What to do when a Mutual of Omaha account holder dies
Report the death to Mutual of Omaha's Claims Customer Service at 1-888-493-6902
A death claim on a Mutual of Omaha policy is filed through the Claims Customer Service (1-888-493-6902). Because insurance proceeds pass directly to named beneficiaries, this process is separate from probate. The required documentation and timeline vary by policy type.
Death claim process
The death claim process at Mutual of Omaha works as follows:
Filing a claim
- Individual life: the Report a Passing form at mutualofomaha.com/support/claims or 888-493-6902
- Employer group life: 800-775-8805
- Annuity: call Customer Service at 800-646-7592 to begin the annuity death claim
- Individual accidental death insurance: call Claims Customer Service at 800-775-1000
- The policyholder's name, date of birth, date of death, and cause of death (Natural, Accident, Suicide or Unknown), with an optional Details of Death box
- Only one policy number per submission
- Optionally the funeral home name, an obituary web address, and an uploaded obituary or death certificate (PDF only, up to 10 MB)
- Whether you are the beneficiary (Yes, No or Not sure). The relationship list includes Attorney and Funeral Home / Funeral Funding Company
- Individual life insurance: Claims Customer Service, 888-493-6902
- Annuities: 800-646-7592
- Employer-sponsored group life: 800-775-8805. Group Claims for coverage through an employer is 800-877-5176
- Individual accidental death insurance: 800-775-1000
- Part I is completed by the employer or plan administrator and Part II by the beneficiary; if there is more than one beneficiary, each completes a separate form
- Send it with the documents listed for group life, including the beneficiary designation form and the enrollment form
- Return it to United of Omaha Life Insurance Company, Group Life Claims, Mutual of Omaha Plaza, Omaha, NE 68175-0001
- Or fax it to 402-997-1835, or email it to submitgrplife@mutualofomaha.com
Required Documents
- Copy of the death certificate, for every annuity death claim; for individual life, for a foreign death, contestable coverage or a face amount over $100,000For individual life, Mutual of Omaha says that in most situations it will not require a death certificate and will try to verify the passing by other means.
- Completed claim packet, for every annuity death claim; for individual life, for a foreign death, contestable coverage or a face amount over $100,000Customer Service provides the packet.
- Original certified death certificate, for employer group lifeIf the benefit amount is $200,000 or less, a copy is acceptable.
- Proof of Death claim form (LG2836), Parts I and II, for employer group lifePart I is completed by the employer or plan administrator and Part II by the beneficiary.
- Beneficiary designation form, including beneficiary changes, and the enrollment form, for employer group lifeThe enrollment form may be the original, a photocopy or a screen-print.
- Letters Testamentary or Letters of Administration, for employer group life, if the beneficiary is the estateAppointing the personal representative of the estate.
- Trust face page, trustee or successor trustee designation, and signature page, for employer group life, if the beneficiary is a trustA copy of these pages of the trust.
- UTMA payment election or formal guardianship papers, for employer group life, if the beneficiary is a minorGuardianship documents must be obtained before the benefit is released.
- Notarized Affidavit of Preferential Beneficiary Designation Form, for employer group life, if the beneficiary died before the insured with no contingent beneficiary named, or no beneficiary was namedCompleted by the surviving heir. The benefits are paid in the order specified in the policy provisions.
- Accident records, for group accidental death benefitsThe official investigative report (police, accident, fire, FAA, OSHA), proof of seatbelt or airbag use if applicable, and the coroner's or medical examiner's report findings or toxicology report.
- Authorization To Disclose Personal Information, in the group life claim formSigned by the claimant or the individual authorized to represent the deceased. It expires 24 months after the date signed.
- Written assignment with the beneficiary's signature, if all or part of the benefit is assigned to a funeral home and a claim packet is needed
Claims Contact
Website: Online portal →
Forms Mutual of Omaha issues2
- Proof of Death Claim Form (LG2836), for employer-sponsored group life
Completed by the employer or plan administrator (Part I) and each beneficiary on a separate form (Part II). Available to download.1
- Claim packet for individual life and annuity death claims
Sent by the institution on request.2
What happens to each kind of account2
- Life insurance policy
Any outstanding policy loan balance is deducted from the policy's benefit amount paid to the beneficiary.2
Where the policy backs a loan under a collateral assignment, the lender is paid first, before the beneficiary receives anything.3
If a policyowner has died, ownership may need to be transferred to a surviving family member or representative. What is needed varies by state, product type or owner relationship and may include a death certificate, a Release and Indemnity Agreement or a Small Estates Affidavit.2
- Annuity
Every annuity death claim requires a completed claim packet with a copy of the death certificate. Customer Service starts the claim and sends the packet.2
Accounts handled elsewhere1
- United of Omaha Life Insurance Company, Group Life Claims
Employer-sponsored group life claims1
Phone: 1-800-775-8805
Email: submitgrplife@mutualofomaha.com
Fax: 1-402-997-1835
Mailing address: Group Life Claims, Mutual of Omaha Plaza, Omaha, NE 68175-0001
What Mutual of Omaha's agreement and guidance say2
- How proceeds are paid
Claims are paid by check and mailed to the payee or beneficiary on file. Direct deposit is not currently available.2
A death claim can be paid to a funeral home or funding company on the beneficiary's verbal authorization, which Mutual of Omaha obtains on a conference call it sets up. It cannot process an assignment of benefits where the policy is paid to an estate or a minor.2
- Payment to a minor or incapacitated beneficiary
Group life benefits are not paid directly to a minor. UTMA payment may be used if the benefit including interest is under the amount allowed for the minor's state of residence; otherwise formal guardianship papers are obtained before the benefit is released.1
If an individual policy beneficiary is a minor when the benefit is paid, the money does not go to them directly. Depending on state laws, it may be paid to a legal guardian or custodian or held in a supplemental contract managed by Mutual of Omaha until the child reaches legal age.3
Sources3
Most life claims are paid the same day they are filed; allow up to 10 business days to receive the payment.
Mutual of Omaha's Claims Customer Service can be reached by phone at 1-888-493-6902, email at submitgrplife@mutualofomaha.com, and fax at 1-855-896-3584 for questions throughout the claims process.
Sources
Data sourced from Mutual of Omaha primary sources (13 pages reviewed). How we research.
Mutual of Omaha death claims support
Claims Customer Service
Phone
Annuity death claims
Employer-sponsored group life claims
Group Claims, coverage through an employer
Individual accidental death insurance claims
Fax
Mailing address
Website
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