What to do when a Mutual of Omaha account holder dies
Contact Mutual of Omaha's Claims Department — 6-step process, 6 required documents, and 14-60 days from filing to payout, depending on documentation completeness and claim complexity. united of omaha pays most straightforward claims within 24 hours of receiving complete documentation. most states allow up to 30 days for review of the claim.
Customer Service
Phone800-775-6000
Fax402-997-1984
Mailing Address
Mutual of Omaha, 3300 Mutual of Omaha Plaza, Omaha, NE 68175
Individual Policy Service & Beneficiary Changes
Employer-Sponsored Group Life Policies
Individual Annuities
Claims Department
Phone888-493-6902
Fax402-997-1984
Mailing Address
Mutual of Omaha, 3300 Mutual of Omaha Plaza, Omaha, NE 68175
Individual Policy Service & Beneficiary Changes
Employer-Sponsored Group Life Policies
WebsiteLearn more→
Claims Department
Phone888-493-6902
Fax402-997-1984
Mailing Address
Mutual of Omaha Insurance Company, Claims Department, 3300 Mutual of Omaha Plaza, Omaha, NE 68175
WebsiteNotify online→
Verified May 2026
A death claim on a Mutual of Omaha policy is filed through the Claims Department (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.
Mutual of Omaha provides an online portal for initiating death claims, which can simplify the initial notification and document submission process. Claims can also be started by phone or by mailing the required documents.
Death claim process
The death claim process at Mutual of Omaha works as follows:
Filing a claim
1
Gather required documentation:
- Locate the Mutual of Omaha or United of Omaha policy documents and note the policy number
- Obtain certified copies of the death certificate from the local vital records office
2
Report the passing through one of the following channels:
- Call 888-493-6902 for individual life insurance and annuity claims
- Call 800-775-8805 for employer-sponsored group life policies
- Report online at mutualofomaha.com/support/claims
3
A claims specialist will contact the person who filed the claim within one business day
4
Mutual of Omaha will send claim forms to the beneficiary after the claim is reported
5
Complete and submit claim documentation:
- Complete and return the claim forms with a certified death certificate
- If the policy is within the two-year contestability period, additional documentation may be required
6
Select payout and delivery options:
- Choose payout method: lump sum or structured settlement installments
- Set up direct deposit for faster payment
Required Documents
- Certified death certificate
- Completed claim form (provided by Mutual of Omaha after claim is reported)
- Government-issued ID for the beneficiary
- Policy number and deceased information
- Trust documents and trustee identification (if a trust is the beneficiary)
- Additional documentation if death occurs within the two-year contestability period
There is no time limit for filing a life insurance death claim. However, beneficiaries should file as soon as they have the death certificate to receive benefits promptly. For group life insurance claims through an employer, call 800-775-8805 and fax group life claims to 402-997-1835. Claims may be delayed if documentation is incomplete, the policy is within the two-year contestability period, or the circumstances of death require further investigation. Annuity death claims follow a similar process; contact 888-493-6902 to initiate. For annuity death benefits, the payout depends on the contract type and selected payout option.
Processing timelines at Mutual of Omaha: 14-60 days from filing to payout, depending on documentation completeness and claim complexity. United of Omaha pays most straightforward claims within 24 hours of receiving complete documentation. Most states allow up to 30 days for review of the claim. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Mutual of Omaha requires several documents to process a claim, including Certified death certificate, Completed claim form (provided by Mutual of Omaha after claim is reported), and Government-issued ID for the beneficiary, and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
For individual life insurance and annuity claims, call 888-493-6902 or report a passing online at mutualofomaha.com/support/claims. For employer-sponsored group life policies, call 800-775-8805. A claims specialist will contact the person who filed the claim within one business day. Mutual of Omaha will send claim forms to the beneficiary after the claim is reported. Complete and return the claim forms along with a certified death certificate. You can also submit documentation by fax to 402-997-1984 or by mail to Mutual of Omaha, Claims Department, 3300 Mutual of Omaha Plaza, Omaha, NE 68175. There is no time limit for filing a claim.
For deferred annuities (Ultra Premier, Ultra Advantage), the named beneficiary receives the contract value upon the owner's death. For the Ultra Income immediate annuity, the death benefit depends on the payout option selected at the time of purchase: life only provides no death benefit, life with period certain continues payments to the beneficiary for the remaining certain period, installment refund continues payments until the original premium is recovered, and joint and survivor life continues payments to the surviving annuitant. A trust can be named as beneficiary on all Mutual of Omaha annuity products.
Mutual of Omaha's Claims Department can be reached by phone at 888-493-6902, email at customercare@mutualofomaha.com, and fax at 402-997-1984 for questions throughout the claims process.
Multiple Mutual of Omaha policies may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Claims Department to confirm what applies.
Customer Service
Phone800-775-6000
Fax402-997-1984
Mailing Address
Mutual of Omaha, 3300 Mutual of Omaha Plaza, Omaha, NE 68175
Individual Policy Service & Beneficiary Changes
Employer-Sponsored Group Life Policies
Individual Annuities
Claims Department
Phone888-493-6902
Fax402-997-1984
Mailing Address
Mutual of Omaha, 3300 Mutual of Omaha Plaza, Omaha, NE 68175
Individual Policy Service & Beneficiary Changes
Employer-Sponsored Group Life Policies
WebsiteLearn more→
Claims Department
Phone888-493-6902
Fax402-997-1984
Mailing Address
Mutual of Omaha Insurance Company, Claims Department, 3300 Mutual of Omaha Plaza, Omaha, NE 68175
WebsiteNotify online→
Verified May 2026
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