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Physicians Mutual Insurance Review

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UPDATED: Nov 30, 2018

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Physicians Mutual Insurance
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Founded as an insurance company for medical professionals, Physician’s Mutual now offers coverage to everyone. Today, their focus is on health, accident, life insurance, and assistance with planning for the future.

Physicians Mutual Summary

Physician’s Mutual was founded in 1902 in Omaha, Nebraska. In 1962 the company opened its doors to the general public, and in 1970 they founded the Physician’s Mutual Life Insurance Company, expanding into the life insurance market. In 2012 they expanded further, adding funeral pre-planning to their lineup.

Physician’s Mutual sells its products through career agents, with more than 850 such agents across the country. However, not all of their products are available in all states. Today the product lineup includes annuities, dental insurance, supplemental healthcare coverage, accident insurance, and several types of life insurance.

The company headquarters remain in Omaha, Nebraska today.

Insurance Products

Physician’s Mutual focuses on products that provide coverage for health, accidents, as well as future planning.

Life Insurance

Physician’s Mutual offers a few very basic life insurance options for those who need quick coverage, and those with slightly more complex needs.

Their Term Life comes in two levels – a final expenses policy for up to $50,000 and a High Benefit Term Life policy that is available for up to $10,000,000. These policies offer various term lengths and level premiums.

Like the term options, Physician’s Mutual offers two levels of Whole Life. Guaranteed Whole Life is designed for final expenses planning with a benefit of up to $10,000. High Benefit Whole Life offers coverage up to $2,000,000.

Physician’s Mutual also offers Juvenile Whole Life policies that can be taken out on a minor to provide them with coverage later in life.

Medical & Dental Insurance

Physician’s Mutual offers a variety of medical and dental insurance plans designed to supplement a core health insurance policy, with a variety of plans to meet specific needs. For those who need added protection beyond their health insurance plan, there are the following options:

  • Medicare Supplement plans to cover costs not paid for by Medicare
  • Smart Choice Accident Insurance
  • Hospital, Medical, Surgical Insurance which covers costs that fall outside major health insurance coverage
  • Cancer Insurance, to cover medical costs associated with cancer

Dental insurance is also available to cover routine and emergency costs of dental care.

Additional Products

Funeral Pre-Planning

Physician’s Mutual offers pre-paid funeral coverage that allows policyholders to pay for their funeral coverage ahead of time. This operates like a life insurance policy, but it is held by the funeral home for the specific purpose of paying off funeral bills.

Annuities

Physician’s Mutual offers both deferred and immediate annuities to provide long-term income for retirement. These policies are a tax-deferred investment option.

Physicians Mutual Rates

Physician’s Mutual offers a $1,000,000 term life policy with a 20-year term for $53.33/ month, based on a healthy 30-year-old non-smoking male living in California. That puts the company’s rates a little on the higher side compared to competitors, a few dollars above average.

These rates are for the company’s High Benefit Term Life, which offers higher death benefits based on requiring some medical information. We were unable to obtain a quote for the lower-benefit term policy that is available without any medical questions. It is likely that the cost per thousand dollars of insurance is higher with the no-exam, or no medical questions type of policy.

Previous rate tests for this company have received quotes for the no medical exam policy at a lower benefit amount, and shown the rates to be incredibly high. It appears that things have changed for the better with this company in terms of pricing, particularly with their high benefit policies.

Claims

Physician’s Mutual accepts claims by mail or by phone, although the phone line is only available Monday through Friday during business hours. The company requests that long-term care, home health care, and accidental death claims be filed over the phone.

Claims forms are available for download from the company’s website. There is a 24-hour line available to check on claims status, which seems incongruous with the lack of a 24-hour line for reporting claims in the first place.

Beyond the contact info and a few basics, there is little information available on the company’s claims process or what to expect. That’s not terribly unusual for a life insurance company, since claims are sensitive in nature and differ greatly from auto or home claims.

Consumer Research and Complaints

Physician’s Mutual has been BBB accredited since 1940, and currently has an A+ rating. There are a total of 67 complaints against the company with the BBB in the past three years, 22 of which were closed in the past 12 months. While we often see life insurance companies with very few complaints, this number isn’t out of line for a company of this size.

