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Mutual of Omaha
​Final Expense Insurance

Protect your family from the burden of an expensive funeral. Speak with our burial insurance specialists to learn more about your options today.
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Call us at 8886046620 

Living Promises

Protect your family from the burden of an expensive funeral. Speak with our burial insurance specialists to learn more about your options today.

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​Living Promises Policy Specs



Living Promise®
Whole Life Living Promise Whole Life Insurance offers simplified underwriting and level and graded benefit plans for seniors to help cover final and other expenses.
Graded Benefit Plan not available in AR, MT and NC.
Issue Ages(Age Last Birthday)
Level Benefit Plan:
45-85
Graded Benefit Plan:
45-80
Face AmountsLevel Benefit Plan:
$2,000 - $40,000
Graded Benefit Plan:
$2,000 - $20,000
$5,000 - $50,000
Underwriting ClassesLevel Benefit Plan:
Standard Tobacco/Nontobacco
Graded Benefit Plan:
Standard (no tobacco distinction)
Standard
Premium Modes(Modal Factors)
  • Annual (1.00)
  • Quarterly (.275)
  • Semiannual (.52)
  • Monthly BSP (.089)
  • Annual (1.00)
  • Quarterly (.25)
  • Semiannual (.50)
  • Monthly BSP (.08333)
Policy FeeLevel Benefit Plan:
  • $36 Annual Policy Fee (Commissionable)
Graded Benefit Plan:
  • $12 Annual Policy Fee (Commissionable)
$12 Annual Policy Fee (Commissionable)
RidersLevel Benefit Plan:
  • Accidental Death Benefit Rider
  • Accelerated Death Benefit Rider*
Graded Benefit Plan:
  • None
  • Guaranteed Insurability Rider*
  • Death of Policy Owner Waiver of Premium Rider*
Low-Cost LoansCharge 7.4% in advance
Death Benefit GuaranteesPolicy is guaranteed to age 100 as long as premium is paid
Policy is guaranteed to age 100 as long as premium is paid
Other Product Features
  • Simplified underwriting
  • Small face amounts
  • No death benefit reductions in early years (Level Benefit only)
  • iGo e-AppTM
​

More About Final Expense Coverage

Final Expense insurance is a basic issue life insurance policy that covers people until they reach 100 years old. It is quite similar to universal life insurance and is sometimes referred to as graded life or burial insurance with easy issue permanent coverage. 

As an inexpensive insurance choice, final expense coverage can be used to cover the funeral and burial costs of the policy holder. Most people who do not want to place a hardship or burden their families with these burial and funeral costs will take out burial insurance polices. 

Burial premiums can begin with higher costs at first than other forms of insurance since they include cash value features. An important advantage of burial premiums is that they are fixed, which means they remain the same even if your health deteriorates.

Final Expense coverage can pay for the casket, funeral service, visitation/viewing, hearse, digging and filling the grave, the actual cemetery plot, or burial vault or grave liner, minister, headstone, flowers, and other expenses related directly to named insured's funeral. 

Contact us to learn more about the right final expense coverage for you.
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  • Book a free consultation
  • Quotes
    • Life Insurance Quote >
      • Annuity Quote
    • Final Expense Insurance Quote
    • Medicare Supplement Coverage Quote
    • Critical Illness Insurance Quote >
      • Update Contact Info
    • Disability Insurance Quote
    • Service >
      • Policy Changes
      • Report a Claim
      • Contact My Carrier
    • Long Term Care Insurance Quote
    • Other Quotes
  • Home
  • Online Documents
  • About
    • Staff Directory
    • Client Testimonials >
      • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Blog
    • News
  • Contact
  • Agent Login
  • Insurance
    • John Hancock Simple Term
    • Final Expense Insurance
    • Medicare Supplement Coverage
    • Annuities
    • Disability Insurance
    • Financial Planning
    • Critical Illness Insurance
    • Accidental Disability Insurance
  • Annuities
    • Life Insurance Direct
  • Annuity Quote
  • Credentials
  • Nassau
  • Life Insurance Direct
  • Book a free consultation
  • What is a 403(b)
  • No Hassle Life Insurance
  • Parrott & Associates Life Insurance Direct
  • MZ Book a free consultation