Mutual of Omaha Burial Insurance Rate Chart by Age (2026)
Living Promise Level costs $41 a month for a 65-year-old woman at $10,000 of coverage. At $25,000, she pays $98. A 75-year-old woman pays $72 for $10,000. Every premium in this chart is locked in for life and never increases.
What Mutual of Omaha burial insurance costs
These are monthly rates for $10,000 of Living Promise Level coverage, the version with full day-one benefits and no waiting period. Level is for applicants whose health clears all the underwriting questions. Rates are split by gender because premiums differ.
Women, $10,000 Level, non-tobacco (monthly)
| Age | $10,000 |
|---|---|
| 50 | $24 |
| 55 | $28 |
| 60 | $33 |
| 65 | $41 |
| 70 | $53 |
| 75 | $72 |
| 80 | $98 |
Rates from Mutual of Omaha's producer rate card, product guide 461606, at the monthly bank-draft rate, retrieved August 2026. Estimates rounded to the dollar. Your final rate is set after a short review with a licensed agent. This is not a binding quote.
Men, $10,000 Level, non-tobacco (monthly)
| Age | $10,000 |
|---|---|
| 50 | $31 |
| 55 | $36 |
| 60 | $44 |
| 65 | $56 |
| 70 | $75 |
| 75 | $100 |
| 80 | $140 |
Rates from Mutual of Omaha's producer rate card, product guide 461606, at the monthly bank-draft rate, retrieved August 2026. Estimates rounded to the dollar. Your final rate is set after a short review with a licensed agent. This is not a binding quote.
Rates for $15,000 and $25,000 of coverage
Most families need $10,000 to $25,000 to cover funeral, burial, and final expenses. The tables below show monthly Living Promise Level rates at the two higher face amounts. All are non-tobacco.
Women, Level, non-tobacco (monthly)
| Age | $15,000 | $25,000 |
|---|---|---|
| 50 | $35 | $56 |
| 55 | $40 | $64 |
| 60 | $48 | $77 |
| 65 | $60 | $98 |
| 70 | $78 | $128 |
| 75 | $107 | $176 |
| 80 | $146 | $241 |
Rates from Mutual of Omaha's producer rate card, product guide 461606, at the monthly bank-draft rate, retrieved August 2026. Estimates rounded to the dollar. Your final rate is set after a short review with a licensed agent. This is not a binding quote.
Men, Level, non-tobacco (monthly)
| Age | $15,000 | $25,000 |
|---|---|---|
| 50 | $44 | $72 |
| 55 | $52 | $85 |
| 60 | $64 | $105 |
| 65 | $83 | $136 |
| 70 | $110 | $182 |
| 75 | $148 | $245 |
| 80 | $208 | $345 |
Rates from Mutual of Omaha's producer rate card, product guide 461606, at the monthly bank-draft rate, retrieved August 2026. Estimates rounded to the dollar. Your final rate is set after a short review with a licensed agent. This is not a binding quote.
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Level or Graded: which one you get
Living Promise has two benefit tiers. Both ask the same health questions. Your answers decide which tier you receive.
- Level: full death benefit from day one (subject to the standard two-year suicide exclusion and contestability period). Lower premiums. For applicants in better health.
- Graded: a two-year limited-payout period applies for non-accidental death. Higher premiums. For applicants with certain health conditions.
Neither tier is guaranteed issue. Both can decline applicants. If Living Promise declines you, that is not a dead end. Carriers like AIG offer guaranteed-issue plans with no health questions at all.
Graded benefit rates
The Graded tier has higher premiums than Level at every age. Coverage is $2,000 to $20,000 for ages 45 to 80. The tables below show $10,000 of Graded coverage.
Women, $10,000 Graded (monthly)
| Age | $10,000 |
|---|---|
| 50 | $30 |
| 55 | $37 |
| 60 | $43 |
| 65 | $50 |
| 70 | $64 |
| 75 | $88 |
| 80 | $126 |
Rates from Mutual of Omaha's producer rate card, product guide 461606, at the monthly bank-draft rate, retrieved August 2026. Estimates rounded to the dollar. Your final rate is set after a short review with a licensed agent. This is not a binding quote.
