Mutual of Omaha Insurance Company vs Ameritas Life
Comprehensive side-by-side comparison of indexed universal life insurance companies
Mutual of Omaha Insurance Company
Founded: 1909
Omaha, Nebraska
Assets
$42 billion (Fortune 500)
IUL Experience
15+ years
Products
3
Avg Cap Rate
10%
Key Strengths
12% cap rates (among highest in industry)
Industry-leading policy structure for cash value growth
Streamlined fees during 0% floor years
Fortune 500 company
116+ years of history
Ameritas Life
Founded: 1887
Lincoln, Nebraska
Assets
$20 billion
IUL Experience
3+ years
Products
4
Avg Cap Rate
9.5%
Key Strengths
Offers 4+ IUL products
Growth IUL, FLX IUL, Ethos IUL (partnership)
Instant underwriting (launched Sept 2023 with Ethos)
Detailed Feature Comparison
| Feature | Mutual of Omaha Insurance Company | Ameritas Life |
|---|---|---|
| Founded | 1909 | 1887 |
| Headquarters | Omaha, Nebraska | Lincoln, Nebraska |
| Assets Under Management | $42 billion (Fortune 500) | $20 billion |
| Years in IUL Business | 15+ years | 3+ years |
| Number of IUL Products | 3 | 4 |
| Typical Cap Rate Range | 7% - 12% | 8% - 11% |
| Participation Rates | 100% | 115% |
| Minimum Premium | $100,000 (IUL Express Easy Solve option) | $3,600 annual |
| Issue Ages | 0-85 years | 0-85 years |
| Underwriting Speed | 2-3 weeks standard | Instant to 3 weeks |