Mutual of Omaha Life Insurance Rate Chart 2026 (Whole Life & Burial) — Rates by Age

When you search for a Mutual of Omaha life insurance rate chart, you are usually asking one simple question: “What will this actually cost me every month?”

You do not want guesswork. You want clear numbers so you can decide if Mutual of Omaha fits your budget and whether it is better than plans you see on TV, in the mail, or from your bank.

The truth is, rate charts are helpful—but they can also be misleading if you do not understand what is behind the numbers. Sample prices online are based on specific ages, coverage amounts, and health assumptions. If your health history, tobacco use, or state is different, your real quote will look different too.

In this 2026 guide, we will walk through how Mutual of Omaha prices work, show you sample rate charts by age, explain the difference between their popular Living Promise burial insurance and guaranteed acceptance plans, and show you how to use a Mutual of Omaha life insurance rate chart correctly—without being tricked by “too good to be true” numbers.

What Does the Mutual of Omaha Life Insurance Rate Chart Actually Show?

When you look at a Mutual of Omaha life insurance rate chart, you are seeing sample monthly premiums for specific situations—not a one-size-fits-all price list. These charts usually show what a non-smoking male or female of a certain age would pay for a certain amount of coverage, like $10,000 or $20,000.

Behind each number are assumptions about age, gender, health, tobacco use, and the exact policy type. For final expense and burial insurance, the most common chart you will see is based on Mutual of Omaha’s Living Promise whole life plan, which is built to cover funeral and other end-of-life costs.

Mutual of Omaha also sells term life and other permanent policies. Those usually use calculators instead of static charts, because higher face amounts and full underwriting make the pricing more customized.

If you only remember one thing, remember this: a rate chart is a starting point. The real power is how you use it to compare options, especially when you look at Mutual of Omaha burial insurance next to other carriers.

Which Mutual of Omaha Life Insurance Plans Use Rate Charts in 2026?

To use a rate chart correctly, you need to know which Mutual of Omaha product the numbers belong to. Not all life insurance plans are priced the same way.

Mutual of Omaha commonly publishes or supports rate chart comparisons for three key categories:

1. Living Promise Final Expense Whole Life
   This is the popular burial insurance plan that offers permanent coverage, level premiums, and no medical exam for most applicants. It is built for smaller coverage amounts to handle funeral costs, medical bills, and final expenses.
2. Guaranteed Acceptance Whole Life
   This plan is for people with serious health issues who may not qualify for standard final expense coverage. There are no health questions, and approval is guaranteed, but there is usually a graded benefit period for natural causes and higher monthly premiums.
3. Term Life (via calculators, not static charts)
   Term rates are often shown using online calculators or quote tools, allowing you to enter your own age, coverage amount, and health profile. Mutual of Omaha’s site focuses more on those calculators than fixed charts for term life.

If you are mainly interested in planning a funeral and protecting your loved ones from final bills, your focus will often be on the final expense charts. That is where tools like final expense insurance quotes and guaranteed acceptance life insurance comparisons matter most.

Mutual of Omaha Life Insurance Rate Chart Overview by Age (2026)

Before we look at numbers: all rates shown here are sample estimates for non-tobacco applicants with average health. Your exact premium depends on state, build, medications, health history, and underwriting.

The goal of a Mutual of Omaha life insurance rate chart is not to give you a final quote, but to help you see patterns:

• How much do premiums change as you get older?
• How much extra does it cost to move from $10,000 to $50,000 in coverage?
• How different are male vs female rates?

These examples are consumer-education sample rates meant to show typical pricing patterns in 2025–2026 for non-tobacco applicants with average health. Your actual quote can be higher or lower based on state and underwriting.

Living Promise Burial Insurance Rates (No Waiting Period)

Living Promise is Mutual of Omaha’s main final expense plan with no waiting period for reasonably healthy seniors. Premiums never rise, and coverage does not expire as long as you pay on time.

Here is a sample rate snapshot for non-smoking applicants seeking $10,000, $25,000, and $50,000 of coverage.

*These are sample premium examples for consumer education (ballpark ranges). Exact rates vary by state, health, tobacco status, and underwriting:

Living Promise Whole Life — Sample Monthly Rates (Non-Tobacco)

Nationwide • Day-1 coverage options • Select gender + age to view sample premiums.

Female Male

Select Age 45 50 55 60 65 70 75 80 85

$10,000 Coverage Female

$22.61 per month

$25,000 Coverage Non-Tobacco

$51.71 per month

$50,000 Coverage Day-1 Options

$100.21 per month

Age	$10,000	$25,000	$50,000

Sample monthly premiums shown are for Non-Tobacco applicants and are provided for consumer education. Actual pricing varies by underwriting and eligibility.

