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United of Omaha Life Insurance | Life Insurance Company Review by Quotacy - YouTube
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Hey everyone we're Jeanna and Natasha
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and we work at Quotacy.
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Quotacy is an independent life insurance broker
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this means we have the ability to sell policies
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from multiple life insurance companies
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giving you more options.
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Today we're going to give a review of United of Omaha
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one of the life insurance companies we work with.
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United of Omaha is an American company headquartered in,
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you guessed it,
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Omaha, Nebraska and has been around since 1909.
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Overall, United of Omaha is a great company
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and excellent for applicants who have some
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family health history challenges.
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Quotacy only works with top-rated life insurance companies
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which means they are rated A or better
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and United of Omaha is no exception.
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Being A rated or better means the company is
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financially secure so you won't have to worry about
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your policy's death benefit not being paid.
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To stand out in the competitive life insurance industry,
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some companies cater to different health or lifestyle niches.
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United of Omaha is excellent for those with an iffy driving record
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and if you have family health issues.
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This means that while some companies may see
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these particular factors as higher risk than normal
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United of Omaha is a bit more lenient.
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Let's talk about what we like in regards to
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United of Omaha's policies and buying process.
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United of Omaha's level term product is called
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Term Life Answers and it's sold in term lengths of
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10, 15, 20, and 30 years.
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The smallest amount of term life insurance you can purchase
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is $100,000 and this is pretty standard.
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Depending on the life insurance product,
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there'll be different policy riders available.
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Life insurance policy riders are additional benefits
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that you can add on to your policy at the time of purchase.
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United of Omaha's term policy offers an
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accelerated death benefit rider,
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accidental death benefit rider, premium waiver for disability rider,
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a child rider, and a waiver of premium for unemployment rider.
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Let's break these down.
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An accelerated death benefit rider is included in
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United of Omaha term policies at no charge.
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This rider gives you access to a portion of
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your policy's death benefit if you are diagnosed with
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a terminal illness resulting in 12 months or less to live.
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An accidental death benefit rider is available on United of Omaha
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term policies for an additional cost.
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With this rider, your policy's beneficiary will receive an
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increased death benefit if you were to die due to an accident.
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This rider is a popular add-on for applicants who perhaps
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have a dangerous job or participate in risky hobbies.
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A premium waiver for disability rider is available
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on United of Omaha term policies for an additional cost.
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With this rider, United of Omaha will waive your premium payments
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during a period of total disability lasting six consecutive months or more.
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A child rider is available on United of Omaha
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term policies for an additional cost as well.
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For a small annual fee,
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a child rider provides $1,000 to $10,000 of life insurance coverage
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on all of your children less than 18 years of age.
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It also would include any future children you may have or adopt.
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A waiver of premium for unemployment is available on
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United of Omaha term policies at no cost.
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With this rider, if you become unemployed
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for at least four consecutive weeks
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United of Omaha will waive premium payments
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up to a total of six months and these payments
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do not have to be paid back.
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If you're interested in any of the riders we mentioned,
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let your Quotacy agent know after you apply.
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They'll let you know the exact cost of any rider you want to purchase
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and can add it to your policy during the buying process.
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If you're looking for life insurance,
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United of Omaha is a good option.
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If you have a not-so-stellar driving record or
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not-so-stellar family health history
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then United of Omaha is a great option.
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When you apply through Quotacy, we'll review your application
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to double-check that you've chosen to apply to a company
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that will give you the most favorable outcome.
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The final choice is of course 100% your decision
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we simply aim to be completely transparent
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and make sure you know all your options.
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Quotacy can help you get life insurance from United of Omaha
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or any of the other top-rated life insurance companies we work with.
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And why should you get life insurance through Quotacy?
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Our agents are licensed in all 50 states
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and they work on salary, not commission,
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so we'll never try and upsell you.
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We work for you, not the insurance companies.
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You won't pay any extra fees or charges to use our services.
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Get a free, instant term life insurance quote now
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from multiple top-rated life insurance companies
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without giving away any contact information.
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Thanks for watching.
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Bye!
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