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Has Mutual of Omaha sent you one of the advertisements in the mail like the one shown below? We suspect that you are searching online to find out what their offer is all about, so you can decide whether or not its a good deal.
Rest assured; we will explain exactly what they are offering you, so you know all the facts to make an educated decision. We will even show you another burial insurance plan from Mutual of Omaha that you will never see advertised in the mail.
My Mutual Of Omaha Review on Burial Insurance Polices
Buying life insurance to cover funeral and burial expenses is a very important part of aging. Most smart shoppers today do their research up front before they buy (just like you are now). We think this is a great idea that is totally necessary before you buy. This is precisely why we review all the top burial insurance companies. Mutual of Omaha was one of the insurance companies that made our list of top burial insurance companies.
Our goal with this Mutual of Omaha burial insurance review is to show you what’s behind the curtain. Most websites feed shoppers nothing but vague and useless information that doesn’t really help them. We aim to do the opposite. In the end, we want you to have the knowledge that eludes so many shoppers, so you can make a highly educated buying decision.
Quick Article Navigation
- What They Are Offering You Through The Mail
- Company Background
- Their Burial Insurance That’s Not Available Through The Mail
First of all, everything we are about to tell you is printed on the papers they sent you.
This offer from Mutual of Omaha is for a guaranteed issue whole life insurance policy. This guaranteed acceptance policy has no health questions or medical background checks of any kind. They literally issue the policy to anyone who applies. This policy will not pay a death benefit if you die with in the first 24 months.
How the policy works & availability
- Anyone who is age 45-85 can apply for this plan
- You can buy as little as $2,000 in coverage, or you can purchase up to $25,000
- They offer this plan in all states except: CT, MT, & NY
- It’s whole life insurance
- The policy will never expire
- The monthly premium cannot increase
- The death benefit cannot decrease
So what’s the catch?
Well there’s two drawbacks to this kind of policy.
First, as is the case with any guaranteed issue policy, there is always a mandatory two year waiting period. If you die within the first 24 months, Mutual of Omaha will simply refund all your premiums you ever gave them plus 10% interest.
They must impose the waiting period because they are not assessing your health. They have to enforce this two year waiting period to keep from going broke.
Secondly, the cost on a no health question policy (with any company) is always more expensive compared to a plan that does have health questions. For example, Mutual of Omaha does have whole life burial insurance plan that has health questions. It’s a lot cheaper and it offers full immediate protection if you qualify.
Guaranteed Issue is Rarely the best for anyone
Unquestionably, the biggest hangup we have with this offer through the mail is the fact that most clients should not be buying a guaranteed issue policy in the first place. A guaranteed acceptance plan is simply an inferior choice a vast majority if the time.
Why do we say this?
It’s simple. There are so many burial insurance companies on the market today, and they all accept and decline different health conditions. All these choices make it possible for most people to secure a plan whereby the insurer accepts all of their health issues. That leads to two massive benefits.
- Full immediate coverage
- A much lower monthly premium
The thing is most folks don’t know this, so they unknowingly sign up for this plan through the mail not knowing what they really could get.
This is key
A person should only resort to a guaranteed issue plan when they have some very serious health issues like HIV, current cancer, oxygen use, or dialysis.
Mutual of Omaha sells it direct
If you wanted their guaranteed issue policy, you have to buy it from them direct. You can fill out the papers they sent you, you can buy online, or you can call them directly.
You may not know this
Truthfully, most life insurance is sold through agencies. For example, Mutual of Omaha’s Living Promise is their burial insurance plan that has health questions.
Their Living Promise plan must be bought through an agency. In fact, if you called Mutual of Omaha trying to buy a Living Promise policy, they would instruct you to contact and agent or agency. They can’t and won’t sell it to you directly.
Insider Tip: A life insurance company is required by law to charge the same price to every customer regardless of how that customer purchases the insurance. If an insurer does sell direct and through agents, the cost will be the same no matter which one you buy from. Many people think bypassing an agent will save them money because they are dealing direct with the insurer. Most insurers don’t sell direct to consumer, but the ones that do will charge you the same rate as an agent would. It’s the law.
Their Guaranteed Issue Is Good but not the best
Its a true statement that Mutual of Omaha is cheaper guaranteed issue life insurance most of the time. The only other company that comes close to them is Gerber Life. Mutual is slightly cheaper than Gerber except for a few ages.