There are a few complaints out there, but they are few and far between. While some may be legitimate, some reflect a lack of understanding of how insurance policy contracts work. Overall, there are too few complaints and not enough of substance in those complaints to be of any real concern.

Financial Strength

Rating Company Grade Financial Outlook
AM Best A Stable
Fitch N/A N/A
S&P N/A N/A

Bottom Line

Physician’s Mutual offers some basic insurance options, with easy to obtain choices for both term and whole life insurance. Their rates come in just above average, and they seem to have a pretty good reputation to make paying a little extra worth it.

If you’re looking for insurance with a lot of options and flexibility, this might not be the company for you – they don’t offer universal life or a lot of riders on their policies. If you’re looking for straightforward life insurance, or for supplemental health insurance, Physician’s Mutual is worth keeping on the comparison list. That said, most people who are healthy and don’t need quick-issue life are likely to get a better price elsewhere.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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Physicians Mutual
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

47 Comments

  1. I am a widow of 30 years

    I went to a seminar for funeral pre-planning and was ready to do it

    Then I read all the reviews for their other insurance and now have absolutely no idea of where to go and be safe

    you have given me a lot to think about

    Reply
    • There is a lot of options in the market for funding a funeral.

      I normally suggest that you go to your local funeral home and do a pre-arrangement with them to find out the cost and most will offer funding options because they have to by state law so they will not just put the funds into their bank account.

      Most will also guarantee these cost if you fund it through them.

      If you do this, keep your consumer hat on and ask questions and get everything in writing as you should with any contractual obligation.

      The advantage of this is you will be paying a certain amount for a certain period of time based on what you can afford.

      Many think that it is interest with time payments but it is the cost of insurance, which is graded but most will pay 100% of the funeral cost after just 2 years and a day depending on the amount of time that you choose to pay over.

      Like any purchase, the less you pay monthly the longer you will make payments. Hope this gives you some direction!

      Reply
  2. Thank you ALL for your reviews for Physicians Mutual Life insurance. It DID sound too good to be true when I received the packet in the mail today. I’m so happy I researched before going with them. I’ve always mistrusted most insurance companies, but this is over the top.

    I will not be going with this company. My kids, as I already told them, can find a sturdy cardboard box and dig a hole in the yard for me :)

    Reply
  3. My mother died July 2. July 10 they sent a letter requesting her death certificate. July 27 they processed the check and mailed it to the wrong address!!! The customer service representatives have not been helpful and wanted me to wait until August 10 to see if the check will magically appear before they will process another check. Do they realize that Life insurance is to pay for someone’s death expenses??? I am so frustrated I want to cry.

    Reply
    • I am sorry to hear of your troubles. I will NOT buy anything from them. I saw it on TV.

      Reply
    • I don’t know of any Life insurance company that requires a ‘Death Certificate’ of the deceased at the time a claim is made.

      Why a check was mailed, in rather a fast response time to a wrong address could be the fault of the insured or their beneficiaries?

      IMO, their action to send another check in short wait time was acceptable.

      Quote: “Do they realize that Life insurance is to pay for someone’s death expenses???”

      Really? I thought it was to cover long term support of the survivors of the insured.

      Couldn’t you borrow the funeral expense money from your bank, pay for the expense out of your own savings, or charge it to a credit card and then pay off the credit card when you receive a check from the insurance company?

      You sound as if you, or the insured, wasn’t prepared for funeral and burial costs when this happened.

      Best you plan better for other relatives in the future. Good luck

      Reply
      • the number 1 33 Ways to Use a Life Insurance Policy

        The number one use of a life insurance policy on Lifeinsurance.org list is paying funeral costs.

        Buying life insurance IS HOW MOST PEOPLE PREPARE FOR FUNERAL AND BURIAL COSTS.

