--- title: Mutual of Omaha vs Transamerica — Final Expense Insurance Compared description: Mutual of Omaha vs Transamerica final expense insurance — side-by-side comparison of plans, pricing, riders, and which is better for you. image: https://trianglelifeandhealth.com/hs-fs/hubfs/AI-Generated%20Media/FE-Blog-Images-v2/fe-v2-tlh-mutual-of-omaha-vs-transamerica-final-expense.png?width=1100&name=fe-v2-tlh-mutual-of-omaha-vs-transamerica-final-expense.png --- [Skip to the main content.](https://trianglelifeandhealth.com/blog/tlh-mutual-of-omaha-vs-transamerica-final-expense#main-content) Tel: [919-689-6565](tel:+19196896565) M - F 8-5PM EST [![Triangle-Life-Health-Final\_R](https://trianglelifeandhealth.com/hs-fs/hubfs/Triangle-Life-Health-Final_R.png?width=250&height=110&name=Triangle-Life-Health-Final_R.png "Triangle-Life-Health-Final_R")](https://trianglelifeandhealth.com) [![Triangle-Life-Health-Final\_R](https://trianglelifeandhealth.com/hs-fs/hubfs/Triangle-Life-Health-Final_R.png?width=250&height=110&name=Triangle-Life-Health-Final_R.png "Triangle-Life-Health-Final_R")](https://trianglelifeandhealth.com) - 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[Short-Term Medical Insurance](https://trianglelifeandhealth.com/short-term-medical-insurance) - [Supplemental Coverage (with examples)](https://seniorbenefitshub.com/supplemental-coverage/) - [Contact](https://trianglelifeandhealth.com/contact-us) [Facebook](https://trianglelifeandhealth.com/blog/tlh-mutual-of-omaha-vs-transamerica-final-expense#0) [Linkedin](https://trianglelifeandhealth.com/blog/tlh-mutual-of-omaha-vs-transamerica-final-expense#0) 2 min read # Mutual of Omaha vs Transamerica — Final Expense Insurance Compared [![Picture of Michael Cubell](https://app.hubspot.com/settings/avatar/764270f478f560bbba934634d23eb846) Michael Cubell](https://trianglelifeandhealth.com/blog/author/michael-cubell) : Jun 20, 2026, 10:20:52 AM ![Mutual of Omaha vs Transamerica — Final Expense Insurance Compared](https://trianglelifeandhealth.com/hs-fs/hubfs/AI-Generated%20Media/FE-Blog-Images-v2/fe-v2-tlh-mutual-of-omaha-vs-transamerica-final-expense.png?width=1100&name=fe-v2-tlh-mutual-of-omaha-vs-transamerica-final-expense.png) If you're shopping for final expense insurance, Mutual of Omaha and Transamerica are two of the most popular options you'll come across — and for good reason. Both are A-rated carriers with solid products, but there are some real differences that matter when it comes to your wallet and your coverage. I've placed policies with both companies and I'll break down exactly how they compare so you can make the right call. ## Side-by-Side Comparison | Feature | Mutual of Omaha (Living Promise) | Transamerica (FE Solutions) | | --- | --- | --- | | **Level Plan Ages** | 45 – 85 | 0 – 85 (Immediate) / 18 – 85 (Express) | | **Max Coverage** | $40,000 | $50,000 | | **Min Coverage** | $2,000 | $1,000 (Immediate) / $5,000 (Express) | | **Medical Exam** | No | No | | **Day-One Coverage** | Yes (Level plan) | Yes (Immediate & Express) | | **Graded Plan Ages** | 45 – 80 | 18 – 80 (Easy Solution) | | **Graded Benefit (Years 1–2)** | Premiums + 10% | Year 1: 30%, Year 2: 70% | | **10-Pay Option** | ❌ Not available | ✅ Available | | **Digital Application** | iGo e-App | 100% digital (Express) | | **Approval Speed** | 24–48 hours typically | As fast as 10 minutes (Express) | | **Children's Rider** | ❌ Not available | ✅ Up to 9 kids/grandkids | | **Nursing Home Benefit** | ✅ Free on Level plan | ✅ Free on Immediate & 10-Pay | | **Concierge Planning** | ❌ | ✅ Free on Express | | **Policy Fee** | $36/year | Built into premium | | **Pricing** | Generally lower | Slightly higher | | **Company Rating** | A+ (AM Best) | A (AM Best) | | **Expedited Claims** | Standard process | Up