Even though Mutual of Omaha is technically cheaper, the prices are usually within a dollar of one another. We are up front about all of this. In spite of some slightly lower prices, we still believe that Gerber Life is a much better option. Below are the ages where Gerber is actually cheaper.
Male: 50, 55, 56, 60, 61, 65, 66, 70, 71, & 75
Female: 50, 51, 52, 55, & 75
Also, the word “best” is just really a personal opinion. You may think something is best for you for certain reasons. On the other hand, someone else may totally disagree with you. We detail our reasons below why we believe Gerber Life is a superior choice.
No independent agent is a HUGE problem
At Choice Mutual, we have the belief that Mutual of Omaha does not have the best guaranteed issue plan for two reasons. First, its more expensive than Gerber for some ages. But most importantly, you do not get an independent agent because you buy directly from them.
More specifically, you don’t get Choice Mutual! We take great pride in the value we provide to our clients.
As we said, you have to buy directly from them. In doing so, you are inherently dealing with a customer service representative that is licensed to process insurance applications. They can’t and won’t perform any kind of analysis on your behalf.
United of Omaha won’t determine if guaranteed issue is truly your best option. Additionally, they won’t determine if there are companies that can issue you immediate protection. Most of all, they won’t attempt any dialogue with you about what is truly in your best interest.
They represent only Mutual of Omaha’s guaranteed issue plan. Consequently, they have no other options they can offer you. They can and will just sign you up for their guaranteed issue plan without thinking twice about it.
how an independent agency provides massive value
The Choice Mutual process is designed to help you get qualified for a burial insurance plan that has the following two attributes:
- Rock bottom pricing
- Provides immediate protection.
We succeed in doing this over 90% of the time! Contrast that value to dealing with an order taker at Mutual of Omaha. Which experience do you prefer?
The Choice Mutual process
We start by taking a look at your entire health profile. Then, we analyze well over 10 highly rated burial insurance companies to see which ones would approve you. Remember, we are independent, so we can freely represent all the top companies in the nation. Ultimately, we recommend whichever company is offering you the best deal.
Again, over 90% of the time we can place our clients into an immediate benefit plan that has low level pricing. However, for the remaining few who can’t due to their health, we have Gerber Life’s guaranteed issue burial insurance plan.
Many of our customers add coverage sometime after they had taken out their first burial insurance policy. This is a very common practice. You may not have thought about this, but there is very a good chance that you will do the same.
Down the line, do you still want a burial insurance advocate on your behalf? Do you want someone who will still fight to get you the best plan possible? If you do, we are your company. If you went with Mutual of Omaha, they would again take your order.
When we encounter folks who add coverage down the line, we always take a fresh look at their health. Time is a huge factor when applying for life insurance. You will find that most health questions are tied directly to a period of time.
For example, if you had a heart attack six months ago, that would mean waiting periods and higher prices. However, six months from now you would be 12 months since your heart attack. In this scenario, you now have options that didn’t exist before. Your heart attack would no longer mean you have to pay more and have to endure a waiting period if you add more coverage.
No matter what your health profile is whenever we serve you, we will always work to get you the best plan possible. Moreover, we will never default to any plan simply because it’s what you started with. It could turn out to be the same company we originally put you with. However, it could turn out to be another company altogether.
Remember, we do not care which company it happens to be. That is the beauty of being independent. All we care about is putting you in the best plan possible whenever we speak with you.
Hopefully you can see the value in what we offer. If price is still your biggest hang up, we will show you real prices for both companies. Again, Gerber costs slightly more overall. However, we hope the value we provide is worth the extra buck or two.
Gerber Life Guaranteed Acceptance Burial Insurance- Male
Mutual of Omaha Guaranteed Issue Burial Insurance- Male
Mutual of Omaha Insurance company was first charted back in 1909. There are many affiliate companies all fall under the umbrella of Mutual of Omaha. Presently, they are one of the largest insurance organizations in the entire USA.
Mutual of Omaha life insurance company is also known as United of Omaha Life insurance company. You may already know this, but both names are often used interchangeably.
A.M. Best currently has Mutual of Omaha rated as A+ which is their second highest mark possible. Additionally, they are accredited with the BBB, and maintain an A+ rating.
