Mutual of Omaha

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Mutual of Omaha Insurance Company was chartered in 1909 and offers
a diversified line of individual and group health and accident insurance
products nationwide. A mutual company, its subsidiaries include:
United of Omaha Life Insurance Company was founded in 1926 and offers
a diversified portfolio of life insurance, fixed annuities and other insurance
and financial services products through Mutual of Omaha’s agency sales
force, group sales offices and independent agent networks. It is licensed
nationwide except for New York.
Companion Life Insurance Company of Hauppauge, NY, offers a full line of
individual life, annuity and group life insurance plans to residents of New
York, and underwrites special risks coverages in New York. It was founded
in 1949.
United World Life Insurance Company offers specialty life plans and health
and accident coverage through direct marketing, Mutual of Omaha’s agency
sales force and independent agent networks. Founded in 1983, it is licensed
nationwide except Connecticut and New York.
Mutual of Omaha Investor Services, Inc., is a registered broker-dealer that
provides mutual funds directly to consumers through Mutual of Omaha’s
agency sales force and Retirement Plans Division.
Omaha Financial Holdings, Inc., is a holding company for Mutual of
Omaha’s banking operations.
Retirement Marketing Solutions, Inc., is a national wholesaling organization
specializing in retirement products.
Continuum Worldwide Corporation is a leading provider of Operational
Risk Management services and consulting.

Mutual Of Omaha: Strong. Stable. Secure.It has become known as the “Financial Crisis” and the “Great Recession,”and it has shaken confidence in the strength and stability of our financialsystem. There’s no doubt that the world is much more financiallycomplicated than it used to be. Now, more than ever, people need moreinformation about the companies they do business with. How strongare they? Will those companies be there when it comes time to pay thepromised benefits?We want to address your questions about our financial condition in astraightforward, objective and understandable way.As Mutual of Omaha Insurance Company begins its second century inbusiness, you can count on us for the strength, stability and security that’seven more important in these uncertain times. We look forward to workingwith you for years to come.By Our Policyholders, For Our PolicyholdersAs a mutual company, owned by its policyholders, Mutual of OmahaInsurance Company is not driven by the short-term thinking and focus onquarterly results that often characterize publicly traded companies. Whilethere are benefits to both forms of organization, our mutual structureallows the company to ensure that every investment it makes is donewith the long-term benefit of our policyholders in mind. In addition, ourfinancial strength and ability to operate and grow is not strongly tied tothe ups and downs of the investment markets.

When the bubble burst, many businesses found themselves in a capital
crisis. This erosion of capital, due largely to market declines and losses on
risky investments, contributed to the financial crisis.
The capital position of Mutual of Omaha Insurance Company and its
insurance subsidiaries (Mutual of Omaha) is quite strong. Thanks to our
disciplined balance sheet management and investment strategy as well as
our prudent business philosophy, we have avoided drains on our capital.
We said, “No, thank you,” to federal bailout monies – we simply did not
need it to maintain our financial strength and keep our promises to our
customers.
As of Dec. 31, 2009, Mutual of Omaha had more than $2.2 billion in
statutory surplus, a key measure of an insurer’s capital strength. That $2.2
billion represents financial security for our policyholders and ensures we
will have the ability to not just survive, but to thrive in these difficult times.

Mutual of Omaha’s liquidity position is solid. This is important in
tumultuous times with unpredictable markets. Ensuring the ready
availability of funds to meet our obligations and run our business is an
important facet of our operating philosophy. Our investments alone
generate more than $1.5 billion in cash flow each year. If necessary, we
also have access to committed bank lines of credit. Further, Mutual of
Omaha Insurance Company is a stockholder in the Federal Home Loan
Bank of Topeka and has access to funds from that bank. This provides
assurance that, even in challenging times, Mutual of Omaha will be there
to keep its promises.

Statutory surplus represents additional
funds available to meet current and
future obligations to policyholders, and
is an important indicator of an insurer’s
financial strength. With $2.2 billion as
of Dec. 31, 2009, Mutual of Omaha’s
statutory surplus is very strong.

Very Limited Subprime Exposure
The root cause of the current financial crisis will be widely debated for
years to come. However, most of us first recognized the problem when the
subprime mortgage market began to crumble. Mutual of Omaha has less
than 1 percent of its total adjusted capital exposed to subprime collateral.
All of these investments have some form of credit protection and virtually
all were purchased prior to 2005, when mortgage underwriting standards
were more rigid.
High Quality Bond Portfolio
Most of Mutual of Omaha’s portfolio is invested in bonds. Mutual of Omaha’s
bond portfolio is very strong, with nearly 94 percent rated as highest or high
quality by the National Association of Insurance Commissioners (NAIC). We
emphasize investments in those asset classes that can most effectively fund
our insurance products while providing adequate risk-adjusted returns.
Limited Equity Market Exposure
Recent dramatic swings in the stock market have challenged all investors.
Mutual of Omaha has limited exposure to the public equity markets. As
a result, the volatility that has characterized the stock market since the
financial crisis hit has not had a material impact on our financial position.