to $25K expedited | ## Where Mutual of Omaha Wins - 💰 **Lower premiums** — Mutual of Omaha consistently comes in at or near the lowest rates in the market for final expense - 🏛️ **Longer track record** — founded in 1909, over 115 years in business - 🩺 **More generous underwriting** — they accept many conditions that other carriers won't, keeping more people on the preferred Level plan - 💵 **Better graded plan terms** — Mutual of Omaha pays premiums + 10% during the waiting period; Transamerica's Easy Solution pays only 30% in year 1 and 70% in year 2 ## Where Transamerica Wins - ⚡ **Fastest approval** — FE Express can get you a policy in 10 minutes - 📅 **10-Pay option** — pay it off in 10 years and you're covered for life with no more premiums - 👶 **Children's/Grandchildren's Rider** — cover up to 9 kids on the same policy - 📋 **Higher max coverage** — $50,000 vs Mutual of Omaha's $40,000 - 🏥 **Expedited claims up to $25,000** — faster access to funds for funeral expenses - 🎯 **Concierge Planning Rider** — free help with funeral planning, legal documents, and estate planning ## My Recommendation For most people, **Mutual of Omaha is the better value**. The lower premiums add up to significant savings over the life of the policy, and their underwriting tends to be more forgiving. If you qualify for the Level plan, it's hard to beat Living Promise. However, **Transamerica is the better choice if**: - You want a 10-Pay option to own your policy outright - You need more than $40,000 in coverage - You want to add children/grandchildren to your policy - Speed of approval is your top priority The best approach? Let me compare both carriers side-by-side for your specific age and health. The "winner" can vary depending on your individual situation. 👉 **[Get Your Free Side-by-Side Comparison](https://trianglelifeandhealth.com/calendar)** or call (919) 944-8443. - [Tweet](https://twitter.com/share) [![Final Expense Insurance in Silver Spring, MD — Free Application, No Obligation](https://trianglelifeandhealth.com/hs-fs/hubfs/AI-Generated%20Media/FE-Blog-Images-v2/fe-v2-final-expense-insurance-silver-spring-md.png?width=1100&name=fe-v2-final-expense-insurance-silver-spring-md.png)](https://trianglelifeandhealth.com/blog/final-expense-insurance-silver-spring-md) #### [Final Expense Insurance in Silver Spring, MD — Free Application, No Obligation](https://trianglelifeandhealth.com/blog/final-expense-insurance-silver-spring-md) [![Picture of Michael Cubell](https://app.hubspot.com/settings/avatar/764270f478f560bbba934634d23eb846) Michael Cubell](https://trianglelifeandhealth.com/blog/author/michael-cubell) : Jul 14, 2026, 12:48:15 AM Final expense insurance in Silver Spring, MD. No medical exam, no obligation. Licensed independent agent serving Montgomery County. Average funeral... [Read More](https://trianglelifeandhealth.com/blog/final-expense-insurance-silver-spring-md) [![The Ultimate Guide to Final Expense Insurance for Seniors](https://trianglelifeandhealth.com/hs-fs/hubfs/AI-Generated%20Media/FE-Blog-Images-v2/fe-v2-the-ultimate-guide-to-final-expense-insurance-for-seniors.png?width=1100&name=fe-v2-the-ultimate-guide-to-final-expense-insurance-for-seniors.png)](https://trianglelifeandhealth.com/blog/the-ultimate-guide-to-final-expense-insurance-for-seniors) #### [The Ultimate Guide to Final Expense Insurance for Seniors](https://trianglelifeandhealth.com/blog/the-ultimate-guide-to-final-expense-insurance-for-seniors) [![Picture of Michael Cubell](https://app.hubspot.com/settings/avatar/764270f478f560bbba934634d23eb846) Michael Cubell](https://trianglelifeandhealth.com/blog/author/michael-cubell) : Jan 25, 2024, 9:19:10 AM What final expense insurance costs for seniors in 2026, how much coverage you need, and how simplified vs guaranteed