They are presently involved in offering literally dozens of lines of insurance. For both individuals, groups, and businesses, they pretty much have their hand in everything. Having said that, this article will only be discussing their burial insurance lineup. We will not be talking about any other line of insurance they offer.
There is no question about whether or not you can depend on Mutual of Omaha. Their financials are impeccable, and they have more than enough history to warrant the highest level of trust.
Mutual of Omaha has a whole life burial insurance plan called “Living Promise”. This product is only sold through agencies such as Choice Mutual. This product has underwriting, so there are health questions. That’s a good thing because it allows you to qualify for coverage that protects you in full from the very first day of your policy.
Mutual of Omaha’s “Living Promise”
Overall Choice Mutual Grade= A
Quick facts about these plans
- Coverage never expires
- Two plan options- Immediate coverage available
- Fixed monthly premiums for life
- Benefits never decrease
Mutual of Omaha’s final expense insurance program goes by the name Living Promise. In total, there are two Living Promise plans available to you. Your health will ultimately decide which plan you qualify for, if any. Their Level Benefit plan offers you immediate protection with absolutely no waiting period. Alternatively, their Graded plan comes with a waiting period.
How their burial insurance works
Overall, Mutual of Omaha’s Living Promise burial insurance is very straightforward. First, it’s whole life insurance. For this reason, it cannot ever expire, the monthly payment can’t increase, and the benefits can’t decrease.
Mutual of Omaha’s only exclusion
Mutual of Omaha only has one policy exclusion. To explain, they will not pay the death benefit if the insured commits suicide within two years of the contestability date. This rule applies to insured’s who are sane or insane. In the case of suicide, Mutual of Omaha will refund all premiums paid minus any applicable policy loans.
To clarify, the contestability date is the first day of the two year contestability period. Every life insurance company has a two year contestability period. However, it only lasts one year in some select states.
contestability period explained
The contestability period is a provision that entitles life insurance companies to investigate a death claim. However, an insurance company may only do so during the two year window they are given. After the contestability period has passed, department of insurance regulations prohibit an insurance company from contesting a death claim.
Basically, the insurance company will request medical records. Their objective is to verify whether or not an applicant was honest regarding their health at the time of the application. The insurance company’s goal is not to find a reason to deny a claim. Because fraud is real, they need to do this to protect themselves.
In most cases, the contestability period begins on the effective date of the policy. Alternatively, it can also begin the first day of a policy reinstatement. In general, you have nothing to fear as long as you respond honestly when you answering health questions.
easy to understand
One of the great aspects about final expense insurance is how simple they are. There is no fine print you need to be aware of. Basically, once you get them, they remain the same forever. As long as you continually make you monthly payments, you retain peace of mind knowing it will always be there.
Insider Tip: Not all companies are honest about the burial insurance plans. There are many companies out there that will try to sell you fake burial insurance. AARP and Globe Life are very guilty of doing this. Read this if you aren’t completely sure what burial insurance is. Do your homework ahead of time to spare your family grief later in life.
how united of Omaha qualifies you
Mutual of Omaha will analyze you in four ways to determine your eligibility. They will take into account the following:
- Your answers to their health questions
- Any relevant records on file with MIB (Medical Information Bureau)
- Your weight and height ratio
- Your prescription history
These four categories are pretty much standard for any burial insurance company. It’s incredibly rare for any final expense insurer to not use these four elements to determine your qualification.
There is only one company that does not have ANY build chart. To clarify, a build chart is an insurance company guideline for height to weight ratios.
This company is the only burial insurance company on the market that does not care about your height or weight. You could literally be 600 pounds, and they will view you the same as someone who is 150 pounds.
Phone interviews for some
Mutual of Omaha has a unique practice of conducting random phone interviews with some applicants. Generally speaking, this is not a normal practice in the final expense business. Most companies mandate a phone interview as part of their application process.
Mutual of Omaha will choose people at random. If you are selected, they will basically ask you all the health questions. Also, if there is something they want to get further clarification on, they will ask you that as well.
There is no hard and fast rule about who gets chosen. However, data shows that people over 60 are more likely to be selected for their phone interviews.
YOU are the main factor regarding eligibility
As is the case with all burial insurance applications, you are the principal source of underwriting information. Your reply to their health questions is the single most powerful part of the entire application with Mutual Of Omaha.
