What to do when a United of Omaha account holder dies
Contact United of Omaha — 5-step process, 5 required documents, and mutual of omaha states that most life insurance claims are paid within 24 hours of receipt of complete documentation. delays may occur if documentation is incomplete or if the death occurs within the contestability period (first two years of the policy).
Customer Service
Mutual of Omaha Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175
Customer Service
Mutual of Omaha Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175
Individual Life Insurance Claims
Mutual of Omaha Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175
A death claim on a United of Omaha policy is filed through the Individual Life Insurance Claims (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.
United 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
Here is the step-by-step death claim process at United of Omaha:
Filing a claim
- Individual life (Term Life Express, Living Promise whole life, Income Advantage IUL, Life Protection Advantage IUL, IUL Express): call 1-888-493-6902
- Employer-sponsored group life or group voluntary life: call 1-800-775-8805, and notify the employer HR or benefits department, which reports the death and certifies the coverage amount
- Group life beneficiaries file the United of Omaha Group Life Proof of Death Claim form (LG2836) at https://content.mutualofomaha.com/contactforms/sites/content.mutualofomaha.com.contactforms/files/_forms/LG2836_0117_wf.pdf
- In New York the policy is issued by Companion Life Insurance Company of New York rather than United of Omaha; the claim is filed against Companion Life
- Call the claims line for the policy type (individual 1-888-493-6902, group 1-800-775-8805)
- Or file a claim notification online at https://www.mutualofomaha.com/support/claims
- Have the policy number, insured name, date of birth, and date of death available
- Mutual of Omaha states a claims specialist contacts the claimant within one business day
- Mutual of Omaha will send the Claimant Statement form to the beneficiary
- Complete the form with beneficiary information, payment preference, and tax withholding elections
- Include a certified copy of the death certificate
- Include government-issued ID for the claimant
- If a trust is the beneficiary: include trust documentation and trustee identification
- Mail the completed package to the address provided on the claim form
- Mutual of Omaha reviews the claim and supporting documentation
- Payment is issued to the designated beneficiary upon approval
- Lump-sum or installment payment options may be available depending on the claim amount
Required Documents
- Completed Claimant Statement form
- Certified copy of the death certificate
- Government-issued ID for the claimant/beneficiary
- Policy number and deceased information
- Certificate of Trust and trustee ID (if trust is the beneficiary)
Claims Contact
What to know at this institution
Claims are administered by Mutual of Omaha on behalf of United of Omaha Life Insurance Company, the underwriting entity. Two distinct claim tracks exist and using the wrong one delays payment: individual life claims go to 1-888-493-6902, while employer-sponsored group life and group voluntary life claims go to 1-800-775-8805 and require the employer or plan administrator to report the death and certify the coverage amount, with the beneficiary filing the United of Omaha Group Life Proof of Death Claim form (LG2836). Beneficiary designations override instructions in a will and pass outside probate. Two product-specific traps: Living Promise whole life is guaranteed-acceptance and carries a two-year graded death benefit, so a death from natural causes inside that window pays a return of premiums plus interest rather than the face amount (accidental death pays the full face amount from day one); and any policy is contestable during its first two years, which can extend the review. Group disability, dental, and vision coverages have no death benefit and generate no claim for an estate. In New York the policy is issued by Companion Life Insurance Company of New York, not United of Omaha.
Prepare your letter of instruction to United of Omaha
United of Omaha provides its own letter-of-instruction form. Answer a few questions and we complete that official form for you to print and sign.
Build your letter of instructionProcessing timelines at United of Omaha: Mutual of Omaha states that most life insurance claims are paid within 24 hours of receipt of complete documentation. Delays may occur if documentation is incomplete or if the death occurs within the contestability period (first two years of the policy). Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
United of Omaha requires several documents to process a claim, including Completed Claimant Statement form, Certified copy of the death certificate, and Government-issued ID for the claimant/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
United of Omaha Life Insurance Company is the underwriting entity behind most life insurance and annuity contracts marketed under the Mutual of Omaha brand, and it is a separate legal company from its parent, Mutual of Omaha Insurance Company. Mutual of Omaha administers customer service and claims on United of Omaha's behalf, so the phone numbers and forms carry the Mutual of Omaha name while the contract obligation sits with United of Omaha. One exception matters for estates: in New York the issuing company is Companion Life Insurance Company of New York (Hauppauge, NY), not United of Omaha. Check the issuing company printed on the policy before filing.
Yes, and they are separate tracks. Individual life claims (Term Life Express, Living Promise, Income Advantage IUL, Life Protection Advantage IUL, IUL Express) go to 1-888-493-6902. Employer-sponsored group life and group voluntary life claims go to 1-800-775-8805, and the employer or plan administrator must report the death and certify the coverage amount before the claim can be paid; the beneficiary files the United of Omaha Group Life Proof of Death Claim form (LG2836) at https://content.mutualofomaha.com/contactforms/sites/content.mutualofomaha.com.contactforms/files/_forms/LG2836_0117_wf.pdf. Either claim can be started online at https://www.mutualofomaha.com/support/claims, and Mutual of Omaha states a specialist contacts the claimant within one business day.
Individual policies underwritten by United of Omaha (term, whole, and indexed universal life) can be assigned to an ILIT using the Change of Ownership form (Form L6501) at https://content.mutualofomaha.com/contactforms/sites/content.mutualofomaha.com.contactforms/files/_forms/l6501_1212.pdf, which makes the trust the policy owner and premium payer. Transferring an existing policy into an ILIT is subject to the three-year lookback rule for federal estate tax purposes. Group term life and group voluntary term life cannot be assigned: the master policy belongs to the employer, so a certificate holder can only name the trust as beneficiary. Group disability, dental, and vision have no death benefit at all.
Living Promise whole life is guaranteed-acceptance coverage with no medical exam or health questions, so it carries a graded death benefit for the first two policy years: a death from natural causes inside that window pays a return of premiums paid plus interest rather than the full face amount, while accidental death pays the full face amount from day one. After two years the full death benefit is payable regardless of cause. Separately, any policy is contestable during its first two years, which lets the company review the application before paying and can extend the timeline on an otherwise routine claim.
United of Omaha's Individual Life Insurance Claims can be reached by phone at 1-888-493-6902 and fax at 402-997-1906 for questions throughout the claims process.
Multiple United of Omaha policies may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Individual Life Insurance Claims to confirm what applies.
Sources
Data sourced from United of Omaha primary sources (17 pages reviewed). How we research.
Customer Service
Mutual of Omaha Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175
Customer Service
Mutual of Omaha Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175
Individual Life Insurance Claims
Mutual of Omaha Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175
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