Mutual of Omaha Term Life Express: No-Exam Term Life (2026)
Term Life Express is Mutual of Omaha's simplified-issue term life policy. Simplified issue means no medical exam, just health questions on the application. It offers $25,000 to $550,000 in coverage with 10, 15, 20, or 30-year terms. Issue ages are 18 to 75. Issued by United of Omaha Life Insurance Company.
The Product
What Is Mutual of Omaha Term Life Express?
Term Life Express is Mutual of Omaha's no-exam term life product. It's issued by United of Omaha Life Insurance Company, a Mutual of Omaha subsidiary. It's for people who want term coverage without a full medical exam.
Instead of blood work or a doctor visit, you answer health questions on the application. The industry calls this simplified issue. It's faster than fully underwritten products, but the carrier still screens for health conditions.
Term Life Express offers two risk classes: Standard Non-Tobacco and Standard Tobacco. There are no preferred tiers. Marijuana use is allowed at non-tobacco rates.
Asurgo writes Term Life Express directly. We're an appointed Mutual of Omaha agent. We can quote this product and compare it against term options from other carriers on our panel. For the full company review, including financial strength and complaint data, see our full Mutual of Omaha life insurance review.
The Process
How Simplified-Issue Term Life Works
Simplified-issue term life skips the parts of underwriting that take the longest: no blood draw, no urine sample, no paramedical exam. You answer health questions during the application. The carrier may also run electronic checks on your prescription history and MIB records.
The questions cover serious conditions: cancer history, heart disease, stroke, COPD, organ transplants, and others. If your health clears the questionnaire, you're approved. If it doesn't, you're declined for that product. Term Life Express has no graded or modified tier like Mutual of Omaha Living Promise does. You qualify or you don't.
The Comparison
Term Life Express vs Term Life Answers: Which One Fits You?
Term Life Express (Simplified Issue)
No medical exam. Health questions only. Designed for speed and convenience. Coverage from $25,000 to $550,000. Two risk classes (Standard Non-Tobacco, Standard Tobacco). Available to ages 18 to 75.
Term Life Answers (Fully Underwritten)
Full medical exam with blood work and a health history review. Longer approval process. Typically lower premiums per dollar of coverage and higher coverage limits. May offer preferred risk classes that Express doesn't.
How to Choose
- Choose Express if you want coverage fast, don't want a medical exam, and your need is $550,000 or less
- Choose Answers if you're willing to do a medical exam for lower rates, or need more than $550,000
Asurgo doesn't quote Term Life Answers, but we carry 25+ carriers with fully underwritten term options, including Transamerica Trendsetter and Banner Life. If Express isn't the best fit, we can compare alternatives.
Get a Term Life Express quote through Asurgo
Asurgo is an appointed Mutual of Omaha agent and an independent brokerage that compares 25+ carriers. See how Express stacks up.
The Specs
Coverage Amounts, Ages, and Term Lengths
Here's what Term Life Express offers. Every spec below is confirmed from Mutual of Omaha product materials.
| Spec | Term Life Express |
|---|---|
| Coverage range | $25,000 to $550,000 (age-dependent caps: 18-50 up to $550K, 51-60 up to $450K, 61-75 up to $350K) |
| Term lengths | 10, 15, 20, 30 years |
| Issue ages | 18 to 75 |
| Max issue age by term | 10-year: 75 | 15-year: 70 | 20-year: 60 | 30-year: 50 |
| Medical exam | None; health questions only |
| Risk classes | Standard Non-Tobacco, Standard Tobacco (2 classes, no preferred tiers) |
| Riders (included) | Terminal Illness, Chronic Illness, Critical Illness Living Benefits; Unemployment Waiver of Premium; Residential Damage Waiver of Premium |
| Riders (optional) | Accidental Death Benefit, Dependent Children's, Disability Income, Disability Waiver of Premium |
| Conversion | After year 2, to IUL Express or Living Promise |
| Renewable | Annually to age 100 (at higher renewal rates) |
The living benefit riders stand out. Terminal, chronic, and critical illness riders are included at no extra cost. You can access part of your death benefit while alive if diagnosed with a qualifying illness. Express includes these by default, unlike Transamerica Trendsetter LB, which offers them as a separate product version.
