Central States Health and Life Co. Of Omaha Review (2024)

Central States Health and Life Co. of Omaha leads the insurance landscape with its comprehensive coverage options, financial security, and commitment to tailored protection for individuals and families.

UPDATED: Jun 14, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jun 14, 2024Fact Checked
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Central States Health and Life Co. of Omaha

Average monthly rate for healthy individuals:

$67

A.M. Best rating:

A+

Complaint level:

Low

Pros

  • Comprehensive Range of Insurance Options
  • Customizable Coverage Plans
  • Extensive Network of Healthcare Providers
  • Strong Financial Security
  • Positive Customer Reviews

Cons

  • Limited Availability in Some Regions
  • Premiums May Vary Depending on Coverage Options Chosen
  • Additional Fees for Customization

In the realm of safeguarding futures, Central States Health and Life Co. of Omaha stands as an unwavering partner, offering a comprehensive array of insurance solutions that extend beyond conventional policies.

From health and life insurance to critical illness and disability coverage, the company’s commitment is rooted in customizability and accessibility, ensuring tailored protection for individuals and families. With an A+ rating from A.M. Best and a low complaint level, Central States Health and Life Co. of Omaha is a beacon of reliability.

Their dedication to financial security, extensive network of healthcare providers, and positive customer reviews highlight their exceptional offerings. As a steadfast companion in securing tomorrow, the company’s legacy of trust resonates through its commitment to comprehensive coverage, setting it apart in the competitive landscape of insurance providers.

Central States Health and Life Co. of Omaha Insurance Coverage Options

Central States Health and Life Co. of Omaha offers a diverse range of coverage options to ensure that you’re equipped to handle life’s uncertainties. Their insurance solutions encompass:

  • Health Insurance: Comprehensive plans designed to safeguard your health and well-being, providing access to quality medical care and services.
  • Life Insurance: Protection for your loved ones’ financial future in the event of your passing, ensuring their security and stability.
  • Critical Illness Insurance: Coverage that alleviates the financial burden associated with critical illnesses, enabling you to focus on recovery rather than finances.
  • Disability Insurance: Safeguarding your income and financial stability in the event of a disability that prevents you from working.

Each of these coverage options is tailored to meet the unique needs and circumstances of individuals and families, reflecting Central States Health and Life Co. of Omaha’s commitment to comprehensive protection.

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Central States Health and Life Co. of Omaha Insurance Rates Breakdown

Driver ProfileCentral States Health and Life Co.National Average
Clean Record$133$119
1+ Ticket$142$147
1+ Accident$167$173
DUI$271$209
Poor Credit$229$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Central States Health and Life Co. of Omaha Discounts Available

DiscountsCentral States Health and Life Co.
Anti Theft13%
Good Student15%
Low Mileage11%
Paperless10%
Safe Driver14%
Senior Driver10%

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Central States Health and Life Co. of Omaha values its policyholders and offers a range of discounts to make insurance coverage even more accessible. These discounts include:

  • Multi-policy Discount: Save when you bundle multiple insurance policies, such as health and life insurance, with Central States Health and Life Co. of Omaha.
  • Healthy Lifestyle Discount: Enjoy savings if you maintain a healthy lifestyle, as demonstrated by regular exercise and positive health habits.
  • Safe Driving Discount: If you hold a clean driving record, you can benefit from reduced rates on applicable insurance policies.
  • Family Plan Discount: Protect your entire family under one comprehensive plan and receive a discounted rate for multiple family members.
  • Payment Options Discount: Opt for convenient premium payment options, like annual or semi-annual payments, to unlock additional savings.

Central States Health and Life Co. of Omaha’s commitment to affordability and accessibility is exemplified through these discounts, ensuring that you can secure the coverage you need without straining your budget.

