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Mutual of Omaha

Whole life insurance  

A type of permanent life insurance coverage designed to provide protection for your family by locking in benefits that can help pay for end-of-life expenses, as well as cash value that can be accessed in an emergency. Whole life is available for people aged 45-85 (in NY, ages 50-75) only.

  • Whole life coverage may be right if you:

  • Need coverage that doesn’t require a medical exam or health questions

  • Have a tight budget or fixed income and need a premium that won’t increase

  • Need coverage for burial, funeral, or other final expenses, or to pay off debts

  • Would like to supplement existing insurance coverage

  • Want to build cash value and have access to funds in an emergency

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Term Life Insurance

This affordable, simple coverage helps protect your family by replacing your lost income in the event of a death. Term life lasts for a specific amount of time and its payments will never increase.

Term life coverage may be right if you:

  • Require coverage for a certain period of time, such as until your children are grown

  • Want to help your family maintain their lifestyle or stay in their current home if you’re no longer around

  • Need to make sure debts, such as a car loan or credit card, are paid off

  • Are just entering your prime earning years and need an affordable premium

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Universal Life Insurance

Universal life is permanent, flexible insurance coverage. It includes the opportunity to adjust the premium and the death benefit, as well as accumulate cash value on a tax-deferred basis.

Universal life coverage may be right if you:

  • Need coverage to protect your loved ones from the financial consequences of your death

  • Value the opportunity to accumulate cash value that you can later access to pay for expenses such as college funding or emergencies

  • Want the flexibility to adjust your payments and death benefit amount*

  • Have maxed out your IRA or 401(k) and need additional options to save for retirement

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Accidental Death Insurance

Accidental death insurance provides financial support for your loved ones if you die in a covered accident. It’s available for anyone between the ages of 18-70; because this is guaranteed protection, you cannot be turned down if you qualify based on age.

Accidental Death coverage may be right if you:

  • Want to provide protection for your family in the event of an unexpected covered accident

  • Need to supplement existing life insurance coverage

  • Cannot qualify for other types of life insurance due to age, occupation or health conditions

  • Are on a tight budget or need coverage quickly

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https://www.mutualofomaha.com/life-insurance/term-life-insurance

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https://www.mutualofomaha.com/life-insurance/whole-life-insurance

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https://www.mutualofomaha.com/life-insurance/universal-life-insurance

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https://www.mutualofomaha.com/life-insurance/accidental-death-insurance

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