The Timeline
How Fast Is Approval?
Term Life Express is designed for speed. Because there's no medical exam, there's no waiting for lab results or paramedical scheduling. The application is completed with your Asurgo agent, typically in a single call.
Approval timelines depend on the electronic checks the carrier runs and whether any follow-up information is needed. Asurgo's general promise is that most applicants have coverage in force within 24 hours.
Get a Term Life Express quote through Asurgo
Most applicants have coverage in force within 24 hours. Free quote, no obligation.
The Fit Test
Who Term Life Express Fits (and Who Should Compare First)
Term Life Express is a solid fit if you value speed and exam avoidance over the lowest possible rate per dollar.
Express Fits If
- You want term life coverage without a medical exam
- You need coverage in force quickly
- You have manageable health conditions that can pass simplified-issue screening
- You want living benefit riders (terminal, chronic, critical illness) included at no extra cost
- Your coverage need is $550,000 or less
Compare First If
- You're very healthy and could qualify for preferred rates on a fully underwritten product
- You need more than $550,000 in coverage
- You're over 50 and want a 30-year term (Express caps 30-year at age 50)
- You've been declined for a health condition like COPD, heart disease, cancer history, or stroke (Express has a long decline list)
- You're over 75 (Express doesn't issue past 75; for smaller permanent coverage, see Mutual of Omaha Living Promise)
Asurgo quotes Term Life Express and alternatives side by side across 25+ carriers. If Express isn't the best fit, we'll show you what is.
The Trade-Off
The Honest Trade-Off: What Express Costs You
Simplified-issue term costs more per dollar of coverage than fully underwritten term. That's the trade: you're paying for speed and the ability to skip the exam.
Term Life Express also has a strict decline list. COPD, heart disease, cancer history, and stroke history are automatic declines. A fully underwritten product might still accept the same applicant with a table rating. Express doesn't offer table ratings.
The coverage cap is lower too. Express maxes out at $550,000 for ages 18 to 50 and drops from there. Fully underwritten products from carriers on our panel go up to $10 million.
Common Questions
Frequently Asked Questions
Does Mutual of Omaha Term Life Express require a medical exam?
No. Term Life Express is a simplified-issue product. There's no medical exam, no blood work, and no doctor visit. You answer health questions on the application. The carrier uses those answers plus electronic record checks to make an approval decision.
What is the difference between Term Life Express and Term Life Answers?
Express is simplified issue: no exam, health questions only, faster approval. Answers is fully underwritten: medical exam required, longer process, typically lower premiums per dollar of coverage. Express is designed for speed and convenience. Answers is designed for applicants who want the most coverage per premium dollar and don't mind the exam.
How fast is Term Life Express approval?
Because there's no medical exam, the process is faster than fully underwritten products. Approval timelines depend on the electronic checks the carrier runs. Asurgo's general promise is most applicants have coverage in force within 24 hours.
How much coverage can I get with Term Life Express?
Coverage ranges from $25,000 to $550,000 depending on your age. Ages 18 to 50 can get up to $550,000. Ages 51 to 60 can get up to $450,000. Ages 61 to 75 can get up to $350,000. Term lengths are 10, 15, 20, or 30 years, with maximum issue ages that vary by term length.
Is Term Life Express worth it?
It's worth it if you value speed and no exam over the lowest possible rate. Simplified-issue term costs more per dollar than fully underwritten term. But if you want coverage fast, don't want an exam, and your need is under $550,000, Express fills that gap well.
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 policies regularly, including Term Life Express and Living Promise, and reviews carrier products based on firsthand underwriting experience.
Sources
NAIC Consumer Insurance Search (complaint index data) · AM Best (financial strength rating). Term Life Express product specs are from Mutual of Omaha product materials on file with Asurgo, 2026.