Mutual of Omaha Review (2026)

The short version

Accepts applicants older than many competitors. On our long-term care insurance comparison, it's labeled Best for older applicants.

Key facts

What stands out

• Accepts applicants up to age 79
• Benefit periods of 2 to 5 years
• Discounts for couples who apply together

Pros and cons

How Mutual of Omaha compares

Head-to-head comparisons

• Mutual of Omaha vs New York Life
• Mutual of Omaha vs Nationwide

Alternatives to consider

• New York Life review · Best hybrid life + LTC
• Nationwide review · Best for linked benefits

What to check before you sign up

Whichever long-term care insurance provider you choose, compare these points:

• Daily or monthly benefit. The maximum the policy pays per day or month of care. Compare it with care costs where you live.
• Elimination period. The waiting period before benefits start, often 30 to 90 days. Longer periods lower premiums.
• Inflation protection. Care costs rise over time. An inflation rider helps the benefit keep pace.
• Traditional vs. hybrid. Hybrid life/LTC policies pay a death benefit if care is never needed, but cost more upfront.