Guaranteed Life Insurance

What is guaranteed issue whole life insurance?

Provided by Mutual of Omaha: underwritten by United of Omaha Life insurance company, Companion life insurance company mutual of Omaha affiliates.

We're teaming up to provide you a guaranteed issue whole life insurance option to help pay for burial expenses, medical bills and debt. This coverage may be right for you if you've been previously denied coverage or you're looking for a smaller amount of coverage.

Guaranteed Coverage and Benefits

If you're 45 to 85 years old or 50 to 75 years old in New York, you won't be turned down for coverage, even if you've been turned down for other life insurance policies. Your payments will never increase and your coverage will never decrease.

Dependable Death Benefits

If you have an accidental death, full benefits will be paid. If you die by auto accident, your full benefit will be doubled. After two years, the full benefit is paid out for death due to all causes.^{See note1}

What makes guaranteed issue whole life insurance different?

The difference between guaranteed issue whole life insurance and other permanent life insurance options is in the details. Some of these include:

Guaranteed approval for people ages 45 to 85 years old or 50 to 75 in New York
$2,000 to $25,000 in fixed coverage
Payments that won't increase over your lifetime
No health questions or medical exam
Most claims paid within 24 hours^{See note2}

Fixed monthly premium rates

Select another benefit amount from the drop-down menu to view more monthly premiums.

Monthly premium rates for $2000
Age	Male	Female
45	$8.08	$6.38
50	$8.84	$6.88
55	$9.88	$8.30
60	$12.18	$9.34
65	$14.50	$10.80
70	$18.14	$13.58
75	$23.46	$18.50
80	$32.22	$26.18
85	$39.34	$32.34

Monthly premium rates for $5000
Age	Male	Female
45	$18.70	$14.45
50	$20.60	$15.70
55	$23.20	$19.25
60	$28.95	$21.85
65	$34.75	$25.50
70	$43.85	$32.45
75	$57.15	$44.75
80	$79.05	$63.95
85	$96.85	$79.35

Monthly premium rates for $10000
Age	Male	Female
45	$36.40	$27.90
50	$40.20	$30.40
55	$45.40	$37.50
60	$56.90	$42.70
65	$68.50	$50.00
70	$86.70	$63.90
75	$113.30	$88.50
80	$157.10	$126.90
85	$192.70	$157.70

Monthly premium rates for $15000
Age	Male	Female
45	$54.10	$41.35
50	$59.80	$45.10
55	$67.60	$55.75
60	$84.85	$63.55
65	$102.25	$74.50
70	$129.55	$95.35
75	$169.45	$132.25
80	$235.15	$189.85
85	$288.55	$236.05

Monthly premium rates for $20000
Age	Male	Female
45	$71.80	$54.80
50	$79.40	$59.80
55	$89.80	$74.00
60	$112.80	$84.40
65	$136.00	$99.00
70	$172.40	$126.80
75	$225.60	$176.00
80	$313.20	$252.80
85	$384.40	$314.40

Monthly premium rates for $25000
Age	Male	Female
45	$89.50	$68.25
50	$99.00	$74.50
55	$112.00	$92.25
60	$140.75	$105.25
65	$169.75	$123.50
70	$215.25	$158.25
75	$281.75	$219.75
80	$391.25	$315.75
85	$480.25	$392.75

Note: For New York, this benefit is only available for ages 50 to 75.

Rates effective May 1, 2023

Note 1 Death benefits for natural causes are reduced during the first two years of the policy contract to 110% of all premiums paid. Accidental death by automobile pays double the death benefit amount (not available in Georgia and New York) while all other accidental deaths pay the full benefit amount. All benefits paid will be reduced by any outstanding loans.

Note 2 Based on 2 months of rolling claims data for policies $2,000-$25,000 after all required documentation is received; excludes claims made within 24 hours from policy issuance date.

Guaranteed Issue Whole Life Insurance is not available in Montana. Benefits may vary by state. These policies contain benefits, reductions, limitations and exclusions.

Guaranteed Issue Whole Life Insurance is underwritten by United of Omaha Life Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175, which is licensed nationwide except for NY and does not solicit business in New York. In New York, Companion Life Insurance Company, Melville, NY 11747 underwrites life insurance and annuities. Each underwriting company is responsible for its own financial and contractual obligations along with any and all administrative and claims paying decisions.

Guaranteed Issue Whole Life Insurance includes a graded death benefit. 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%. The policy pays a specific death benefit amount to your beneficiary, the beneficiary may or may not use it to help pay final expenses.

Guaranteed Issue Whole Life Insurance policy Form ICC18L198P (D787LFL19P in FL;1002Y-0119 in NY) or state equivalent. Motor Vehicle Accidental Death Rider Form C783LNA09R (C787LFL09R in FL; C791LLA09R in LA; C794LNC09R in NC; C799LOK09R in OK; C800LOR09R in OR; C818LPA09R in PA; C801LTX09R in TX; C817LWA09R in WA) or state equivalent.

USAA Life General Agency, Inc. (LGA) (known in CA and NY as USAA Health and Life Insurance Agency) acts as an agent for select insurance companies to provide additional products to USAA members. LGA representatives are salaried and receive no commissions. However, LGA receives commissions from those companies which can include compensation based on the total quantity and quality of insurance coverage purchased through LGA. Plans not available in all states.

USAA Life Insurance Company and USAA Life Insurance Company of New York are not affiliated with United of Omaha Life Insurance Company or Companion Life Insurance Company, Mutual of Omaha Affiliates nor do we guarantee the quality of their products or services. Although we may promote and/or recommend the products offered by this company, consumers should review the product carefully prior to making a purchasing decision.

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Guaranteed Issue Whole Life Insurance

Coverage for your final expenses and more

Hours

What is guaranteed issue whole life insurance?

Guaranteed Coverage and Benefits

Dependable Death Benefits

What makes guaranteed issue whole life insurance different?

Fixed monthly premium rates

Take steps to help protect your loved ones after you're gone.