Mutual of Omaha
A large, well-known mutual insurance and financial-services company headquartered in Omaha, Nebraska - with more than a century of history and a broad protection and retirement platform - issuing annuities through United of Omaha Life Insurance Company.
Financial strength
A+
AM Best
A+
S&P Global
A1
Moody's
A+ rated
Mutual of Omaha and United of Omaha carry A+ from AM Best and S&P, with A1 from Moody's.
Mutual company
A mutual insurer owned by and operated for the benefit of policyholders rather than public shareholders.
Omaha, NE
Headquartered in Omaha, Nebraska.
Century+ legacy
More than a century of operating history across health, life, annuity, and retirement products.
Recognizable brand
One of the most recognizable U.S. insurance brands, supported by its Wild Kingdom legacy.
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Growth FIAs
Selected product: Ultra Advantage
An accumulation-focused fixed indexed annuity group with index-linked crediting and, for some versions, premium-bonus designs.
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Explore Mutual of Omaha products
Mutual of Omaha’s lineup, grouped by what each product group is built to do. Current rates come from CANNEX via AdvisorWorld and are checked daily.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with caps, participation rates, and fixed-account options surfaced from live product data.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages carry current rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before opening a product page for the full live strategy set.
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-07-16. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
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Find your fit
Start with the job for the money, then open the live Mutual of Omaha product page that matches that goal.
Company overview
What Mutual of Omaha is
Mutual of Omaha is a mutual insurance and financial-services company headquartered in Omaha, Nebraska, offering life insurance, Medicare Supplement insurance, annuities, retirement products, employer-based benefits, investment services, and financial planning resources.
June 2026 · AnnuityRatesHQ carrier research, June 2026
For more than a century, Mutual of Omaha has been one of the most recognizable U.S. insurance brands, supported by its long history, mutual ownership structure, and Wild Kingdom brand legacy. Its annuity business benefits from the company's brand reputation and financial strength.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Among Mutual of Omaha's annuity families are Ultra Advantage, Ultra Premier, and Ultra Secure Plus.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Structure
Mutual
A policyholder-owned mutual insurance company.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Headquarters
Omaha, NE
Headquartered in Omaha, Nebraska.
June 2026 · AnnuityRatesHQ carrier research, June 2026
History
Century+
More than a century of operating history.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Issuing company
United of Omaha
United of Omaha Life Insurance Company issues the group's annuities.
June 2026 · AnnuityRatesHQ carrier research, June 2026
History highlights
Mutual of Omaha has one of the longest operating histories among U.S. insurance companies, with roots in health, accident, life, pension, and annuity products.
June 2026 · AnnuityRatesHQ carrier research, June 2026
United Benefit Life Insurance Company was incorporated to provide life insurance, pension, and annuity products within the group.
June 2026 · AnnuityRatesHQ carrier research, June 2026
The company's broad and durable foundation spans protection and retirement product lines built over more than a century.
June 2026 · AnnuityRatesHQ carrier research, June 2026
A policyholder-owned mutual
Mutual of Omaha is a mutual insurance company. Unlike publicly traded insurers, a mutual company is not owned by public shareholders and is generally structured to operate for the benefit of policyholders.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Because Mutual of Omaha is not publicly traded, it does not face the same quarterly shareholder pressure as publicly owned insurers, supporting a long-term, policyholder-focused approach.
June 2026 · AnnuityRatesHQ carrier research, June 2026
United of Omaha Life Insurance Company issues the group's health, life, annuity, and retirement products.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Financial strength
AM Best
A+
Superior financial-strength rating published by the carrier; the current live check does not provide a rating for this carrier.
June 2026
AnnuityRatesHQ carrier research, June 2026
S&P Global
A+
Strong financial-strength rating.
June 2026
AnnuityRatesHQ carrier research, June 2026
Moody's
A1
Good financial-strength rating.
June 2026
AnnuityRatesHQ carrier research, June 2026
What makes Mutual of Omaha different
Recognizable mutual brand
Mutual of Omaha pairs one of the most recognizable U.S. insurance brands with a policyholder-owned mutual structure and broad protection and retirement platform.
June 2026 · AnnuityRatesHQ carrier research, June 2026
High financial-strength ratings
Mutual of Omaha and United of Omaha hold A+ from AM Best and S&P and A1 from Moody's, reflecting strong claims-paying ability.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Compact Ultra annuity lineup
The current annuity lineup is compact - an accumulation-focused Ultra Advantage FIA plus two fixed-rate Ultra MYGAs - issued through United of Omaha.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Liquidity-friendly MYGAs
The Ultra MYGAs pair guarantee terms with generous annual free-withdrawal allowances, with Ultra Secure Plus positioned as the softer-schedule sibling of Ultra Premier.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
About Mutual of Omaha
Mutual of Omaha, headquartered in Omaha, Nebraska, is a policyholder-owned mutual insurer with more than a century of history and a broad protection and retirement platform, issuing annuities through United of Omaha Life Insurance Company.
June 2026 · AnnuityRatesHQ carrier research, June 2026
The company is a highly respected, financially strong insurer offering fixed annuities, MYGAs, and immediate annuities designed for guaranteed income, principal protection, and tax-deferred growth.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Mutual of Omaha's United of Omaha lineup combines the Ultra Advantage FIA with Ultra Premier and Ultra Secure Plus fixed-rate annuities.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Free Comparison Report
Get Mutual of Omaha's current rate report
Compare Mutual of Omaha's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Mutual of Omaha website — 2026-06-20
- AnnuityRatesHQ carrier research, June 2026 — June 2026
- Live product catalog, rates, riders, and strategy metrics: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026