Objective, third-party assessments offer a valuable perspective on a company’s
financial strength. The leading rating agencies validate and reinforce Mutual
of Omaha’s financial strength. We have consistently earned and maintained
high marks from rating agencies like A.M. Best, Standard & Poor’s and
Moody’s Investors Service.
Throughout the financial crisis, Mutual of Omaha’s financial strength ratings
remained unchanged.
In early 2010, Moody’s Investors Service affirmed Mutual of Omaha Insurance
Company’s Aa3 (Excellent) rating and A.M. Best affirmed its A+ (Superior)
rating. As Forbes noted in its Oct. 13, 2008, issue, A+ and better companies
are best positioned to weather financial storms. The magazine even listed
Mutual of Omaha as one of five “wise policies” due to our strong balance
sheet and high rating.
Another broadly accepted third-party assessment of a company’s financial
strength is the Comdex ranking, which compares a company’s ratings relative to
all companies that have been rated by at least two of the major rating services.
Mutual of Omaha’s Comdex ranking is 96 out of 100, meaning that we rank
above 96 percent of all companies rated in the insurance industry.

For a century – through recessions and a Great Depression, through two World Wars, through the Roaring ’20s, Psychedelic ’60s and Go-Go ’80s – Mutual of Omaha
has been there to keep our promises to our customers. That will not change. Today, as the nation grapples with new financial realities, Mutual of Omaha is strong,
stable, secure and ready to meet your insurance and financial needs.
5
Ratings as of 3-15-10
Highly Rated
Objective, third-party assessments offer a valuable perspective on a company’s
financial strength. The leading rating agencies validate and reinforce Mutual
of Omaha’s financial strength. We have consistently earned and maintained
high marks from rating agencies like A.M. Best, Standard & Poor’s and
Moody’s Investors Service.
Throughout the financial crisis, Mutual of Omaha’s financial strength ratings
remained unchanged.
In early 2010, Moody’s Investors Service affirmed Mutual of Omaha Insurance
Company’s Aa3 (Excellent) rating and A.M. Best affirmed its A+ (Superior)
rating. As Forbes noted in its Oct. 13, 2008, issue, A+ and better companies
are best positioned to weather financial storms. The magazine even listed
Mutual of Omaha as one of five “wise policies” due to our strong balance
sheet and high rating.
Another broadly accepted third-party assessment of a company’s financial
strength is the Comdex ranking, which compares a company’s ratings relative to
all companies that have been rated by at least two of the major rating services.
Mutual of Omaha’s Comdex ranking is 96 out of 100, meaning that we rank
above 96 percent of all companies rated in the insurance industry.
Standard & Poor’s
For financial strength to meet
obligations to policyholders
A.M. Best Company
For overall financial strength and
ability to meet ongoing obligations
to policyholders
Moody’s Investors Service
For current financial strength and
ability to withstand financial stress
in the future
AA- (Very Strong)
This rating is fourth highest of 21

Life Insurance
Protect your family from the financial risk associated with death or build
wealth to achieve your financial goals.
Medicare Supplement Insurance
Reduce out-of-pocket health care expenses with competitively priced
products that work with Medicare plans.
Annuities
Accumulate savings and assets or convert into guaranteed income payments
for retirement.
Long-Term Care Insurance
Preserve assets and receive quality care with coverage for home health care,
assisted living facilities and nursing homes.
Income Protection Insurance
Protect your most valuable asset – your income – with short-term, long-term
and accident disability insurance.
Supplemental Health Insurance
Protection from life’s unforeseen events through critical illness, accidental
death and cancer insurance.
Investment Products
Registered representatives can help you invest wisely toward your financial
goals.

Life Insurance
Protect your employees and their families from the financial risk associated
with death.
Disability Insurance
Protect employees’ incomes in the event of a disabling accident or illness.
Dental Insurance
Offer your employees comprehensive, affordable coverage backed by a large
network.
Voluntary Products
Provide a comprehensive benefits package with voluntary benefits employees
can purchase through payroll deduction.
Retirement Services Products
Choose from turnkey employer solutions, with fiduciary support and
individually managed account options to protect plan sponsors and help
employees save for a financially secure future.
Retirement Income Products
A range of options designed to provide employees and individuals with a
steady stream of retirement income.
Institutional Investment Products
Preserve capital with fixed-income investment products, including funding
agreements and guaranteed investment contracts.
Special Markets
Special products for specialized needs, including Stop-Loss for Third Party
Administrators and Youth Activities/Sports Accident coverage.

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