Securing a $25,000 final expense or whole life policy with Mutual of Omaha entails a monthly recurring premium that stays locked for the remainder of your life once your application is approved. Monthly costs for a $25,000 tier typically average anywhere from $75 for applicants entering the program in their mid-forties up to $200 or more for senior applicants enrolling closer to age 85. Because acceptance is guaranteed without medical underwriting tests, policyholders trade higher relative per-thousand cost structures for absolute certainty of coverage.