Mutual of Omaha has two sets of health questions. The first set of health questions are the knockout questions. A yes answer to any knockout questions disqualifies you altogether. You would not be eligible for any coverage if you have any of the knockout conditions.
The second set of health questions are the graded questions. If you have any of these conditions, you will be approved for the graded benefit burial insurance plan.
Here are the knockout questions:
- Is the Proposed Insured currently:
- bedridden or confined to any hospital, nursing home, long-term care facility or skilled nursing facility; or receiving or been advised to receive care in a nursing home, hospice care, or home health care?
- requiring assistance with activities of daily living such as taking medications, bathing, dressing, eating, toileting, getting in and out of a chair or bed, or control of bowel or bladder problems?
- requiring any of the following (other than for fractures, bone or joint surgery, including replacement): wheelchair, electric scooter, or oxygen equipment to assist breathing (excluding use for sleep apnea)?
- Has the Proposed Insured ever been:
- diagnosed as having Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC), or Human Immunodeficiency Virus (HIV) Infection (symptomatic or asymptomatic) or been treated for AIDS, ARC, or HIV by a physician or heath care provider?
- diagnosed with, been treated for or advised by a physician or health care provider to receive treatment for Alzheimer’s Disease, Dementia, Huntington’s Disease, Sickle Cell Anemia, Myelodysplastic Syndrome (MDS), Lou Gehrig’s Disease (ALS), Quadriplegia, Paraplegia, Down’s Syndrome, mental incapacity, congestive heart failure, Cirrhosis, Metastatic Cancer or recurrent Cancer of the same type?
- diagnosed with insulin shock, diabetic coma, or had an amputation due to diabetic complications or diagnosed with End Stage Renal Disease or requiring dialysis?
- advised to receive or have received an organ or bone marrow transplant?
- diagnosed by a physician or health care provider as having a terminal medical condition that is expected to result in death within the next twelve 12 months?
- In the past 12 months, has the Proposed Insured been:
- advised by a physician to have a surgical operation, diagnostic testing other than for routine screening purposes or for those related to HIV/AIDS, treatment, hospitalization, or other procedure which has not been done or for which results are not known?
- diagnosed by a physician or health care provider as having heart disease or heart surgery of any kind?
- In the past 2 years, has the Proposed Insured been diagnosed with, been treated for or advised by a physician or health care provider to receive treatment for any form of cancer (except basal or squamous cell skin cancer)
Again, Mutual of Omaha will also look at your medication history as part of their risk analysis. Additionally, they will also check to see if you have any relevant records on file with MIB.
If they find any traces of treatment for any of these knockout conditions, you will be declined accordingly. In that case, your no answers would not matter. Evidence of treatment supersedes a no answer to a health question.
Do not be concerned if you said yes to any of these questions
First, Mutual of Omaha is one company out of dozens. That is to say, there are many other final expense insurance companies that have plans that are totally different than Mutual of Omaha. Remember, every insurance company has different underwriting criteria.
For this reason, there is usually a burial insurance plan out there that will accept you and your health ailments. In fact, most of our clients (90%) are able to secure the bottom level rates with immediate protection. Because we are an independent agency, we can make this happen for the vast majority of our clients.
The last resort
Nonetheless, if your health prevents you from getting a burial insurance policy that has health questions, we can still help you. This company will take everyone. They do not ask health questions or check your medical history. They guarantee your coverage no matter what.
However, the caveat is a higher monthly premium (understandably), and a two year waiting period. For this reason, you would not resort to using a guaranteed policy unless absolutely necessary. Please do not make the mistake of defaulting to this kind of policy.
If you can qualify for a final expense insurance plan that has health questions, it’s far better usually (not in all cases). In particular, you will likely pay less per month, and have immediate protection. Would you not want both of those if they were obtainable to you? Of course you would!
Companies like Colonial Penn and AARP will pretty much do the opposite. They love defaulting people to their overpriced guaranteed acceptance plans. If you have questions about any of this, please contact us. We are here to help. To do so, just fill out the quote form or give us a call.
The “Graded Benefit” from Mutual of Omaha
Choice Mutual Grade= F
Quick facts about this plan
- Coverage never expires
- Two year waiting period
- Fixed monthly premiums for life
- Benefits never decrease
To be eligible for this plan, you have to pass the knockout section. If you say yes to any of the below health questions, you will be approved for Mutual of Omaha’s graded benefit. Furthermore, if you have a prescription history showing treatment for these conditions, you will be approved accordingly.
