Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: May 19, 2021

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The Facts of Life

  • Both United Home Life and Mutual of Omaha offer final expense insurance
  • Mutual of Omaha has more expensive burial insurance rates but a greater number of insurance products
  • Despite its cheap burial insurance rates, United Home Life has a weaker A.M. Best rating than Mutual of Omaha

Mutual of Omaha and United Home Life are two of the best life insurance companies, and each offers several life insurance options for potential customers. Comparing Mutual of Omaha vs. United Home Life insurance rates is just one of the important factors to consider.

Our Mutual of Omaha vs. United Home Life insurance guide explains everything you need to know about Mutual of Omaha and United Home Life insurance quotes, products, and third-party ratings.

Read on to learn more about affordable Mutual of Omaha and United Home Life insurance. Enter your ZIP code in the free comparison tool above to compare the best companies near you.

Mutual of Omaha vs. United Home Life Insurance: Which company has more life insurance products?

Although United Home Life (affiliated with United Farm Family Life Insurance Company) is a good company for burial life insurance, it struggles to compete with Mutual of Omaha.

Both companies have term life insurance, whole life insurance, and accidental death insurance. However, Mutual of Omaha Medicare supplement insurance is also available, as is universal life insurance.

Mutual of Omaha life insurance doesn’t list life insurance for diabetics, but United Home Life does have this policy. When you stack up all the available insurance options, Mutual of Omaha has more than United Home Life.

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Mutual of Omaha vs. United Home Life: How much are their life insurance rates?

Mutual of Omaha offers multiple kinds of insurance policies, but we could only find a few sample rates. And while United Home Life customers can access monthly premium information using their United Home Life login, potential customers can only get quotes through an agent.

However, we managed to grab some final expense burial insurance quotes from Mutual of Omaha and United Home Life insurance. Let’s compare.

Average Monthly Mutual of Omaha vs. United Home Life Burial Insurance Rates
Policyholder AgesUnited Home Life Non-Smokers Monthly Rates w/ $5,000 LimitUnited Home Life Smokers Monthly Rates w/ $5,000 LimitMutual of Omaha Non-Smokers Monthly Rates w/ $5,000 LimitMutual of Omaha Smokers Monthly Rates w/ $5,000 Limit
40$13$16N/AN/A
45$15$20$14$16
50$16$21$15$19
55$19$25$17$23
60$22$30$21$28
65$27$37$26$35
70$34$50$33$47
75$46$70$45$62
80$63$99$59$84
85N/AN/A$81$119
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On average, Mutual of Omaha is more expensive than United Home Life. Also, United Home Life sells burial life insurance to individuals at 40 years old, but you must be 45 to get a burial policy with Mutual of Omaha.

The older you get, the more you’ll pay for final expense insurance. Ask either company if bundling life insurance with another policy can save you money.

Mutual of Omaha vs. United Home Life: Which company has better ratings?

Before you buy Mutual of Omaha or United Home Life insurance, take a few minutes to go over each company’s financial strength and customer ratings.

Two of the best insurance rating agencies are A.M. Best and J.D. Power. A.M. Best measures the financial strength and credit ratings of insurance companies around the world.

Mutual of Omaha has an “A+,” which is the second-highest rating at A.M. Best. Meanwhile, United Home Life carries an “A-” rating, which is the fourth-highest.

Both companies have an “A+” rating at the Better Business Bureau, but Mutual of Omaha is ranked fifth on J.D. Power’s Life Insurance Study, which measured customer satisfaction.

Mutual of Omaha reviews put it out ahead, but United Home Life has solid customer and financial ratings as well.

Mutual of Omaha vs. United Home Life Insurance: What’s the bottom line?

Mutual of Omaha and United Home Life both have a variety of life insurance policies, but United Home Life doesn’t have insurance policies like long-term care and disability income insurance.

However, United Home Life carries a specialty life insurance policy for diabetics, making it a strong contender among the top life insurance companies that sell final expense burial insurance.

We hope this comparison of Mutual of Omaha vs. United Home Life insurance has been helpful. Use our free online quote tool to compare multiple companies in your area.