These ranges line up with independent samples that show Mutual of Omaha typically pricing on the lower end of the market for seniors buying $10,000–$50,000 in final expense coverage.

Guaranteed Acceptance Whole Life Rates (2yr Waiting)

Guaranteed acceptance is built for people who have serious health conditions or who simply want a “no questions asked” policy. Because the company takes more risk and usually applies a graded benefit period for natural causes in the first two years, premiums are higher for the same coverage amount.

Here is a sample snapshot for non-smoking applicants seeking $5,000, $10,000 and $25,000 in guaranteed acceptance coverage:

Guaranteed Whole Life — Sample Monthly Rates (Non-Tobacco)

Select gender and age to view sample premiums for $5,000, $10,000, and $25,000.

Female Male

Select Age 45 50 55 60 65 70 75 80 85

$5,000 Coverage Female

$14.45 per month

$10,000 Coverage Non-Tobacco

$27.90 per month

$25,000 Coverage Guaranteed Issue

$68.25 per month

Coverage and Ages

It provides coverage between $2,000 and $25,000 (in WA, $5,000 - $25,000) for ages 45-85 (in NY, 50 - 75).

Exclusions and Limitations (2-Year Graded Period)

During the first two years, if you die from natural causes (any cause other than accidental), your beneficiaries will receive all premiums paid, plus 10%. After two years, the full benefit is paid for death due to all causes. For accidental death - independent of sickness and all other causes – full benefits are paid from the first day our policy is issued. (All benefits will be paid less any outstanding policy loan.)

Age	$5,000	$10,000	$25,000

Sample monthly premiums shown are for Non-Tobacco applicants and are provided for consumer education. Actual pricing varies by state, eligibility, and underwriting rules.

You can see that guaranteed acceptance is consistently more expensive than standard final expense coverage for the same age and amount—this is true not just at Mutual of Omaha, but across the entire market and the best final expense companies.

If your main concern is price and you can answer health questions, Mutual of Omaha burial insurance (Living Promise) is usually the better starting point than a guaranteed acceptance plan.

Comparing Living Promise to Guaranteed Acceptance

Below is a side-by-side comparison between Mutual of Omaha's Living Promise (Immediate coverage) and Mutual of Omaha's Guaranteed Acceptance (2-year waiting period).

This will show you the savings you can have, which is substantial when on a fixed income. In addition, the policy details of both so you can make the best decision for you and your family.

2026 Comparison: Living Promise (LP) vs Guaranteed (G)

Annual “Savings” shows the annual difference (negative means LP costs more).

Female Male

Select Age 455055 606570 758085

Living Promise (LP)

Day-1 coverage options • Non-Tobacco samples.

$10,000 (Monthly)

$22.61

$25,000 (Monthly)

$51.71

Guaranteed (G)

Guaranteed issue • 2-year waiting period

$10,000 (Monthly)

$27.90

$25,000 (Monthly)

$68.25

Annual Savings (LP vs G) — $10,000

$0.00

Annual Savings (LP vs G) — $25,000

$0.00

Policy Info (Guaranteed / 2-Year Graded Period)

First 2 years: natural-cause death typically returns premiums paid + 10%. After 2 years: full benefit for all causes. Accidental death: full benefit from day 1. (Benefits paid less any outstanding policy loan.)

Age	LP $10,000	G $10,000	Annual Savings	LP $25,000	G $25,000	Annual Savings

Samples provided for consumer education. Negative values mean LP costs more for that age/amount.

How to Read the Mutual of Omaha Rate Chart Without Being Misled

It is easy to see a Mutual of Omaha life insurance rate chart and think, “That’s my price.” In reality, the chart is a baseline, and several factors can push your true rate a bit higher or lower.

Before you rely on any rate chart, make sure you understand three key issues: health questions, build and medications, and state or policy variations. These are the main reasons your personal quote might not match what you see in a simple online table.

First, health questions and underwriting: Living Promise and other simplified issue plans still ask about major conditions such as cancer, heart disease, COPD, insulin-dependent diabetes with complications, and more. Certain answers can move you from “level benefit” to “graded benefit,” or even result in a decline, which changes your options and pricing.

Second, build and medications: Height/weight and certain prescriptions can trigger different underwriting decisions. Mutual of Omaha uses build charts and medication guidelines that may assign a higher risk category even when you feel “healthy enough.

Third, state and product variations: Some states have slightly different availability, issue ages, or maximum coverage amounts. That means the charts you see online may not perfectly match what you can buy in your specific state.

This is why articles that combine charts with a deeper life insurance underwriting guide and real-world examples tend to give you a clearer picture than a simple list of numbers pulled from a calculator.

Are Mutual of Omaha Life Insurance Rates Competitive in 2026?

