Home › Insurance › Term life insurers › Protective vs Mutual of Omaha
Here's how Protective and Mutual of Omaha term life compare on facts from their own pages. We don't provide quotes.
| Protective | Mutual of Omaha | |
|---|---|---|
| Term options | Classic Choice Term: 10, 15, 20, 25, 30, 35 or 40 years | 10, 15, 20 or 30 years; benefit $100,000 and up |
| Longest term | 40 years | 30 years |
| Issue ages | Not found on the insurer's page | Issue ages 18–80 (varies by term) |
| How to apply | Yes, online or by phone | Online quote or agent |
| Convert to permanent? | Yes; an optional Conversion Choice rider (not in CA or NY) lets you convert without underwriting, up to 2 years before the term ends | Yes, to a cash value plan |
| Complaints (California 2025, life) | 1.7 per 100,000 policies (3 justified complaints; Protective Life Insurance Company) | 0.9 per 100,000 policies (2 justified complaints; United of Omaha Life Insurance Company) |
| Quotes | We don't sell insurance or give quotes | We don't sell insurance or give quotes |
Sources: Protective Classic Choice Term page (checked 2026-10-12) · Mutual of Omaha term life page (checked 2026-10-12)
More on Protective · More on Mutual of Omaha · All term life insurers
Term options: Protective Classic Choice Term: 10, 15, 20, 25, 30, 35 or 40 years, Mutual of Omaha 10, 15, 20 or 30 years; benefit $100,000 and up; Longest term: Protective 40 years, Mutual of Omaha 30 years; Issue ages: Protective Not found on the insurer's page, Mutual of Omaha Issue ages 18–80 (varies by term); How to apply: Protective Yes, online or by phone, Mutual of Omaha Online quote or agent; Convert to permanent?: Protective Yes; an optional Conversion Choice rider (not in CA or NY) lets you convert without underwriting, up to 2 years before the term ends, Mutual of Omaha Yes, to a cash value plan; Complaints (California 2025, life): Protective 1.7 per 100,000 policies (3 justified complaints; Protective Life Insurance Company), Mutual of Omaha 0.9 per 100,000 policies (2 justified complaints; United of Omaha Life Insurance Company); Quotes: Protective We don't sell insurance or give quotes, Mutual of Omaha We don't sell insurance or give quotes.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.