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CSO Contracting & Appointment

MISSION: CSO exists to help people enhance their lives by offering quality products and services, thereby assisting people in minimizing their financial risks.

With two desks, two chairs and 100 people each willing to spend $11 on a hospitalization insurance policy T. L. Kizer founded Central States Health & Accident Association of Omaha. It was 1932, right in the middle of the Great Depression. Central States persevered, developing its product and services portfolio and growing its reserve base throughout the decades.

CSO’s history is rich with milestones, some of which include:

Celebrating its 25th anniversary in 1957, the year in which it changed its corporate charter and emerged with a new name Central States Health & Life Co. of Omaha (CSO).

Forming a subsidiary, Central States Indemnity (CSI) to focus on credit disability and unemployment insurance for bank credit card customers. Ultimately, CSI was purchased by Berkshire Hathaway Inc., strengthening CSO’s ability to compete in the insurance marketplace.

Deciding in the late 1990’s to place emphasis on its core business: debt protection. CSO sold its major medical business in 1999 and with the expanded ability of financial institutions to offer debt cancelation products in 2002 it developed an infrastructure enabling the company to support debt cancellation programs and indemnify lenders with contractual liability policies.

Establishing a significant credit insurance presence in the automobile dealership marketplace through the successful alliance with several national entities within the dealership industry.

Diversifying its product portfolio in 2018 by entering into a business purchase agreement to manage the established Medicare Supplement business of Central States Indemnity (CSI) and by working to file new CSO Medicare Supplement plans.

Developing a new dealership customer retention product allowing dealers to provide credit towards a new vehicle purchase when the protected trade-in vehicle has been damaged due to an accident.

CSO Products and State Availability

These are CSO's current products and state availability for 2020, as well as information on contracting and appointment.

Medicare Supplement

View this information as a web page.

State Availability

Current as of 08/03/2020


Plan Information

Current as of 06/02/2020

CSO offers standardized Medicare Supplement Plans – all with varying amounts of coverage. These plans are designed to fit various clients based on their budgets, needs and lifestyle. These plans vary in cost based on the specific plan and coverage selected by the client.
• Freedom to choose your provider.
• Household premium discount varies by state.
• Policy is guaranteed renewable if there are no material misrepresentations on application and premiums are paid on time.
• There is no waiting period for pre-existing conditions, and benefits are paid from the moment the member’s policy is in force.

Some information may vary by state. See state-specific information and rates.

Request a Product Kit for CSO Medicare Supplement

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

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CSO Documents

Explore our up to date library of tens of thousands of files from dozens of carriers, organized by state. Rate sheets, applications, underwriting guides, brochures, and more.

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Central States Health & Life