        Paying funeral costs

        Making mortgage payments

        Paying off student loans

        Paying for medical bills

        Saving for your family’s future medical bills

        Setting up college funds for your children

        Long-term care for your spouse

        Starting a business

        Making a charitable donation

        Buying daily necessities

        Paying utilities

        Paying all other monthly bills

        Buying a car

        Creating an estate

        Making home repairs

        Remodeling your home

        Paying estate taxes

        Paying off credit card debt

        Buying a new home

        Setting up wedding funds for your children

        Saving money for your grandkids

        Retirement income for your spouse

        Equalizing your children’s inheritances

        Visiting family

        Taking a vacation

        Long-term care for your parents

        Going back to school

        Buying new computers

        Investing in the stock market

        Keeping your business running

        Giving to your church

        Adopting a child

        Maintaining your family’s overall standard of living

        Reply
  4. My mom, who recently passed away had this insurance. I called and was told exactly what I needed to send them to get the claim started. My mom had full face value with her insurance and she also had hospital insurance with them. After I sent her death certificate, my brother and I were issued checks a few weeks later. They also told us they planted a tree in her memory at a forest in Texas. They have been very helpful and caring and I appreciate them for that. No complaints what so ever from me.

    Reply
  5. I have a 10,000 dollar policy on my mother. I set the premium on an automatic draft from my checking account. My mother’s health has deteriorated to the point we had to put her in a nursing home. We liquidated her assets and did a prearranged and prepaid funeral. I no longer needed the policy and opted to cancel the policy. I stopped the automatic payment and told them to cancel the policy Feb 6. They said they had to send me a form for me to sign. The form was dated Feb 14 and I received it Feb 22. I sent the form back and they said they received it March 7. They “officially canceled the policy” March 9. Conveniently the date the policy is due. So I’m thinking that I canceled on Feb 6 and do not owe any money. They, in turn, sent me a letter dated March 12 that they took out a loan against the policy for the premium plus 7.4 percent interest. I’m still trying to get the surrender cash value amount sent to me. I’m fighting with them tooth and toenail. Their customer service has become very unprofessional and hostile. I am now bringing in the state insurance commissioner. This insurance company is nothing more than a crooked, greedy, money-grubbing, company. I am always looking for an opportunity to shore up my own life insurance to protect my family should something happen to me. These guys were not smart enough to realize that as they greedy money grubbed me for over 100 dollars, they lost out on the opportunity to write a policy on me and collect more premiums. As for my surrender cash value check??? It is now March 20 and no check. When I compare them to other insurance experiences, for example, American Family, there is no comparison. I have had two claims. One the car was totaled and an adjustor cut me a check the next day. The other claim, the car was banged up. They told me to take it to the body shop and they would take care of it minus my deductible. They did what the said. I also have a life insurance policy with American Family. I took out a loan against the policy. They cut the check and it was in my mailbox within 72 hours. There are good insurance companies out their, but physicians mutual is not one of them.

    Reply
    • I too have had a horrific experience with this company. Doesn’t seem like people read or pay attention to detail anymore. So glad I canceled with them.

      Reply
      • THANK YOU- I AM SO SORRY YOU HAD TO GO THROUGH THAT- BUT YOU STOPPED ME FROM MAKING THE SAME MISTAKE- SO I APPRECIATE THAT!

        Reply
        • Thanks for the info. You just made up my mind for me. Their add just went in the garbage. I’ll look elswhere.

          Reply
        • Thanks for the information on your problems and experiences with P-Mutual. As it is said, “if it sounds too good to be true, it usually is.”

          We are both retired and on a fixed income. We wanted to get a small dental plan, but it looks like P-Mutual will not be writing it for us.

          Customers must stick together to watch and warn about these companies.

          Reply
  6. I have made several small claims in the past year. In each instance, it was necessary for me to ‘jump thru hoops’ to get paid. They would initially reject the claim while continually requesting more and more irrelevant information. The small print in their policy contains many limitations and exclusions, rending this insurance worthless.
    On the last occasions, they refused to pay for an extraction, without first receiving the dentists’ e-rays which under law he may not release.
    This is a real scam…..please look elsewhere for dental insurance….3/8/18

    Reply
    • I have had similar problems getting my claims paid. They would deny and always ask for more information. Each time months past before I was finally paid, and paid peanuts at that. I finally canceled. A worthless frustrating experience. They are a bunch of crooks. You folks should notify your State’s Insurance Commissioner, and ask that their license in your State be revoked.