Men, $10,000 Graded (monthly)
| Age | $10,000 |
|---|---|
| 50 | $40 |
| 55 | $45 |
| 60 | $57 |
| 65 | $68 |
| 70 | $87 |
| 75 | $113 |
| 80 | $157 |
Rates from Mutual of Omaha's producer rate card, product guide 461606, at the monthly bank-draft rate, retrieved August 2026. Estimates rounded to the dollar. Your final rate is set after a short review with a licensed agent. This is not a binding quote. Note: the source table does not specify tobacco status for Graded rates. Confirm with the owner before publishing.
Rates if you smoke
Tobacco users pay approximately 30 to 50 percent more than non-tobacco rates. These are Living Promise Level rates for tobacco users. All forms of tobacco (cigarettes, cigars, chewing tobacco, pipes, vaping) are treated the same.
Women, Level, tobacco (monthly)
| Age | $10,000 | $15,000 | $25,000 |
|---|---|---|---|
| 50 | $32 | $46 | $74 |
| 55 | $39 | $56 | $92 |
| 60 | $45 | $66 | $108 |
| 65 | $57 | $83 | $137 |
| 70 | $74 | $110 | $181 |
| 75 | $100 | $148 | $245 |
| 80 | $135 | $201 | $333 |
Rates from Mutual of Omaha's producer rate card, product guide 461606, at the monthly bank-draft rate, retrieved August 2026. Estimates rounded to the dollar. Your final rate is set after a short review with a licensed agent. This is not a binding quote.
Men, Level, tobacco (monthly)
| Age | $10,000 | $15,000 | $25,000 |
|---|---|---|---|
| 50 | $38 | $56 | $91 |
| 55 | $48 | $70 | $115 |
| 60 | $60 | $88 | $144 |
| 65 | $80 | $118 | $195 |
| 70 | $107 | $159 | $264 |
| 75 | $145 | $216 | $358 |
| 80 | $206 | $308 | $511 |
Rates from Mutual of Omaha's producer rate card, product guide 461606, at the monthly bank-draft rate, retrieved August 2026. Estimates rounded to the dollar. Your final rate is set after a short review with a licensed agent. This is not a binding quote.
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What these rates include, and what they do not
- Level Benefit: $2,000 to $50,000 of coverage (Washington: $5,000 to $50,000), issue ages 45 to 85. Full death benefit payable from day one (subject to the standard two-year suicide exclusion and contestability period).
- Graded Benefit: $2,000 to $20,000 (Washington: $5,000 to $20,000), issue ages 45 to 80. Two-year limited-payout period for non-accidental death.
- Graded two-year rule, carrier's exact words: "the beneficiary will receive all premiums paid plus 10 percent."
- Accidents, carrier's exact words: "Full death benefits will be paid, in all years, if death results from an accidental bodily injury."
- Premiums are fixed for life and never increase. The rate you lock in at purchase is the rate you pay as long as the policy is in force.
- Underwriter: United of Omaha Life Insurance Company, a subsidiary of Mutual of Omaha. United of Omaha does not conduct business in New York.
- AM Best: A+ (Superior), the second highest of AM Best's thirteen levels, stable outlook, affirmed 2 April 2026.
- No medical exam. Both tiers use simplified-issue health questions only.
- Graded availability varies by state. Ask your agent.
Mutual of Omaha does not offer a guaranteed-issue product to brokers. If you cannot answer health questions, AIG's guaranteed-issue plan has no health questions at all.
How Mutual of Omaha compares
Among the 25+ carriers Asurgo quotes, Living Promise Level typically has the lowest simplified-issue premium for applicants who qualify. The trade-off is stricter health questions. If Mutual of Omaha declines you, carriers with more lenient underwriting (such as Aetna/Accendo, Transamerica, or AIG) often accept the same applicant.
Our full Mutual of Omaha review compares rates against four other carriers at $10,000 of coverage, and explains who qualifies for which tier. If you want to see how Living Promise stacks up side by side, start there.
