Be very cautious before doing business with Mutual of Omaha. It is impossible to get someone on the phone. They are not helpful. Even the application process is painful. After they failed to pay the policy on my friend's father for 18 months and they had to get an attorney, I bailed. Be very careful, have an attorney review any policy you get with them, and be prepared to fight if you need anything from them. I am very disappointed in their process and customer service and I cannot in good faith recommend them to anyone.