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Central States Health & Life Co. of Omaha Health Insurance Company

Dino Christoforakis
Dino Christoforakis

Editor in Chief & Licensed Insurance Agent.

Central States Health & Life Co. of Omaha is a mutually owned insurance company specializing, not in health and life insurance as its name would imply, but in the debt protection and credit insurance markets. The company was founded in 1932 as Central States Health & Accident Association, and insured customers in cases of death or disability. In 1957, the company took its current name and legally changed its charter to a life, health, and accident company.

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Central States Health & Life Co. of Omaha is also known as CSO. As of 2009, CSO was supporting more than 5,300 financial institutions and automobile dealerships, and processing more than 21,000 insurance policies per month. The company strives to be a leader in the debt protection market.

Central States Health & Life Co. of Omaha Contact Information

CSO can be contacted via mail or phone at:

1212 North 96th Street
Omaha, NE 68114
Phone: 402-397-1111
Toll-Free: 1-800-826-6587

Their website also has direct links to email forms to send if you’ve got General Agent, All Other Agents, or just General questions.

Central States Health & Life Co. of Omaha Products

Although CSO previously offered Cancer, Disability, Medicare Supplemental; Accident Only, Hospital, Long-Term Care, and Critical Care health insurance, as well as life insurance, the company has transferred these policies to Philadelphia American Insurance Company. Any questions on those policies should now be directed to Philadelphia American.

Central States Health & Life Co. of Omaha offers two different product lines: Credit Insurance and Debt Cancellation. CSO’s credit insurance products exist to protect some types of loans in case of the borrower’s disability or death.

Credit Life coverage pays off some or all of a loan if the covered loan borrower’s dies. The actual benefit is dependent upon the option selected. The four options for Credit Life are: Gross Pay Decreasing Life; Net Pay Decreasing Life; Truncated Net Pay Decreasing Life; and Level Life.

Credit Disability takes care of a loan payment, fully or partially, if the covered borrower becomes totally disabled because of a covered illness or accident. Instead of paying the borrower directly, CSO pays benefits to the financial institution that administers the loan. Credit Disability coverage has two options: Full Term Disability or Critical Period Disability.

Debt Cancellation allows a lender to modify the terms of a loan and its terms, in case certain “protected” events occur. These events would be: accidental death or disability; life coverage; disability coverage; involuntary unemployment; or unpaid family leave. The lender may choose to cancel debts on any type of loan. CSO works with the borrower to develop a debt cancellation program that addresses their needs.

Central States Health & Life Co. of Omaha Careers

CSO prides itself on its challenging job opportunities and a family-friendly culture. If you’re looking for a job in the clerical, administrative, sales, management, and professional fields, then you might want to consider applying to CSO. CSO uses CareerLink to manage its online job openings. A current search finds only one job available–an accountant job at company headquarters in Nebraska. If you’re not interested in this job, but would like to send in your resume for future consideration, you can email it to [email protected]. You can also print an application off of the CSO website.

Because CSO was an early participant in the workplace wellness movement, the company will not hire anybody who uses tobacco in any form. They make this contingent on state laws allowing this type of statement. Part of CSO’s employment offer is conditional upon an applicant passing a tobacco use screen.

As would be expected for an insurance company that is involved in workplace wellness, Central States Health & Life Co. of Omaha has a comprehensive benefit program for employees. This includes: PPO health and dental plans; prescription drug coverage; vision care insurance; medical flexible spending accounts; dependent care flexible spending accounts; short-term and long-term disability; basic life insurance; accidental death and dismemberment coverage; and voluntary life insurance.

CSO also provides a 401 (k) savings plan with employer match; paid time off; paid holidays, a bereavement program; an employee assistance program; an onsite wellness facility; and flexible work hours. The company is very supportive of their employees staying updated on career development, offering such incentives as tuition reimbursement, as well as professional and industry supported training. CSO offers bonuses for employee referrals.

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