebraska, Case No. D01CI2400006396), data incident class settlement. The official settlement FAQ says the plaintiffs claim a targeted cyber-attack gave access to the defendant's systems and compromised personal information, defines the class as people whose information “may have been compromised” in an incident between April 21 and April 23, 2024, and says that the defendant “denies it is or can be held liable,” and that class members could claim up to $1,500 per person for documented losses and lost time or an alternative cash payment. The deadlines were May 29, 2025 (claims) and April 29, 2025 (exclusion and objection); the final approval hearing was set for June 25, 2025, and a case update dated October 29, 2025 says settlement payments and credit-monitoring codes began going out that day. The claim and exclusion deadlines have passed.

A CourtListener search for case names containing “Mutual of Omaha” returned 970 dockets on October 6, 2026, including cases involving the mortgage affiliate and cases the company itself filed; this page lists only the two matters above.

Is Mutual of Omaha Legitimate?

Mutual of Omaha Insurance Company is a Nebraska-domiciled insurer that the Connecticut Insurance Department's orders describe as licensed to transact life and health insurance in Connecticut. BBB lists the Omaha headquarters as BBB Accredited with an A+ rating and also displays 224 complaints in the last three years and a 1.22 out of 5 average from customer reviews; Trustpilot displays 1.3 out of 5 from 168 reviews. The documented regulator record on this page consists of a 2023 Department of Labor settlement about group life insurance (with a no-admission clause), two Connecticut consent orders over unappointed producers (with admissions of the allegations) and a Massachusetts mortgage-affiliate order. Court matters include a TCPA class action that survived a motion to dismiss in 2022 and a data incident class settlement. The 25 old archive posts are unverified user allegations. To check a specific agent, policy or claim, use the state insurance department where the policy was bought.

Court & Public Records

Company Relationships

• Affiliated with: United of Omaha Life Insurance Company
• Affiliated with: Companion Life Insurance Company
• Affiliated with: Omaha Supplemental Insurance Company

Frequently Asked Questions