What to do when an United of Omaha account holder dies
Report the death to United of Omaha's Life Insurance Claims at 1-888-493-6902
A death claim on a United of Omaha policy is filed through the 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.
Death claim process
Here is the step-by-step death claim process at United of Omaha:
Filing a claim
- Individual life insurance: 888-493-6902, or the Report a Passing form
- Life insurance through an employer: 1-800-775-8805
- Annuity: 800-646-7592; annuity death claims start by phone
- In New York, life insurance and annuities are issued by Companion Life Insurance Company rather than United of Omaha
- Have the policy number or coverage ID and the policyowner or insured's date of birth
- A claims specialist contacts the person who reported within one business day
- In most cases no death certificate is needed; a completed claim packet with a copy of the death certificate is required for foreign deaths, contestable coverage and face amounts over $100,000
- The employer or plan administrator completes Part I; each beneficiary completes a separate Part II
- Attach the beneficiary designation form, the enrollment form, and the death certificate showing cause and manner of death
- Return it to United of Omaha Life Insurance Company, Group Life Claims, 3300 Mutual of Omaha Plaza, Omaha, NE 68175-0001, by fax to (402) 997-1835, or by email to submitgrplife@mutualofomaha.com
- Claims are paid by check mailed to the payee or beneficiary on file; direct deposit is not available
- Allow up to 10 business days to receive the payment
- Enter the policyholder's name, date of birth, date of death, cause of death, and one policy number per submission
- Optionally add the funeral home, an obituary web address, and an uploaded obituary or death certificate (PDF, up to 10 MB)
- Enter the beneficiary's details if known and your own contact information
- A claims specialist reviews the information and contacts you within one business day
- Individual life: 888-493-6902
- Employer-sponsored group life: 1-800-775-8805
- Annuities: 800-646-7592
- Have the policy number or coverage ID and the policyowner or insured's date of birth
- United of Omaha Life Insurance Company, Group Life Claims, 3300 Mutual of Omaha Plaza, Omaha, NE 68175-0001
- Or fax (402) 997-1835, or email submitgrplife@mutualofomaha.com
- Individual life: 888-493-6902; annuities: 800-646-7592
Required Documents
- Completed claim packet with a copy of the death certificate, individual life: for foreign deaths, contestable coverage and face amounts over $100,000In most situations an individual life claim needs no death certificate.
- Completed claim packet with a copy of the death certificate, annuity: for every annuity death claim
- Proof of Death claim form 454130, group lifeThe employer completes Part I and each beneficiary completes Part II.
- Beneficiary designation form and enrollment form, group life
- Death certificate showing cause and manner of death, group lifeAn original certified death certificate. A copy is acceptable if the benefit amount is $200,000 or less.
- Letters Testamentary or Letters of Administration, group life, where the estate is the beneficiaryThe letters appoint the personal representative.
- Copies of the trust's face page, trustee designation and signature page, group life, where a trust is the beneficiaryThe designation page is the trustee or successor trustee designation.
- Affidavit of Preferential Beneficiary Designation, group life, where no named beneficiary survivesNotarized and completed by the surviving heir.
Claims Contact
Website: Online portal →
Forms United of Omaha issues2
- Proof of Death (Life Claim Form) 454130
Completed by the employer or plan administrator (Part I) and each beneficiary (a separate Part II). Available to download.1, 2
- Claim packet
Sent by the institution on request.3
What happens to each kind of account1
- Life insurance policy
If the policyowner dies while the insured is living, transferring ownership may require a death certificate, a Release and Indemnity Agreement or a Small Estates Affidavit.3
Accounts handled elsewhere1
- Companion Life Insurance Company
Life insurance and annuities issued in New York4
What United of Omaha's agreement and guidance say1
- How proceeds are paid
Claims are paid by check mailed to the payee or beneficiary on file. Direct deposit is not available.3
A death benefit can be assigned to a funeral home with the beneficiary's verbal authorization, or with a signed written assignment when a claim packet is needed. No assignment is processed when the policy is paid to an estate or a minor.3
Most individual life claims are paid the same day they are filed; allow up to 10 business days to receive the payment. Annuity payments take the same.
Frequently asked questions
Life insurance and annuities sold under the Mutual of Omaha brand are underwritten by United of Omaha Life Insurance Company, a wholly owned subsidiary of Mutual of Omaha Insurance Company and a separate company from it. The claims lines, pages and most forms carry the Mutual of Omaha name. In New York the underwriter is Companion Life Insurance Company of Melville, NY, not United of Omaha. The issuing company is printed on the policy.
United of Omaha's Life Insurance Claims can be reached by phone at 1-888-493-6902 for questions throughout the claims process.
Sources
- mutualofomaha.com
- cdn.mutualofomaha.com
- content.mutualofomaha.com
- producer.mutualofomaha.com
- unitedofomaha.com
Data sourced from United of Omaha primary sources (30 pages reviewed). How we research.
United of Omaha death claims support
Life Insurance Claims (individual coverage)
Phone
Toll-free
Employer-Sponsored Group Life Claims
Hours
Mailing address
Website
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