CSO is Celebrating
90 Years in 2022! ​
Click Here 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.
T.L. Kizer, Founder
Click Here A Dental, Vision and Hearing Policy from CSO
provided us coverage for the services we needed.
Click Here This was a big decision for us. We made the
right decision to protect our loan payments
with CSO’s credit insurance.
Click Here Our lender’s Debt Cancellation program safeguards our loan.
It’s peace of mind knowing if something happen to either of us,
our loan payments are protected.



Support and information on CSO's Medicare Supplement Plans.


Programs to protect your borrowers and your loan portfolio.


Offerings to generate additional loan volume while extending valuable programs to your members.


Products which help protect your customer's loan and vehicle investment.

Who is CSO?

CSO is a mutually owned insurance company with a solid history of successful business practice.  CSO possesses an exceptionally strong financial base and in 2021, CSO and its subsidiaries, Censtat Life Assurance Company and Censtat Casualty Company, were assigned an AM Best Financial Strength credit rating of A- (Excellent)*.  CSO has a diversified product portfolio with a common focus to serve its accounts, policyholders and agents with the highest level of service.

*AM Best’s Financial Strength Rating is an independent opinion of an insurer’s financial strength and ability to meet ongoing obligations to policyholders.  For the latest rating, access www.ambest.com.

The information contained in this website is for general information purposes only. The information is provided by Central States Health & Life Co. of Omaha and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

Through this website you are able to link to other websites which are not under the control of Central States Health & Life Co. of Omaha. We have no control over the nature, content and availability of those sites. This inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

Every effort is made to keep the website up and running smoothly. However, Central States Health & Life Co. of Omaha takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.