How Central States Health and Life Co. of Omaha Ranks Among Providers

Central States Health and Life Co. of Omaha operates in a competitive landscape where several prominent players vie for the attention of insurance seekers. Some of its main competitors include:

  • Blue Cross Blue Shield: A well-known provider with a wide network of healthcare professionals and a comprehensive range of health insurance plans.
  • Metlife: Renowned for its diverse insurance offerings, Metlife provides life, health, and disability insurance solutions with a strong emphasis on customer service.
  • Prudential Financial: A major player in the insurance industry, Prudential offers a range of life and health insurance products, often distinguished by flexible policy options.
  • Aetna: Recognized for its extensive health insurance plans, Aetna is known for its commitment to promoting health and wellness among policyholders.
  • Cigna: With a focus on global health services, Cigna offers a variety of insurance products and services, including health and life insurance.
  • New York Life: A prominent life insurance provider, New York Life is known for its stability and strong financial ratings, appealing to those seeking long-term security.
  • Allstate: Well-established in the insurance realm, Allstate offers a range of coverage options, including life and health insurance, alongside its renowned auto and home insurance offerings.

Central States Health and Life Co. of Omaha distinguishes itself through its commitment to comprehensive coverage and personalized plans. By understanding its competitors, potential policyholders can make informed decisions about the insurance provider that best aligns with their needs and preferences.

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Simplified Claim Process at Central States Health and Life Co. of Omaha

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Central States Health and Life Co. of Omaha prioritizes convenience for its policyholders when it comes to filing insurance claims. They offer multiple avenues for submitting claims, making them accessible to a wide range of customers.

Whether you prefer the simplicity of online submissions, the ease of filing over the phone, or the convenience of their mobile app, Central States Health and Life Co. of Omaha ensures that you can initiate the claims process in a way that suits your preferences. This flexibility in claim filing aligns with their commitment to providing a seamless experience for their customers.

Average Claim Processing Time

When it comes to the speed of claim processing, Central States Health and Life Co. of Omaha is dedicated to delivering prompt resolutions. While specific processing times may vary depending on the nature of the claim, the company strives to process claims efficiently and effectively.

They understand that during challenging times, such as health-related emergencies, quick claim settlements are crucial. Central States Health and Life Co. of Omaha’s commitment to minimizing claim processing time is a testament to their customer-centric approach.

Customer Feedback on Claim Resolutions and Payouts

Central States Health and Life Co. of Omaha places great importance on customer satisfaction with their claim resolutions and payouts. They value feedback from their policyholders as it helps them continuously improve their services.

With a track record of satisfied customers, the company has garnered positive feedback for its fair and timely claim resolutions. Customer testimonials and reviews reflect the company’s commitment to providing peace of mind to policyholders during critical moments in their lives.

Discover the Digital and Technological Features Offered by Central States Health and Life Co. of Omaha

Mobile App Features and Functionality

Central States Health and Life Co. of Omaha’s mobile app is designed to enhance the overall insurance experience for its customers. The app offers a range of features and functionalities that provide policyholders with easy access to their insurance information. From viewing policy details to filing claims and even managing payments, the mobile app simplifies the insurance process.

Additionally, it offers features like policy document storage and digital ID cards, making it a valuable tool for policyholders on the go.

Online Account Management Capabilities

For policyholders who prefer managing their insurance accounts online, Central States Health and Life Co. of Omaha offers robust online account management capabilities. Through their secure online portal, customers can access and update their policy information, review billing statements, and track claims.

The user-friendly interface ensures that policyholders can navigate their accounts with ease, providing them with greater control and transparency over their insurance coverage.

Digital Tools and Resources

Central States Health and Life Co. of Omaha understands the importance of providing digital tools and resources to assist their policyholders in making informed decisions. They offer a wealth of online resources, including informative articles, calculators, and educational materials, to help customers better understand their insurance options.

These digital resources empower policyholders to make confident choices when it comes to their health, life, critical illness, and disability coverage.

Frequently Asked Questions

What types of insurance does Central States Health and Life Co. of Omaha offer?

Central States Health and Life Co. of Omaha offers health insurance, life insurance, critical illness insurance, and disability insurance.

Can I customize my insurance coverage with Central States Health and Life Co. of Omaha?

Yes, the company offers customizable coverage options tailored to your unique needs and circumstances.

How can I qualify for discounts with Central States Health and Life Co. of Omaha?

The company offers discounts for bundling policies, maintaining a healthy lifestyle, safe driving, family plans, and specific payment options.

What sets Central States Health and Life Co. of Omaha apart from its competitors?

The company’s focus on comprehensive coverage, strong financial security, and positive customer reviews make it stand out in the insurance landscape.

How do I start the application process with Central States Health and Life Co. of Omaha?

Get started by reaching out to their experts who will guide you through assessing your insurance needs and customizing your coverage.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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