By complying with the HRC’s controversial demands, Mutual of Omaha increases the risk of dividing employees, alienating customers and harming shareholders. The company covers transgender-related medical costs for its employees and their children. It also uses sex and gender ideology criteria in employee recruitment, vendor selection, and philanthropic support. Mutual of Omaha forces employees to undergo multiple ideological trainings. The company does not provide viewpoint protections for its employees. However, it has not publicly terminated business relationships based on views or beliefs. Mutual of Omaha has not used its reputation or political contributions for ideological purposes For these reasons, Mutual of Omaha Insurance receives a Medium Risk rating.