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Central States Health & Life Co.

Company Profile

CSO is a mutually owned insurance company based in Omaha, Nebraska employing a team of dedicated individuals focused on the needs of the company’s client institutions, agents, customers and policyholders. CSO conducts business in every state (except New York), as well as Guam and Saipan. The company strives to be the provider of choice in the markets they serve with its motto, "To Care is To Grow" the guiding philosophy behind how business is done.

A solid history of successful business practice has provided CSO with an exceptionally strong financial base. In 2018, CSO and its subsidiaries, Censtat Life Assurance Company and Censtat Casualty Company, were assigned an A.M. Best Financial Strength credit rating of A- (Excellent)*. Since 2012, CSO has completed annual Service Organization Control (SOC) audits covering the financial, information systems controls and related applications used by CSO for administration of its business partner’s programs.

CSO has a diversified product portfolio with a common focus to serve its accounts, policyholders and agents with the highest level of service. CSO’s insurance products include:

Credit Insurance

CSO underwrites credit life and credit disability insurance; these product offerings are marketed by its business partners consisting of automobile dealerships and financial institutions. CSO is a top provider of credit insurance to the U.S. dealer market. CSO's extensive nationwide network of sales and training professionals and general agents allow for effective and responsive servicing of accounts.

Medicare Supplement

CSO has a history of issuing Medicare Supplement policies. Although a tactical decision was made in 2004 to discontinue its Medicare Supplement plans, in May 2018, CSO re-entered the Medicare Supplement business through a purchase agreement regarding the established Medicare Supplement business of Central States Indemnity (CSI). CSO assumed the ongoing management of the CSI and CSI Life Medicare Supplement policies in force, and is in the process of filling new Medicare Supplement plans of coverage. CSO utilizes external entities to both market and administer the Medicare Supplement business. The company looks to bring more senior oriented products to market and expand the opportunities for the agents which represent them.

Contractual Liability Insurance - Dealerships

Dealerships have the ability to provide incentives to customers wanting to trade their vehicle for a new one. Recognizing that in the event of an accident, a vehicle’s trade-in value may not be as much as expected, CSO and its subsidiary, Censtat Casualty Company, can help dealers design and price a program to provide a trade-in credit towards the customer’s next vehicle purchase. Censtat Casualty Company can provide indemnification, by way of a contractual liability policy, to the dealer for the risks related to diminished value of the vehicle due to an accident.

Contractual Liability Insurance - Lenders

Lenders have the ability to cancel the debt of their borrowers when certain events occur. CSO and its subsidiary companies will help lenders design and price debt cancellation programs structured to forgive debt due to the death, disability, or involuntary unemployment of the borrower. By issuing a contractual liability policy, CSO’s subsidiary company Censtat Casualty Company, can provide indemnification to the lender for risks related to the cancellation of the debt.

CSO boasts a strong and proud history. With over 85 years of experience in the business of extending various insurance products, CSO possesses the knowledge and skills required to extend superior service and products to its policyholders and business partners alike.

Please visit our website at www.cso.com to learn more about our company.  After doing so, we are sure you will want to explore our current opportunities and submit your resume online to hr@cso.com.

*A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet ongoing obligations to policyholders. This rating is fourth highest out of 16. For the latest rating, access www.ambest.com.



Employee Benefits

CSO is proud to provide its employees with a comprehensive and competitive benefit program. Some of the benefits include:

  • Health, Dental and Vision Plans
  • Health Savings Accounts
  • Flexible Spending Accounts
  • Life Insurance
  • Short Term Disability Income Replacement
  • Long Term Disability Insurance
  • Retirement (401-K) Plan
  • Voluntary Group Accident Coverage
  • Paid Time Off
  • Employee Assistance Program
  • Education Assistance
  • Drug Free / Smoke Free Campus

    In addition, CSO supports a flexible work schedule, provides an on-site fitness center and paid holidays

    Note: Certain eligibility criteria may be required. Employees may be required to share in the cost of the benefit(s).

    CSO is a drug free workplace and requires post offer drug testing. CSO does not hire individuals who utilize tobacco products in states permitting such practice. For information on what defines  use of tobacco products and those states permitting such practice, please contact Human Resources at (402) 399-3336, toll free at 800-826-6587, extension 3336 or visit CSO’s website at www.cso.com and click “About CSO” and then select careers.  Those applicants in need of reasonable accommodations to the application, the hiring process or the position applied, should communicate the request to Human Resources.

    Job offers are contingent upon the successful completion of our post-offer drug screen and a background check which includes criminal, education, and past employment. Some positions may also include credit and/or motor vehicle report. Criminal convictions do not necessarily prevent employment. Various factors may be considered including, but not limited to, the type of conviction and its relationship to the job, the nature and seriousness of any offense and the length of time since conviction. Applicants are not obligated to disclose any sealed criminal record.

    CSO is an Equal Opportunity Employer.

    Smoke/Drug Free Environment.

    Participates in E-Verify