The Good
FTSE100 Listed Company • Good Ratings from A.M. Best, Moody’s and Fitch • Award Winning Company • Flexible Fully-Customizable Life Insurance PlansThe Bad
Minimal Product Choice • Premium Payments Quite Steep • Inconvenient to ContactOverview
n/aPolicies / Plans 
Old Mutual Financial Network basically has two life insurance offerings that are actually a combination of term life and universal life insurance plans but are flexible and fully customizable. Both these life insurance plans come with optional riders such as accelerated death benefits rider, a disability income rider, accidental death rider and a child rider, whereby the insured may opt to insure their children less than 18 years of age.
OMLife-Choice™, a universal life insurance plan providing death benefits as well as tax-deferred cash value accumulation which is directly linked to a formula based on fluctuations in an equity-index. Customers may opt for flexible premium payments with a variety of optional riders and waivers in addition to a two death benefit option. Unlike other universal life insurance plans, OMLife-Choice™ offers the potential to earn interest from market fluctuations. There is also an extended maturity option until the ripe old age of 120 years. Policy holders also have options to take out low-cost loans without compromising the plan’s interest earning potential. There are no charges for surrendering the policy which provides incomparable liquidity. Participation rates are guaranteed. It is one of the most competitively priced indexed universal life insurance plans available on the market.
OMLife-Elite™ is more suited to more aggressive, risk-tolerant individuals as this plan has high target premium payments and provisions for a variable cost loan. The minimum face amount for this plan is US$ 50,000.
Pricing / Rates 
Old Mutual life insurance plans do not come at a very cheap price. Their premium payments are not the lowest in the market but the price paid in relation to the coverage offered is quite high. Premium payments may even start at US$ 8,000 a year.
Getting A Quote
Customers are offered to view sample costs online, illustrating the costs involved for a certain protection amount. In addition to viewing an example of costs involved, customers are also afforded an explanation of the calculations and terms used in the plan. However, actual quotes are not available online. Customers will have to contact the Old Mutual Financial Network marketing offices themselves as online request forms to request for an agent or representative to contact interested customers are not available on their website.
Customer Service
Old Mutual Financial Network only has two service centers to handle marketing and policy holders’ inquiries in Baltimore and Lincoln. All mail is to be directed to either of these two addresses depending on customer needs. As the option for customers to contact them via email could not be located, it can be assumed that it is not possible to contact them by electronic means. In addition to this, there are no toll-free numbers to dial in the list of telephone numbers listed. There is only one number listed for inquiries.
Summary
Based on the factors stated, Old Mutual Life Insurance scored 7 out of 10. Although their life insurance product offerings seem limited but their flexibility and customizability are truly innovative. However, it is exceedingly challenging to contact them, even by electronic means in this day and age.