How Do I Write a Letter of Instruction to United of Omaha?

Send it to United of Omaha's estate/claims department: Mutual of Omaha Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175. You can reach the department at 1-888-493-6902.

United of Omaha lists these among its required documents: Completed Claimant Statement form; Certified copy of the death certificate; Government-issued ID for the claimant/beneficiary; Policy number and deceased information. The prepared letter includes an enclosure checklist drawn from United of Omaha's recorded requirements.

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).

United of Omaha provides its own letter-of-instruction form. We complete that official form with your information; you print, sign, and send it.

It depends on the capacity you are acting in. An executor or administrator encloses Letters Testamentary (when there is a will) or Letters of Administration (when there is not); a successor trustee encloses a certificate of trust; a successor under a small estate encloses that state’s small estate affidavit. The prepared letter lists the proof-of-authority document for your role alongside the institution’s required documents.

A letter of instruction is the written request an institution asks for when settling a deceased customer’s account. It identifies the decedent and the account, states the capacity you are acting in, and tells the institution what to do with the account.