Mutual of Omaha vs AARP New York Life

How Does Mutual of Omaha Compare to AARP New York Life? 

Mutual of Omaha offers people age 45 to 85 guaranteed issue life insurance coverage.  There is no medical exam required and you won’t have to answer any health questions.

Your coverage can never be reduced or canceled for the life of the policy due to your health or occupation as long as your premiums are paid.

Mutual of Omaha offers people over age 80, and under age 50, life insurance coverage. In addition, Mutual Omaha has lower rates compared to AARP for guaranteed acceptance life insurance.

Mutual of Omaha offers you up to $25,000 of life insurance with no exam and no health questions.

Review of  AARP/New York Life and Mutual of Omaha

Mutual of Omaha

• From $2,000 up to $25,000 of Life Insurance Protection (in WA, $5,000 - $25,000)
• No Medical Exam - Simple Application
• No Health Questions Asked
• 30 day Money-back Guarantee
• No Waiting Period. Buy Direct
• Rates as Low As $8.84 per month
• Coverage Amount Never Decreases
• Premium Never Increases
• Builds Cash Value You Can Borrow Against
• Guaranteed Approval 
• A.M. Best financial strength rating: A+ (Superior)
• Available for Ages 45-85 (50-75 in NY)

AARP / New York Life 

• Coverage Amount: Up to $25,000
• No Medical Exam
• No Health Questions
• Guaranteed Rates that will Never Increase
• Permanent Insurance You Can Keep Your Entire Life
• 30 day Money-back Guarantee
• A.M. Best financial strength rating: A++ (Superior) for New York Life
• Available for Ages: 50-80 (AARP Members Only)
• Not Available to Residents of New Jersey or Washington

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If you are looking for a guaranteed issue life insurance policy for people ages 45 to 85, at more competitive rates, from a life insurance carrier that has a Superior rating for financial strength, Mutual of Omaha may be an option to consider.

Final Expense Plans provide the security and protection you and your loved ones need, when they need it most. You can help protect your loved ones from the financial burden of paying for your final expenses.

Final Expenses Life Insurance (also known as funeral or burial insurance) is a type of life insurance policy providing $2,500-$25,000 of protection, a simple application form and hassle-free underwriting. 

Your final expense policy death benefit is paid to your beneficiary of choice tax-free. You can choose the amount of coverage that is right for you.

Final expenses insurance coverage can help you provide your loved ones with the money needed to help pay for your burial, funeral, headstone, memorial service, and any other final costs associated with your passing.

According to the 2021 funeral price survey by the National Funeral Directors Association, the average cost of an adult funeral is $7,848.00. This is based on the most commonly selected items for a traditional funeral including a casket and vault. 

 

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