Mutual of Omaha
Public-record file on Mutual of Omaha's long-term care insurance business. Four grounded metrics, every figure linked to source. Updated quarterly.
- NAIC #71412 — Mutual of Omaha Insurance Company
1. NAIC Complaint Index
NOT LOCATED
Mutual of Omaha is a mutual holding company; complaint data may be filed under multiple subsidiary NAIC codes (United of Omaha, etc.). We did not locate a single comparable LTC-line national complaint index in public sources during this research cycle.
2. Sales status
One of the few major carriers still actively writing new standalone individual LTC policies as of 2026. Announced expansion of retail LTC planning product business through a newly formed Health and Annuity Solutions unit in April 2026.
HYBRID PRODUCT OFFERED
Long-Term Care Rider available on Income Advantage IUL and Life Protection Advantage IUL; Mutual of Omaha Hybrid Living Care Annuity.
Source: ThinkAdvisor (2026-04-02); Mutual of Omaha product literature
3. Rate-hike history
| State | Year | Approved | Affected | Context & source |
|---|---|---|---|---|
| Pennsylvania | 2022 | 74% (LTC04I), 98% (LTC04I7), 72% (LTC09M) | — | Pennsylvania Department of Insurance approved series-specific average increases on three policy forms, effective for renewals on and after July 7, 2022. Source: Pennsylvania Department of Insurance Long-Term Care Insurance Rate Decision Summary (2022-07-07); SERFF Tracking #: MUTA-132676717 |
| Multiple | 2025 | — | — | As of April 2025, Mutual of Omaha was requesting a nationwide average increase of 32.8% (range 1% to 50.3%) for its LTC13 'pre-rate refresh' policies, with a 38% per-customer-per-year cap, subject to state approval. In-force rate adjustments were announced for AK, HI, MA, NE, NJ, PA, SC, VA, WY (effective August 1, 2025). Source: Mutual of Omaha 'LTC13 Pre-Rate Refresh Increase Information' (2025-04-04, 2025-02-25); Mutual of Omaha 'Inforce LTCi Rate Adjustments' (2025-05-29) |
| Arkansas, Minnesota, Washington | 2026 | — | — | In-force rate adjustments for LTC13 Pre policies announced for AR effective April 1, 2026; MN and WA effective July 1, 2026. Source: Mutual of Omaha 'Inforce LTCi Rate Adjustments Impacting AR' (2026-01-21); Mutual of Omaha 'Inforce LTCi Rate Adjustments Impacting MN and WA' (2026-04-24) |
4. Block size
NOT DISCLOSED
NOT DISCLOSED at the LTC line level. Mutual of Omaha (corporate) reported approximately 6.7 million policies in force across all lines as of April 2026.
Source: ThinkAdvisor (2026-04-02)
Related coverage on Mutual of Omaha
Mutual of Omaha's LTC Rate-Filing Posture: The Active-Carrier Story
What an active-carrier rate trajectory looks like vs. closed-block carriers.
METRICS DELIBERATELY OMITTED
Claims-paid ratio, denial rate, average elimination period, and lawsuit count are not on this page because they are not reportable per-carrier from public sources. See the Carrier File methodology for the full omission explanation.