      Reply
      • I have paid in almost $8,000.00 to Physicians Mutual in the past twenty-seven years. Sent in a claim for my wife’s
        hospital stay, and received a check in the amount of $90.00, making a profit for this rip off company of seven thousand nine hundred and ten dollars. Rest assured I will no longer pay to help these [redacted] make more money. It is no wonder our insurance commissioner does not allow these thieves to operate in my State anymore.

        Reply
  7. I am a benefeciary of my aunts insurance and she passed away. I did recieved the check and deposited last October 1 2017 to my account her in qatar (QNB).However it was not still credited to my account upto this time it is already 2 months and 11 days, the bank here said that there might be a problem of the bank there from US. How long should I wait? It seems 45 working days are already consumed. Please help me on this matter.

    Reply
    • Hi Christopherson,

      Two months certainly sounds like way to much time for a check to clear. I would reach out to the insurance company and have them re-issue a payment. If the amount is large enough, it might make sense to have them wire transfer the funds, if that option is available.

      Best,
      Eric Stauffer

      Reply
  8. I became a dental insurance customer in Feb.2015 have continued until I was dropped in Oct.2017.During that time I have never made a claim,&have paid monthly payments totalling $1863.00.I was informed by letter October 5,2017 that a payment for August,2017 was not received within the 30 day period &effective immediately, my policy would not be reinstated. Two subsequent checks were cashed in September&October,then returned. I tried to be reinstated twice ,to no avail. I as a consumer,would NEVER recommend this company to anyone.

    Reply
  9. I am ready to change from a Medicare advantage plan to a plan that provides more coverage….I signed up for Physicians Mutual yesterday…..but can still get out of it….what say you???

    Reply
    • Hi Ginny,

      Typically, yes. Give them a call and try to cancel the policy. Just make sure you speak with your preferred company first, and that they can assign you a new policy before cancelling the old one.

      Best,
      Eric Stauffer

      Reply
  10. Just received a prepaid post card from Physicians Mutual Insurance Company to fill the birth day and return it back to them for their free medicare information kit. This company is a big joke and so stupid about the personal identity information (PII) by asking their potential customers to fill in their birth day on an return postcard that already has their full name and address. I hope the CEO of this company is not stupid to have his name, address and DOB on his car’s license plate.

    Reply
    • Same here and I totally agree with you. I threw the postcard to the garbage but first I put it through my shredder.

      Reply
  11. I have two clients with Physicians Mutual Long Term Care insurance. They just received premium increases in excess of 59%

    Reply
  12. Physicians Mutual is a ripoff and a scam. Their dental insurance is a joke. I had a policy with them for almost a year. 36 bucks a month. I went to Aspen Dental because I was in agony with my teeth. The receptionist couldn’t even reach them on the phone for a couple of hours. They finally said I had to pay up front for dental work. Had to finance 5000 dollars plus to get some help. That Insurance company is a total joke. Called and dropped the policy as soon as I got home from the dentist. Do not waste your time and money on that [Redacted] company.

    Reply
    • All dental policies from physicians mutual have a year waiting period to pay comprehensive claims, 3 month waiting period on cavities. If you had the policy in effect for 12 months when you had your work done, you would have likely been impressed at what it paid out. With no annual maximums as most dental companies offer, the benefits are consistent. Sorry for your experience, it sounds as you were not properly educated when you purchased the policy. Also, the longest I have ever personally had to wait for customer service to answer my call has been 6 minutes, and I call them at least 2x/mo… Are you sure your dental receptionist “waited for 2 hours??” Or did she just call and hang up and go on to other responsibilities? Finally, when you received your policy, you would have had a binder on it that stated the waiting period as well as a dollar figure reimbursement you would receive on each and every dental procedure known. Again, sorry for your experience, but this insurance is far from a scam or a joke…

      Reply
  13. I am sick and tired of hearing the Physicians Mutual Life Insurance ads on TV. My son died and your insurance would in no way help me. I keep changing the channel, can’t even watch the TV shows I like. Your company is not the answer to everything for everyone. My son was 28 yrs. old.

    Reply
  14. We have had Physicians Mutual supplemental and dental insurance for two years now and have had absolutely no problems with them. We have a good agent as well.

