Is United Of Omaha Life Insurance Legitimate? 
United of Omaha is one of the biggest carriers in the life insurance industry and is an A + rated carrier by A.M. Best . Their life insurance rates can be competitive with many options . Often , some carriers have much better rates for certain types of coverage than other types -LRB- e.g. a carrier may be more competitive in the term insurance market than they are in the permanent insurance market , and vice versa -RRB- . Please note , when comparing life insurance companies , there are a number of factors you need to consider in addition to the financial rating of a life insurance company . Just because they may be a big name company , does not mean they 're going to be the best carrier for your needs . The most important factor you need to consider when looking at life insurance is the risk classification you qualify for . The risk classification determines the premiums for the program . It 's important to shop the case BEFORE applying for any coverage so you know which carrier will work best for your specific medical history , which will in turn point you in the best starting position . You ideally want to only have to go through the underwriting process once , not multiple times . If you try to apply to multiple carriers at the same time , it often works against you as it acts like a red flag to carriers and more questions get asked . It 's best to consult with an experienced life insurance broker who can help you determine what coverage structure is most suitable to your needs and budget , review and compare multiple options for you to make sure you 're getting the lowest rates for the coverage . I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much . 