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Central States Health & Life Co.

CareerLink – Employer Profile


CSO is a mutually owned insurance company specializing in the debt protection market. The company's vision is to be the leader in debt protection products by providing innovative solutions and value to its client institutions, agents, customers and policyholders.


A solid history of successful business practice has provided CSO with an exceptionally strong financial base. CSO's retained earnings exceed $215,000,000.


CSO is uniquely positioned to capitalize on the dual focus of credit insurance products and debt cancellation programs. These product offerings are marketed by its business partners consisting of automobile dealerships and financial institutions. CSO's extensive nationwide network of sales and training professionals and general agents allow for effective and responsive servicing of accounts.


CSO boasts a strong and proud history. With over 85 years of experience in the business of protecting debt, the company now supports approximately 3,000 automobile dealerships, financial institutions; CSO is considered to be the top provider of credit insurance products to the U.S. dealer market. The company services over 500,000 active credit life and disability policies/certificates and debt cancellation contracts.  CSO possesses the knowledge and skills required to extend superior service and products to its policyholders and business partners alike.


CSO and its subsidiaries, Censtat Life Assurance Company and Censtat Casualty Company, have a Best's credit rating of A- (Excellent)*. For the latest rating, go to www.ambest.com. In 2012, CSO has successfully completed annual Service Organization Control (SOC) audits since 2012.  CSO's SOC-1 audit report covers the financial, information systems controls and related applications used by CSO for administration of its business partner’s programs.


Based in Omaha, Nebraska, CSO employs approximately 130 individuals who are dedicated to supporting the needs of the company’s client institutions, agents, customers and policyholders. CSO is proud to be a primary founder of workplace wellness and promotes a drug and alcohol free work environment.


CSO conducts business in every state (except New York), as well as the District of  Columbia, Guam, and Saipan. The company strives to be the provider of choice in the debt protection market with its motto, "To Care is To Grow" the guiding philosophy behind how business is done.


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.



Central States Health & Life is proud to provide their employees with a comprehensive and competitive benefit program. Some of the benefits include:

Health Plans:

  •  Health
  •  Dental
  •  Prescription Drug Program
  •  Vision Care

Flexible Spending Accounts:

  •  Medical
  •  Dependent Care

Life & Disability Plans:

  •  Short Term Disability Income
  •  Long Term Disability Insurance
  •  Basic Life and AD& D Insurance
  •  Voluntary Life Insurance

Retirement Plans:

  •  401(k) Savings Plan with Employer Match
  •  Progress Sharing

Work & Family / Wellness:

  •  Paid Time Off Program
  •  Bereavement Program
  •  Paid Holidays
  •  Employee Assistance Program
  •  Flexible Work Hours
  •  Onsite Fitness Facility
  •  Drug Free / Smoke Free Campus

Career Development:

  •  Tuition Reimbursement
  •  Professional / Industry Supported Training
  •  Employee Referral Bonus Program
  •  Internal Job Posting


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


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 on careers.


All employment offers are contingent upon an acceptable post-offer drug screen and a background check, which includes criminal, education, and past employment. Depending upon the nature of the position, credit and/or motor vehicle checks are also included.


CSO is an Equal Opportunity Employer.

Smoke/Drug Free Environment.

Participates in E-Verify


*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.