With high scores for service, policy strength, and value, Mutual of Omaha stands out as a reliable and competitively priced choice for life insurance in 2026.
Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant.
Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.
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Mutual of Omaha is tied for the No. 4 spot in our 2026 life insurance rankings with a strong overall score of 4.56 out of 5, reflecting consistently high marks across customer satisfaction, service experience, and policy strength. It’s one of the few companies that performs well across nearly every category, especially policy offerings, billing, and rider flexibility.
Customers give the company high marks for service and excellent satisfaction, showing that policyholders feel supported throughout the life of their policy. Its reputation for dependable service, paired with an AM Best rating of A+, makes it a reassuring choice for families who want coverage that’s easy to manage over time.
Its pricing also works in its favor. With an average annual premium of $353, Mutual of Omaha is lower than the national average of $382, offering solid value for the features and service quality you get.
Mutual of Omaha performs extremely well across several key metrics. Its high customer satisfaction score (78%) and strong ease-of-service rating (80%) suggest a smooth and predictable experience when updating your policy or seeking assistance. It also holds one of the highest billing process scores (93%), making account management a positive experience.
Its standout policy offerings score (86%) reflects a well-rounded product lineup with flexible riders, making it appealing to buyers who want choice without confusion.
Here’s how Mutual of Omaha compares to its competitors:
Mutual of Omaha’s customers show strong long-term confidence in the company. High recommendation rates, excellent trust scores, and strong renewal intent all indicate a positive experience that extends well beyond the initial purchase.
With 97% planning to renew, Mutual of Omaha sits among the highest performers in the entire ranking — a sign that policyholders feel confident about staying with the company year after year.
Mutual of Omaha performs well across age groups, with particularly strong marks from middle-aged adults and seniors. These groups value stability, flexibility, and strong support — all areas where Mutual of Omaha stands out.
Younger adults also rate the company highly, but their scores are slightly lower compared to older age groups, suggesting that younger shoppers may find more digitally focused companies a better match.
Mutual of Omaha’s pricing is one of its strongest advantages. With an average annual premium of $353, it is more than 7% below the national average of $382. This makes it a good option for shoppers who want a strong mix of value, service quality, and comprehensive product features.
When comparing similarly performing competitors, Mutual of Omaha remains competitively priced while still offering standout service and strong policy design.
Mutual of Omaha offers a wide selection of life insurance products, giving buyers flexibility to choose coverage that fits their needs:
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Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through independent research firm Dynata. Customers named their life insurer and rated it on customer satisfaction, ease of service, policy offerings, billing, and their experience across different applicant types (seniors, middle-aged adults, young adults, people with pre-existing conditions, people who are overweight, and people who prefer no-exam coverage). We also asked whether they planned to keep their policy, would recommend their insurer, and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to determine each company’s final score:
Each insurer received a rating between 0.5 and 5 stars, with 5 stars representing the highest performance.