Mutual of Omaha No Exam Life Insurance

Quick Summary: Mutual of Omaha is an extremely strong well-known company but many of our clients can do better if you need a policy that doesn't require a physical exam. Renewability up to age 100 without new proof of insurance is a unique benefit that will interest some. Has nice options for policy customization and a maximum death benefit of $300,000.

Skip the Exam

See our in-depth guide about life insurance without the medical exam. Compare more than 20 of the top companies and policies. Find out which is right for you today.

About the Company

Mutual of Omaha insurance company logo
Mutual of Omaha no physical exam life insurance company logo

Mutual of Omaha is right at the very top of the life insurance world. Their reputation and financial standing are very tough to beat.

Industry rating agency A.M. Best assigns an A+ which is considering excellent and a level not many companies achieve.

MOO holds almost 40 Billion in assets with a reported net income of 356 million. You could say it's a pretty good chance they'll be around for a while longer and are a safe bet to pay out any death claims.

About the Policy

Product Name

Term Life Express


$25,000 to $400,000


18 to 65


15, 20, 30 years

Product Name

Term Life Express


$25,000 to $400,000


18 to 65


15, 20, 30 years

Underwriting Process

Prepare for the MOO underwriters to do a few digital checks that will include:

  • Motor Vehicle Report 
  • Prescription Database
  • Medical Information Bureau

The Medical Information Bureau is a service that insurers subscribe to. They share information on past life insurance denials.

So If: If you just got denied at another company because of a history of seizures, they will be able to see this. Skipping the exam won't save you here.

Medical Records

Underwriting will try to approve you 100% electronically but if anything jumps out, they may request an APS from your doctor's office to take a closer look. This can delay the process for a few weeks, much of which is dependent on how quickly your doctor responds to the request.

Decision Time

Mutual of Omaha is not the fastest for underwriting decisions in the no exam world. While some carriers will have decisions in minutes, MOO will take at least 1 week and considerably longer if medical records are requested.


Very good living benefits included in all policies.

Renewable to age 100 without having to do new underwriting and prove your health.

The build chart you must fit into (Height and Weight) is more relaxed than other insurers.


Priced higher than comparable no medical policies at other companies.

Standard is the highest health class available without taking the medical exam.

Extras and Options

Mutual of Omaha includes 4 riders at no extra cost:

  • Accelerated Death Benefit Rider
  • Waiver of Premium for Unemployment Protection
  • Residential Damage Rider

For a little more money, you can choose to add a Disability Income Rider if you choose. This pays out a sum of money monthly if the insured becomes disabled.

 May convert to a permanent policy regardless of health before the initial level term period ends or up to age 70. This includes MOO's guaranteed universal policy.


Mutual of Omaha's no medical life insurance is priced higher than most others.

Sample No Exam Quotes - Mutual of Omaha Term Life Express

40 year old male at Standard health class - pricing listed is per month

Death Benefit

10 Year

20 Year

30 Year













35 year old female at Standard health class - pricing listed is per month

Death Benefit

10 Year

20 Year

30 Year













Use our quoting tool to see the rate you'd pay for a Mutual of Omaha no exam policy. 

How to Find the Best No Exam Policy

There are lots of companies now offering no exam life insurance coverage, including Mutual of Omaha.

How do you know which is best for you? 

You need to research the different companies well as the specific policies and compare strengths and weaknesses. Price, is of course, important, but it's not the only factor.

When researching insurance companies, you absolutely must find out about their underwriting guidelines specific to any health conditions you may have. Every company is different. Getting a better health class rating can save you lots of money, you just need to know where to apply.

The best way to do this is to work with an independent agency that is:

  • Unbiased and not obligated to any particular life insurance company.
  • Has access to all the top no exam products as well as some niche products for certain people/situations.
  • Is a specialist in the no exam area.
using an independent life insurance agent to maximize pensions benefits through the addition of a life insurance policy

No Pressure. No Cost.

This just so happens to be exactly what we do! We only sell life insurance so it's our job to stay up to date on everything so that our clients can save money and get the best term life insurance.

There is no cost to use our service and life insurance rates are fixed by law. You don't save any money going direct to Mutual of Omaha or another insurance company, you just won't have anybody on your side!

If you'd like to have a no pressure talk about options, please fill out a quote form on our site and we'll get in touch very soon.


  • Ty Stewart

    Ty Stewart is a founder and contributor of He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent he has helped clients nationwide to secure affordable coverage while making the process simple. Stewart Ty
  • Bennett Bier

    I’m Bennett Bier, owner, author and fact checker of Simple Life Insure. I believe working with a small independent broker offers consumers more personal attention and superior customer service. As an independent agent licensed in all 50 states and the District of Columbia I have access to many of the top A+ rated life insurance carriers. This lets me locate a plan that you will qualify for while saving you money at the same time. Over the years I have mastered the art of underwriting, getting approvals even for my highest risk clients. I’m also likely the person that will answer the phone when you call. Bier Bennett