When you search for a Mutual of Omaha life insurance rate chart, you are not just curious about the numbers themselves. You are really asking: “Are these prices good compared to everyone else?”

Independent analyses show that Mutual of Omaha’s final expense rates for healthy seniors tend to be on the lower side compared to many big-name rivals, especially those that advertise heavily on TV or through mailers.

For example, Mutual of Omaha’s Living Promise plan often beats or closely matches other top burial insurance carriers, while still offering strong features like level premiums, lifetime coverage, and available riders. By contrast, some highly marketed plans—such as “pay one flat price per unit” products—can look simple on TV but deliver much less coverage for the same dollar.

This is where comparing Colonial Penn 9.95 plan review, AARP burial insurance review, and mutual of omaha burial insurance side by side becomes powerful. When you match the coverage amounts and look at real monthly premiums, it becomes easier to see which plans offer real value and which ones are mostly marketing.

People Also Ask: Mutual of Omaha Life Insurance Rate Questions (2026)

Consumers searching in 2026 are asking many of the same questions you are. Here are concise answers that align with the Mutual of Omaha life insurance rate chart data.

Related Articles

• Mutual of Omaha Burial Insurance Review 2026 | Final Expense Options for Seniors
• Home
• Is Buy Sell Agreement Life Insurance the Safest Way to Protect Your Business in 2026?
• Simple Guide To Physicians Mutual Final Expense Review 2025
• What Does the Colonial Penn Life Insurance Rate Chart Really Show in 2026?

How to Get an Exact Mutual of Omaha Quote (Not Just a Rate Chart)

Rate charts are useful, but they cannot ask you about your heart history, prescriptions, or tobacco use. To get a truly accurate price, you need to go one step further and complete a brief health profile with an independent broker who works with Mutual of Omaha and other carriers.

The process usually looks like this:

1. Share your age, state, and coverage goal
   You decide whether you want a simple burial policy or broader protection.
2. Answer basic health and medication questions
   Your answers help determine if you qualify for level benefit, graded benefit, or guaranteed acceptance.
3. Compare Mutual of Omaha with other top carriers
   An independent agency can show you where Mutual of Omaha sits vs competitors on price, underwriting, and features, instead of steering you to just one company.
4. Choose the plan that balances price, benefits, and underwriting
   Sometimes Mutual of Omaha is best. Other times, another carrier may be slightly cheaper for your specific health profile.

For many consumers, the smartest move is to use the mutual of omaha life insurance rate chart as a benchmark, then let a comparison tool or independent broker fill in the real numbers from multiple companies—so you see the whole field, not just one jersey.

Interactive Quote Tool: Compare 2026 Sample Rates

Enter your age and gender to compare sample monthly premiums. Then request a call or complete the compare-burial-insurance-quotes form.

Sample Rates • Non-Tobacco • Nationwide

Age

Gender Female Male

Coverage Amount $10,000 $25,000

Mutual of Omaha

Burial / Final Expense

Sample Monthly Premium

$—

Level-benefit style sample pricing for comparison.

Aetna

Protection Series

Sample Monthly Premium

$—

Rates shown where age is available in the table provided.

Aflac

Burial Insurance

Sample Monthly Premium

$—

Limited age range shown based on the table provided.

Want the best available option for your health and budget? Complete the quote form so we can compare carriers and call you with your best matches.

Compare Burial Insurance Quotes →

Important: These are sample premiums for education only. Exact pricing depends on state, health, tobacco status, and underwriting.

Final Thoughts: Is the Mutual of Omaha Life Insurance Rate Chart Enough to Decide in 2026?

Looking at a Mutual of Omaha life insurance rate chart is a smart first step. It helps you see how age, gender, and coverage amount affect price. It also shows why many seniors choose Mutual of Omaha for final expense coverage instead of more expensive TV or mail-order plans.

But a chart alone cannot tell you whether you qualify for no-waiting-period coverage, whether another carrier beats Mutual of Omaha for your exact health profile, or how to balance price with underwriting and long-term guarantees. That decision needs a conversation.

So ask yourself:

• “If I die sooner than I expect, will this policy actually pay my family what I think it will?”
• “If I qualify for healthier pricing, am I seeing all my options—or just the one company I clicked first?”
• “Do I feel confident that my plan has been properly shopped, not just sold?”

If you cannot honestly answer “yes” to those questions, then the Mutual of Omaha life insurance rate chart is only the beginning of your decision—not the end.

More Life Insurance Resources

• Annuities & Retirement Income
• Business & Key Person Life Insurance
• Final Expense & Burial Insurance
• High-Risk & Medical Conditions
• Life Insurance
• Life Insurance Companies & Reviews
• Life Insurance Guides & FAQs
• Senior Life Insurance
• Term Life Insurance