Mutual Of Omaha
Mutual of Omaha is the highest-profile mutual Medigap writer — A+ rated, household discounts, and an issue-age block in select states that changes the long-run math.
| Fact | Mutual of Omaha |
|---|---|
| Medigap plans offered | A, G, N, F (legacy), HD-G, K, L |
| AM Best rating | A+ (Superior) |
| Pricing model | Attained age; issue-age blocks in some states |
| Household discount | Yes where filed |
| Signature feature | Strong financials; long rate-stability record |
Strengths
Mutual’s rate-increase discipline is its calling card — historically among the tamest increase patterns among national carriers (see rate history patterns). Where it files issue-age plans, the model comparison can flip the normal carrier ranking at ages 75+.
Watch-outs
The brand premium is real: entry rates are rarely the cheapest on the board, so you pay up for stability. Whether that trade is worth it is a decade-scale question — run both the entry rate and the modeled age-80 rate before deciding.
FAQ
Is Mutual of Omaha issue-age?
In select states and blocks — ask per state; most of the book remains attained-age.
Is Mutual of Omaha financially strong?
A+ (Superior) from AM Best — among the strongest Medigap writers.
Related reading: All carriers · Pricing models · Rate history