    Reply
  15. I had Physicians Mutual for 5 years as a supplement to Medicare. I paid over 100.00 a month for my premium to them. They paid little to nothing on every claim and Dr bills. I would have been better off without a supplement plan and paid the 20% to Medicare.

    Reply
    • So far I would have to agree with you. They have paid nothing on my last three years of coverage and rates rise to over $130 and yet that money would better have been paid to Medicare supplement additional. Disappointed and lessened savings!

      Reply
    • This must be typical of private insurance companies offering supplemental insurance for Medicare coverage. They are in the business to make money. That means your chances of spending more than you would without their insurance are very good.

      Reply
  16. I purchased a policy through Physicians Mutual for Life Insurance. Are there any positive things about this company. I’m thinking of changing

    Reply
  17. My experience reads much like the many dissatisfied entries here. According to the BBB, this company has an A+ rating and only 69 complaints in three years. I for one find that hard to believe unless of course there are only 75 total customers that the company had over the course of three years-quite possible given the way they treat their customer base. Anyway, I had been paying premiums for about two years and filed for a dental claim. They paid for the initial evaluation directly to me because few if any dental clinics excepts this Physicians Mutual as a legitimate insurance company. It is treated more like one of those dental discount companies, whereby you pay out of pocket and get reimbursed paying a reduced amount. Not even the free clinic here would except this policy for payment. I submitted a claim for the dental work after the initial evaluation and the problems began. I was given this song and dance routine about needing more and more proof of the work that was done before claim can be submitted for payment. They received the same documentation that they would have had it come from the dentists themselves. I’ll be talking with an attorney.

    Reply
  18. How in the world do I get off Physicians Mutual mailing list? I have sent them an email, and all I get is the run around. These people are worse than Publishers Clearing house/

    Reply
    • I don’t know if it would work but I have always wondered what would happen if you wrote “REFUSED” on the envelopes and put them back in your mailbox and raised the flag. Maybe they would get the hint after awhile.

      Reply
      • THEY DO ULTIMATELY GET THE MESSAGE – I HAVE USED THIS TECHNIQUE FOR MANY YEARS.

        Reply
  19. Today my phone rang and to answer it was difficult due to a recent injury. When I answered a lady identified herself as being from Physicians Mutual Insurance Company. I asked if it was a solicitation call and the caller said it was. I then told her I was on the DO NOT CALL LIST and her exact words were, “WELL…AREN’T YOU THE ILLUSTRIOUS ONE AND THE GRAND PUBA! WE’LL BE TICKLED PINK TO REMOVE YOU FROM OUR LIST!” This call came 3/30/15 in the early afternoon…around 1:30 p.m. or about. What kind of person acts that way?

    Reply
    • Contact the complaint phone number which is listed on the DO NOT CALL LIST. The company can be fined and last I knew, thy have to pay you for violation of that do not call list.

      Reply
  20. My 89 year old Mother has a 5000 dollar policy that she has been paying on since 2002. She approximately, at this time has put 10.000 into this policy.
    The problem i have with this is,she has paid for this policy almost twice.
    I tried twice to cash in this policy back in 2011 and they told me that they would only give her 3000 of the 7000 at that time, that she had already put into the policy.. I was so upset that i just didn’t do anything because i want to figure out what other options we had.
    Now once again i called them to cash in the policy, and now they tell me that she would only get 2000 of the almost 10.000 they’ve collected. THIS IS SO WRONG! When the Lord calls my mother home, we will not have enough money to honor her wishes. She lives in Dallas Texas but she want to go back home to New Orleans to be laid to rest where the family plot is. MY MOTHER IS ON A FIXED INCOME. THERE SHOULD A LAW TO BAND THIS TYPE OF POLICY.