issue policies compare. [Final Expense Life Insurance](https://trianglelifeandhealth.com/blog/tag/final-expense-life-insurance) [Read More](https://trianglelifeandhealth.com/blog/the-ultimate-guide-to-final-expense-insurance-for-seniors) [![Turning 65 in North Carolina: Your Medicare Checklist](https://trianglelifeandhealth.com/hs-fs/hubfs/seniors-6.png?width=1100&name=seniors-6.png)](https://trianglelifeandhealth.com/blog/turning-65-in-north-carolina-medicare-checklist) #### [Turning 65 in North Carolina: Your Medicare Checklist](https://trianglelifeandhealth.com/blog/turning-65-in-north-carolina-medicare-checklist) [![Picture of Michael Cubell](https://app.hubspot.com/settings/avatar/764270f478f560bbba934634d23eb846) Michael Cubell](https://trianglelifeandhealth.com/blog/author/michael-cubell) : Oct 3, 2026, 7:57:15 PM Turning 65 in North Carolina? A month-by-month Medicare checklist: when to sign up, Parts A and B, Medigap vs Medicare Advantage, employer coverage,... 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Please contact Medicare.gov or 1–800 MEDICARE (24 hours a day/7 days a week) to get information on all of your options. Not affiliated with the U.S. government or federal Medicare program. This is a solicitation for Insurance. Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. Triangle Life and Health is an independent authorized agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (Blue Cross NC). The content contained in this site is maintained by Triangle Life and Health. Blue Cross NC is an independent licensee of the Blue Cross and Blue Shield Association®, SM Registered marks of the Blue Cross and Blue Shield Association. **Website Information Disclaimer:** We make reasonable efforts to keep the information on this website accurate and up to date, but errors or omissions may occur. Information may change without notice. Please contact us to confirm details before relying on them. Any quote is an estimate, and coverage, eligibility, and premiums are subject to the insurance company’s review and the terms of the policy. The policy documents control the actual coverage. ###### Triangle Life and Health is licensed in the following states:  AR LIC #3001749169 | AZ LIC #3000715968 | CT LIC #3004383862 | FL LIC #L110099 | GA LIC #216953 | LA LIC #1045542 | MD LIC #3000702723 | MO LIC #3001760254 | MT LIC #3004369750 | NC LIC #1000466684 | OH LIC #1315974 | SC LIC #3000934918 | TN LIC #3001749153 | TX LIC #2564289 | VA LIC #149038 [![Triangle-Life-and-Health-R\_280x8](https://trianglelifeandhealth.com/hubfs/Triangle-Life-and-Health-R_280x8.png)](https://trianglelifeandhealth.com/) © 2026 Triangle Life and Health Return to top ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Michael Cubell", "url" : "https://trianglelifeandhealth.com/blog/author/michael-cubell" }, "dateModified" : "2026-06-20T14:20:52.527Z", "datePublished" : "2026-06-20T14:20:52.000Z", "headline" : "Mutual of Omaha vs Transamerica — Final Expense Insurance Compared", "image" : [ "https://trianglelifeandhealth.com/hs-fs/hubfs/AI-Generated%20Media/FE-Blog-Images-v2/fe-v2-tlh-mutual-of-omaha-vs-transamerica-final-expense.png?width=1100&name=fe-v2-tlh-mutual-of-omaha-vs-transamerica-final-expense.png" ], "mainEntityOfPage" : { "@id" : "https://trianglelifeandhealth.com/blog/tlh-mutual-of-omaha-vs-transamerica-final-expense", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://trianglelifeandhealth.com/hubfs/Triangle-Life-Health-Final_R.png" } } } ``` ```json { "@context" : "https://schema.org", "@type" : "Article", "author" : { "@type" : "Person", "name" : "Michael Cubell" }, "headline" : "Mutual of Omaha vs Transamerica — Final Expense Insurance Compared", "publisher" : { "@type" : "Organization", "name" : "Triangle Life & Health" } } ```