LIFE & HEALTH INSURANCE IN OMAHA, NE

Our team represents multiple carriers offering life & health insurance options, including term life, whole life, and universal life products. Robert Branson, our Life & Health specialist, helps clients compare coverage designed to support income protection, family needs, and long-term financial planning goals.

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Reviews

Auto Insurance✦ Homeowners Insurance✦ Renters Insurance✦ Life & Health Insurance✦ Commercial Property Insurance✦ Commercial General Liability Insurance✦ Business Auto Insurance✦ Workers' Compensation✦

Types of Life & Health Insurance
Services We Offer

Term Life Insurance

Term life insurance pays a tax-free death benefit to your beneficiaries if you pass away within the policy period. Terms are typically 10, 20, or 30 years. Premiums are generally lower than those for permanent life insurance, which makes it a common choice for people with a mortgage or dependents they need to cover during working years.

Permanent Life Insurance

Permanent life insurance covers you for life and accumulates cash value you can borrow against or withdraw while living. We offer four types, each with a different structure for premiums, cash value growth, and flexibility.

Whole Life Insurance

Whole life insurance has fixed premiums, a fixed death benefit, and guaranteed cash value growth. The death benefit passes to beneficiaries tax-free. It suits people who want coverage terms that do not change over time.

Universal Life Insurance

Universal life insurance is permanent coverage with adjustable premiums and a death benefit you can raise or lower over time. It works for people whose income or financial obligations are expected to change.

Variable Life Insurance

Variable life insurance is permanent coverage that lets you allocate the policy's cash value across investment sub-accounts. Returns vary with market performance, so the cash value can grow or decline depending on how those investments perform.

Indexed Universal Life Insurance

Indexed universal life insurance is permanent coverage with adjustable premiums. Cash value growth is tied to a market index, such as the S&P 500, with a floor that limits losses when the index declines. Growth is typically subject to a cap, so returns do not fully mirror index gains.

Why Choose Omaha Insurance Services for Life & Health Insurance

Serving Omaha Since 1995

We have operated as an independent insurance agency in Omaha since 1994, working with individuals, families, and businesses across the area.

Independent Insurance Agency

We are not contracted to any single carrier. We compare options across multiple companies and recommend based on your coverage needs, not on carrier relationships.

Personalized Service

Each client works directly with a licensed Omaha agent from the first conversation through policy selection.

Competitive Pricing

We compare rates across multiple carriers to find competitive pricing for your coverage level and budget.

Proven Track Record

Since 1994, Omaha families and businesses have trusted us to protect what matters most, and our clients stay with us because we deliver on that promise.

At Omaha Insurance Services, we blend innovation with compassion to protect what matters most. We are committed to our clients, our people, and our community, building trust through service, connection, and care.

Why Do You Need Life & Health Insurance in Omaha?

Replace the income your family depends on
Pay off a mortgage or outstanding debts
Cover funeral and burial costs
Pass a tax-free death benefit to your beneficiaries

Backed By 30+
Top Rated Carriers

Access reliable coverage from 30+ trusted insurance carriers serving Omaha residents and businesses.

Customer Reviews

    
 
 
         
   Tim Davlin 
 
 
 
 Trustindex verifies that the original source of the review is Google. “I worked with an Agent by the name of Melody Derry and she was professional, polite, patient, knowledgeable, responsive and friendly in a professional manner. She was the only Insurance Agent that asked all the right questions she needed to get me thorough and timely quotes on my automobiles and home. I would recommend Melody to anyone who would ask me for a name of an Insurance Agent that I trust and would do a great job for them.”
  
 
        
   Aslynn Connolly 
 
 
 
 Trustindex verifies that the original source of the review is Google. If you are looking for a new insurance agent PLEASE talk to Jordan Wells. ever since I started the process, he has been nothing but understanding, helpful and accommodating for me. From the beginning, he discussed all of the options in my many questions with no hesitation. in stressful situations, he has been there to calmly help and give me real solutions. He is always available and always answers calls and texts very promptly. He has seriously been a breath of fresh air for me.
  
 
        
   Kayla Rau 
 
 
 
 Trustindex verifies that the original source of the review is Google. Called in based on the reviews, and it definitely lived up to the hype. Melody is the one to talk to! She mentioned she typically likes to give her account managers a few days for quoting, but she got back to me even faster than expected. She and her team are truly awesome!
  
 
        
   Patrick Savage 
 
 
 
 Trustindex verifies that the original source of the review is Google. Zach has managed my insurance for my business for years and I have never been let down. The absolute best in the business and I can’t recommend them enough!!!
  
 
        
   Sandy Johnson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mary is the best Agent I have ever had. She so good at her job and communication.  Very lucky to have her as my agent.
  
 
        
   Doug Finley 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mary Lamb (my agent) has been the most professional and diligent agent I have ever had. She is responsive at all times and has always been very easy to talk with and get a hold of too. If you ever want a trustworthy and competent agent, she will definitely fit that bill.
  
 
        
   Rose Moore (Anderson US) 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mary - As always exceptional, professional, and you KNOW your stuff!  You are awesome!
  
 
        
   Lori Sofio 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mary is the Absolute Best I have ever done Insurance Services with! She is always so professional and friendly! She is the very Reason I have, and continue to do Business with Omaha Insurance Services!!
  
 
        
   John Winkler 
 
 
 
 Trustindex verifies that the original source of the review is Google. My family utilizes Omaha Insurance Services for all of our home, auto, boat and recreational vehicles insurance needs.  Customer service is unparalleled and they are uber responsive to any communication.  Mary is the absolute best!!!!!

Questions,
Answered.

Everything Omaha clients ask most — in plain English. If you don’t see yours, our agents are a phone call away.

How much life insurance do you need in Omaha?

Coverage needs vary based on income, outstanding debts, mortgage balance, number of dependents, and anticipated final expenses. An OIS agent can review your situation and recommend a specific coverage amount.

Do I need to take a medical exam to get life insurance in Omaha?

Not always. Many policies are available with simplified or guaranteed-issue underwriting that requires only a short health questionnaire.

How Much Does Life Insurance Cost in Omaha, NE?

Cost depends on age, health, policy type, and coverage amount. An OIS agent can run a free quote comparison across multiple carriers based on your specific details.

Does my credit score affect my life insurance premium in Nebraska?

In most cases, no. Life insurance underwriting in Nebraska is primarily based on age, health history, and tobacco use.

Can I have more than one life insurance policy?

Yes. Nebraska residents can hold multiple life insurance policies with one or more carriers simultaneously, provided the total coverage is financially justified relative to their income.

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Plan Ahead With
Life & Health Coverage

Explore life & health insurance options designed to support your family, income protection, and long-term financial goals.

LIFE & HEALTH INSURANCE IN OMAHA, NE