    Reply
    • I symphatize a lot with your personal story Ms. Smith. I too had been paying monthly insurance premiums on “Physicians Mutual” dental coverage. My problem with this type of insurance was basically the same>due to a very chronic disability, I have to live on a FIXED income that almost never increases nor rises dramatically higher. I really honestly thought that this dental insurance was going to help me out with paying for my badly needed dental issues/problems. Well, I was so wrong about that! :-(( The dentists that I had spoken to wanted me to first pay myself for all dental services out of my own pocket first & then I would have to file an insurance claim myself with Physicians Mutual. Well, the big problem is that if you are living on a FIXED INCOME like me, you may not have very much cash available after paying for all of your monthly living expenses, such as housing, electric, groceries, etc, etc,. Physicians Mutual, unfortunely, does not disclose this important fact to you PRIOR to you signing up for their dental insurance>>that it’s possible that this type of dental insurance may not work out for you if you are living on a FIXED INCOME :-( It’s very hard to afford medical & dental prices on a fixed income. I did call Physicians Mutual, but they totally refused to refund me even a partial portion of the money that I had already pay into this dental insurance with them. I told them over the phone, this is something that you should disclose prior to signing people up>>fixed incomes cannot easily accomadate expensive dental fees for dental services, especially if the dentist wants you to pay everything upfront FIRST
      :-(

      Reply
      • After paying into this Physicians Mutual dental plan, & paying insurance premiums for 11 months, plus, two very expensive bank fees,>>as I have said, it’s living on a FIXED income, and not being able to use it at all, not even just once to fix one bad dental cavity,>I have estimated & concluded that what I actually did was pay for someone else’s dental cavities :-( >>instead of being able to pay for my own :-(

        Reply
        • Marina, my husband also has dental insurance and we knew for the 1st year nothing major such as bridges or crowns are covered. Cleanings and cavity fillings are. Our dentist did all the filing and did not ask for payment until insurance paid. My point is – it sounds as if dentist office was not very helpful and just wanted money NOW.. Sorry to hear of your problem. I would be upset too.

          Reply
          • Kay, just read your response to my critique …thank you very much for being sympathetic to my point of view about my dental issue/problems with this type of insurance. Fortunately, I am so very lucky to have close family members living outside the United States. I have two cousins, in the Dominican Republic, who are full qualified medical dentists, & they did help me out with dental care, & also provided my second opinions on it :-) …May you & your family have a nice day Kay :-)

          • Kay,
            Does your husband still carry the insurance and are you still satisfied with it? I totally understand all the waiting periods, and my dentist will do all the filing and wait for payment as well. The only reason I’m a little nervous is because it seems “to good to be true”. As far as dental insurance goes, the coverage is excellent. Any feed back you have would be great!

            Marina,
            Sorry to hear it didn’t work so well for you, and glad that you had a great support system to help you through a tough situation :)

          • The problem with this “payment after” insurance is you have to pay the “full amount” of the treatment, whereas with a good plan, the bill is submitted to the insurance company, and they have agreements that initially cut the total bill amount by an average of 40%, then you only pay a percentage of that, and they pay the brunt of it.

    • All contracts disclose what you are signing up for and I would suggest that you DO read the fine print, the devil is in the details. You have some options, first you could look into a reduced paid up instead of cashing it out to see what the value might be.
      You should contact a funeral home in Texas as well as one in New Orleans. See if they have an affordable pre-arranged funeral plan, It will be more expensive to buy, but you can pay a single payment, or over 3-5-7 or 10 years with most of these. The savings come because it is paid off in a stated amount of years and not your whole life. You have the advantage of shopping two funeral homes and see whom has the best deal for your mom. You can still use your existing policy to off set some cost (transferring your mom from Texas etc,) or fund it all and use proceeds from current policy for other expenses that may present themselves such as medical, nursing home and other related type of end of life expense. Hope this helps, everyone should have a plan for when they die and your mom thought she was doing the right thing, but insurance is higher in cost the older you get because risk is much higher for the companies. Always shop, the rates vary by company and state.

      Reply
    • Ms. Smith I’m sorry about the issues you were/are having regarding your Mothers policy. My Mother recently passed away 6 weeks ago and she had a 5000.00 life insurance policy from Physicians Life, and then Physicians Mutual has been doing an ach debit from her checking account for $38.25 monthly. I inquired needing to know the policy number for Physicians Mutual and they will not give me any information. I have my Mothers policy for Physicians Life , but nothing for Physicians Mutual. I cannot get anywhere with these people and one of the reps told me I may need to contact the Estates attorney and let him handle all of it. And that’s exactly what I am doing. Its now in my attorneys hands. Its horrible how they take premiums in good faith and then not honor the claims…just horrible.

      Reply

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