Where and how to send a Mutual of Omaha payment

Mutual of Omaha accepts payments through several channels: online through your account portal, by phone, by mail, or through automatic bank withdrawals. The method you choose depends on how quickly you need the payment processed and whether you want to set up recurring payments.

Online payments are processed the same business day if submitted before the payment important date. Phone payments also process when ready. Mail payments take 7 to 10 business days to reach Mutual of Omaha's processing center, so you should mail your check well before your due date to avoid a late payment. Automatic bank withdrawals (also called electronic funds transfer) pull money from your checking or savings account on the date you specify.

Key Takeaways

  • Online payments through your Mutual of Omaha account portal process the same business day if submitted before the important date.
  • Phone payments are processed when ready and require your policy number and payment amount.
  • Mail payments take 7 to 10 business days, so send them at least two weeks before your due date to avoid late fees.
  • Automatic bank withdrawals let you schedule recurring payments so you never miss a due date.
  • Late payments may result in a grace period (typically 30 days) before coverage is canceled, depending on your policy type.

Paying online through your account

To pay online, log into your Mutual of Omaha account at mutualofomahainsurance.com or through the mobile app. Once logged in, navigate to the "Payments" or "Billing" section. You will see your current balance, due date, and an option to make a one-time payment.

Enter the amount you want to pay and choose your payment method: debit card, credit card, or bank account. The system will confirm the payment amount and processing date before you submit. Online payments are typically processed the same business day if submitted before 11:59 p.m. in your time zone. You will receive a confirmation number when ready and a receipt by email.

Paying by phone

Call Mutual of Omaha's customer service line at 1-800-228-9100 to make a payment over the phone. Have your policy number and the amount you want to pay ready. A representative will process the payment using your debit card, credit card, or bank account information.

Phone payments are processed when ready and you will receive a confirmation number at the end of the call. Keep this number for your records. Phone lines are open Monday through Friday, 8 a.m. to 6 p.m. Central Time, and Saturday 9 a.m. to 1 p.m. Central Time. Hours may vary by holiday.

Paying by mail

Write a check or money order payable to Mutual of Omaha. Include your policy number on the check. Mail it to the address shown on your bill or policy documents. Do not send cash.

Mail payments take 7 to 10 business days to arrive and be processed. To may support your payment reaches Mutual of Omaha before your due date, mail it at least two weeks in advance. If you are paying close to the important date, use online or phone payment instead to avoid late fees.

Setting up automatic payments

Automatic payments withdraw money from your bank account on a date you choose each month or billing cycle. To set this up, log into your online account and go to the "Payments" or "Billing" section. Look for an option to "Set up automatic payment" or "Enroll in autopay." You will need to provide your bank account number and routing number.

Once enrolled, the payment will be deducted automatically on your chosen date. You can change the payment amount or cancel automatic payments at any time through your account. Automatic payments reduce the risk of missing a due date and incurring late fees.

What happens if your payment is late

Mutual of Omaha typically provides a grace period of 30 days after your due date before your coverage is canceled. During this grace period, your policy remains in force but you may be charged a late fee. The exact grace period and late fee amount depend on your policy type and state regulations.

If your payment is not received by the end of the grace period, your coverage will lapse. To reinstate a lapsed policy, you may need to reapply and undergo underwriting again, which can take several weeks. Contact Mutual of Omaha when ready if you know your payment will be late so you understand your options.

Payment methods and fees

Mutual of Omaha does not charge a fee for online payments made through your account portal or for automatic bank withdrawals. Phone payments also do not incur a processing fee. If you pay by mail, there is no fee, but you are responsible for mailing costs.

Some credit card companies may charge a cash advance fee if you use a credit card to pay your insurance premium, so check with your card issuer. Debit cards and bank account transfers typically do not carry additional fees from Mutual of Omaha.

Frequently Asked Questions

Can I pay my Mutual of Omaha bill with a credit card?

Yes, Mutual of Omaha accepts credit card payments online and by phone. Be aware that your credit card company may charge a cash advance fee or treat the payment as a balance transfer, so check your card's terms first. Debit cards and bank account transfers do not carry these potential fees.

What if I pay online but my payment shows as pending?

Online payments typically process the same business day. If your payment shows as pending, it will move to processed status within 24 hours. You can check the status in your account portal. If it remains pending after 24 hours, contact Mutual of Omaha customer service.

Can I change or cancel an automatic payment after I set it up?

Yes, you can change the payment amount, change the payment date, or cancel automatic payments at any time through your online account. Log in, go to the Payments section, and select the option to manage or cancel autopay. Changes take effect on your next scheduled payment date.

What should I do if I cannot pay my full premium by the due date?

Contact Mutual of Omaha customer service as soon as possible to discuss your situation. They may be able to work out a payment arrangement or discuss other options. Waiting until after the grace period ends will result in cancellation and may make reinstatement more difficult.

Is there a difference in processing time between paying online and by phone?

Both online and phone payments process when ready on the same business day. Mail payments take 7 to 10 business days. If you need your payment processed quickly, use online or phone payment rather than mail.