Here are the graded health questions:
- Has the Proposed Insured ever (a) received care or treatment for, or (b) been advised by a physician or health care provider to seek treatment for:
- Diabetes before age 50 or diabetes at any age with complications of Retinopathy (eye), Nephropathy (kidney), Neuropathy (nerve) or Peripheral Vascular Disease (PVD or PAD)?
- Hepatitis C?
- Chronic Lung Disease, including Chronic Obstructive Pulmonary Disease (COPD), Chronic Bronchitis, Emphysema, or Sarcoidosis?
- In the past 4 years, has the Proposed Insured: (a) received care or treatment for, or (b) been advised by a physician or health care provider to seek treatment for:
- Cancer, Leukemia, Melanoma or any other internal cancer (except basal or squamous cell skin cancer)?
- Chronic Kidney Disease, Systemic Lupus or Scleroderma?
- Bipolar Depression, Schizophrenia, Parkinson’s Disease or Multiple Sclerosis?
- In the past 2 years, has the Proposed Insured: (a) received care or treatment for, or (b) been advised by a physician or health care provider to seek treatment for:
- Coronary Artery Disease, Heart Attack, Coronary Artery Bypass Surgery, Angioplasty, Cardiomyopathy, irregular heart rhythm, or Valvular Heart Disease with surgical repair or replacement?
- Stroke or Transient Ischemic Attack (TIA)?
- In the past 2 years, has the Proposed Insured:
- been convicted of or currently awaiting trial for a felony?
- been treated for or advised to have treatment for alcohol or drug abuse or convicted more than once of reckless driving or driving under the influence of drugs or alcohol?
- used unlawful drugs in any form or abused or misused prescription drugs?
- In the past 2 years, has the Proposed Insured been hospitalized by a physician or health care provider for any mental or nervous disorder?
- In the past 12 months, has the Proposed Insured consulted a physician for chronic cough, unexplained weight loss greater than 10 pounds, fatigue or unexplained gastrointestinal bleeding?
First of all, this graded plan comes with a waiting period. The waiting period lasts two years. If you pass away during this time, Mutual of Omaha will refund all your premiums plus 10 percent.
This plan is open to anyone between 45 and 80. In New York, its 50-75. You can buy as little as $2,000 in coverage. On the flip side, you can purchase a maximum of $20,000 of protection. This graded plan is available in every state except: AR, MT, NC, & WA.
Mutual of Omaha, like all insurers, will pay out the full death benefit on this plan if you die from an accident. The waiting period simply does not apply to accidental deaths.
Who is this plan good for?
Put bluntly, this graded plan is not your best option in any circumstance. We love Mutual of Omaha, but this is the honest truth. As we have always said, we work for YOU. We do not work for, or are in a marriage with any insurance company.
There is no one insurance company that is the best fit for everyone. This graded plan by Mutual of Omaha is prime example of that. In fact, even insurers are self aware of this fact. Even they know their plans are not truly the best option for everyone.
If you happen to be very fond of Mutual of Omaha as a company, maybe then you would take this graded plan. That is a real thing that does happen.
If that sounds like you, just know it’s OK to make that choice. The decision is yours at the end of the day. Granted, our job is to show you all your options, and give you our sincere recommendation. In the end however, it’s still your choice what company you go with.
how this plan is lacking
For their graded plan, the problem is in two areas. Their covered health conditions, and their look back times are the problems. Thus, we cannot recommend you take this plan knowing the superior options available elsewhere.
Graded with Mutual of Omaha, but level with others
Consider, many other final expense plans freely accept many of these conditions. To illustrate, look at this list. All of these conditions are graded with Mutual of Omaha. With other companies, they are level day one coverage for much less money.
- Peripheral Vascular Disease
- Neuropathy or Retinopathy
- Diabetes before age 50
- COPD or Emphysema
- Multiple Sclerosis
- TIA/ Mini Stroke
- Irregular heart rhythm
- The list goes on
To clarify, when we say “freely accept”, it means an insurer designed their burial insurance plan to accept certain risks. For example, Mutual of Omaha does not freely accepted the above conditions. If you have any of those conditions within their specified time frame, they will place you in their graded plan.
