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

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

A solid history of successful business practice has provided an exceptionally strong financial base.  

With over 80 years in the business, CSO supports over 3,000 financial institutions and automobile dealerships and is a top provider of debt protection in the dealer market in the United States. The number of in-force credit life and/or disability policyholders exceeds 500,000 and more than 23,000 insurance certificates are processed on a monthly basis. 

Based in Omaha, Nebraska, CSO employs approximately 130 people and is licensed in every state except New York. CSO is also licensed in Guam, Saipan and the District of Columbia. The company strives to be the provider of choice in the debt protection market. Our motto, "To Care is To Grow,"​ remains the guiding philosophy behind how we do business.

Insurance

Central States Health & Life Co. of Omaha

Matt Kizer

Steve Speciale Sr.

Tyge Rowen

Scott Sexson

Jeff Hageman

Todd Nussbaum

Jill Burns

Ed Kizer

Nicholas Stark

Jennifer van Haute

Lynette Maneman

David Scholl

The Actuarial and Risk Analysis team at Central States Health & Life Co. of Omaha plays a crucial role in assessing the financial risks associated with debt protection products. They utilize advanced statistical models to evaluate premium pricing, reserve requirements, and overall product profitability, ensuring that the company maintains a strong financial position while meeting regulatory standards. This team collaborates closely with other departments to develop innovative solutions that enhance product offerings and support the company’s mission of providing value to lenders, agents, customers, and policyholders.

Actuarial and Risk Analysis

Sales and Marketing

Leadership Team

Insurance Operations

Actuarial and Risk Analysis

About

Team members

Other teams at Central States Health & Life Co. of Omaha

Sales and Marketing

Leadership Team

Insurance Operations