See how your rate compares
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What to take away from this rate chart
- Living Promise Level has the lowest simplified-issue rates on our panel. At age 65, a non-tobacco woman pays $41 a month for $10,000. No other carrier we quote beats that for qualifying applicants.
- Graded rates are higher at every age. At 65, a Graded woman pays $50 versus $41 for Level. The gap reflects the carrier's extra risk during the two-year limited-payout period.
- Smokers pay 30 to 50 percent more. At 65, a tobacco-using woman pays $57 versus $41 for a non-tobacco woman. The markup is consistent across all ages.
- Men pay more than women at every age. The difference grows with age. At 80, a non-tobacco woman pays $98 for $10,000 versus $146 for $15,000 in the male column.
- Every rate is locked for life. Once you buy, the premium never increases regardless of changes in age or health.
For the complete company review, financial strength data, and a five-carrier comparison table, see our Mutual of Omaha life insurance review. For the full breakdown of Level versus Graded and who qualifies for each tier, read the Living Promise guide.
Common questions
How much does Mutual of Omaha burial insurance cost by age?
Monthly rates for $10,000 of Living Promise Level coverage start at $24 for a 50-year-old woman and $31 for a 50-year-old man (non-tobacco). At age 65, a woman pays $41 and a man pays $56. At age 80, a woman pays $98. All rates are from the producer rate card, product guide 461606, at the monthly bank-draft rate. Premiums are fixed for life and never increase.
What is the difference between Level and Graded rates?
Level rates are for applicants whose health clears all the underwriting questions. Level pays the full death benefit from day one (subject to the standard two-year suicide exclusion and contestability period). Graded rates are higher because the carrier takes more risk during a two-year limited-payout period. If the Graded policyholder passes from non-accidental causes in the first two years, beneficiaries receive all premiums paid plus 10 percent, not the full death benefit. After two years, the full amount is paid regardless of cause.
Does Mutual of Omaha's rate increase after you buy?
No. Living Promise premiums are fixed for life. Your monthly rate is locked in at the time of purchase and never increases, regardless of changes in your age or health. This applies to both the Level and Graded benefit tiers.
How much does Mutual of Omaha burial insurance cost for a 70-year-old?
For $10,000 of Living Promise Level coverage (non-tobacco), a 70-year-old woman pays $53 per month. For $25,000 of coverage, she pays $128 per month. Male rates are higher at every age. Rates are from the producer rate card, product guide 461606, at the monthly bank-draft rate. Your exact rate depends on your health answers.
Does Mutual of Omaha cost more if you smoke?
Yes. Tobacco users pay approximately 30 to 50 percent more than non-tobacco rates. For example, a 65-year-old non-tobacco woman pays $41 per month for $10,000 of Level coverage. The same woman at tobacco rates pays $57 per month. All forms of tobacco (cigarettes, cigars, chewing tobacco, pipes, vaping) are treated the same by most final expense carriers.
What coverage amounts does Mutual of Omaha offer?
Living Promise Level offers $2,000 to $50,000 in coverage (Washington: $5,000 to $50,000) for ages 45 to 85. Living Promise Graded offers $2,000 to $20,000 for ages 45 to 80. Both are whole life policies with premiums that never increase and a death benefit that never decreases.
Is there a waiting period on Mutual of Omaha burial insurance?
Living Promise Level has no waiting period. The full death benefit is payable from day one, subject to a two-year suicide exclusion and standard contestability period. Living Promise Graded has a two-year limited-payout period for non-accidental death. During those two years, beneficiaries receive all premiums paid plus 10 percent. Accidental death is covered in full from day one on both tiers. After two years, the Graded benefit pays the full amount regardless of cause.
Related pages
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Nicholas Norminton, Licensed Insurance Specialist
Nicholas is a nationally licensed insurance specialist who has helped thousands of clients secure life insurance coverage. He places Mutual of Omaha Living Promise policies regularly and reviews carrier products based on firsthand underwriting experience.