As a result, they charge you more money, and give you a waiting period. Elsewhere, you pay less and get no waiting period. Can you see why we do not recommend this plan?
Much longer cancer look back times
This graded plan by Mutual of Omaha has a much longer than average look back times for cancer. To clarify, most insurance companies only go back 3. Mutual of Omaha looks back 4 years. We even have companies that only look back 2 years on cancer.
In the end, if you had cancer 3 years ago, Mutual of Omaha would charge you more, and give you a waiting period. We have other companies what would give you day one coverage and charge you a lot less.
you are the boss
Again, go with this graded plan if you just love Mutual of Omaha. As a result, you will pay more and have a waiting period. Definitely, we can easily get your more coverage for less money. Also, we would very likely get you immediate protection. All around, it would be much better for you and your family. But in the end, the choice is always yours.
The “level benefit” option with Mutual of Omaha
Choice Mutual Grade= A
Quick facts about this plan
- Coverage never expires
- 100% coverage on day one
- Fixed monthly premiums for life
- Benefits never decrease
You can qualify for this plan if you say no to every single health question. Additionally, you must have a medical history devoid of treatment for all the conditions asked about on the application. Assuming you do, this plan comes with immediate protection. There is no waiting period whatsoever with this plan.
This plan is available in all 50 states within the USA. Anyone age 45-85 is eligible to apply. The minimum face amount on this level plan is $2,000. The maximum face amount is $40,000. However, if you live in Washington, your minimum face amount starts are $25,000. The $40,000 maximum face amount is very unique. Most final expense insurance plans have maximum face amounts between $20,000 & $30,000.
Accelerated death benefit for terminal illness or nursing home confinement
Take note, this rider is not available on the graded benefit plan. Essentially, this is a free rider added onto to you policy. In a nutshell, it allows the owner a one-time election to receive an accelerated benefit. In order to access this benefit, you must meet one of two qualifications:
- You receive a diagnosis of a terminal illness that will result in your death within 12 months or less.
- You are in a nursing home. It must be for 90 consecutive days or more. Additionally, you anticipate remaining in a nursing home for the duration of your life.
Optional accidental death benefit rider
This optional rider will provide an extra death benefit if you die specifically from an accident. It will cost extra. Albeit, the extra cost is incredibly low. Usually, the cost is a mere dollar or two.
who is this plan good for
If you can say no to all the health questions, this plan is probably one of your best burial insurance options. Obviously, you can’t have any of the conditions mentioned on the application. If you just deal with minor health issues, this plan will give you great coverage at a very competitive price.
Here are some ordinary conditions Mutual of Omaha will still issue you this level benefit plan.
- High cholesterol
- High Blood Pressure
- Heart Attacks over 2 years ago
- Strokes (not mini/TIA) over 2 years ago
- Diabetes after age 50 (no complications)
Applicants age 80-85
They have some of the lowest rates in the business for people in this age bracket. If you can qualify, Mutual of Omaha can probably get you the best rate in town.
If you have squamous cell cancer
This is one area where Mutual of Omaha really stands out. Most burial insurance companies will lump squamous cell cancer into their overall cancer category. As a result, you would pay a lot more, and have a waiting period. If you have squamous cell cancer, Mutual of Omaha can give you level day one coverage at a rock bottom price.
The bottom line
Again, if you can clear the health conditions, this level benefit burial insurance plan by Mutual of Omaha is an awesome option. Jump on it if you can qualify for it. We can absolutely assist you in getting this product. Please fill out the quote form, or call us. We are here to help.
Mutual of Omaha Summary
All around, Mutual of Omaha’s Living Promise burial insurance is fantastic if you qualify for their level benefit. If you can’t qualify for their level benefit, you should definitely look elsewhere.
The level benefit plan gives you get qualify coverage that is priced very comparable to most final expense companies. If you are healthy, this is a great burial insurance plan for you.
United of Omaha’s guaranteed issue plan is very good. There’s no doubt about it. However, Gerber Life is the company we recommend. We absolutely recommend that you let us help you with Gerber Life because they are cheaper and you get us. Hopefully, you realize the value that an experienced independent agency like Choice Mutual provides.
If you have any questions on any of this, please contact us. You can fill out the quote form and wait for us to call you. Otherwise, call us toll free at 1-800-644-2926. We are eager to help those who need it.