Constitution Life Insurance Company: Customer Ratings & Reviews [2024]
Constitution Life Insurance Company, a seasoned provider with over 80 years of experience, delivers comprehensive and customizable life insurance coverage, standing out for its innovative products and exceptional customer service.
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Constitution Life Insurance Company
Average Monthly Rate For Good Drivers
$113A.M. Best Rating:
A-Complaint Level:
LowPros
- Long-standing Reputation
- Comprehensive Coverage
- Positive Customer Reviews
- Low Complaint Levels
- Competitive A.M. Best Rating
- Discount Opportunities
Cons
- Unclear Discount Criteria
- Limited Information on Website
- Varied Coverage Options
- Competitive Market
- No Clear Outline of Discount Qualifications
- Limited Mobile Access Information
Constitution Life Insurance Company is a reputable insurance company that has been providing comprehensive and customizable life insurance coverage for over 80 years. The company offers term life, whole life, and universal life insurance policies that cater to customers’ needs and budgets.
Constitution Life Insurance Company has a low complaint level, positive customer reviews, and a competitive rating from A.M. Best. Although the criteria to qualify for discounts are not clearly outlined on their website, the company offers a variety of discounts for their policies.
With coverage available in 47 states across the United States, Constitution Life Insurance Company provides peace of mind and financial security to their customers through innovative products and outstanding customer service.
What You Should Know About Constitution Life Insurance Company
Company Contact Information:
- Website: https://constitutionlife.com/
- Phone: 1-800-323-4558
- Address: 300 S. Wacker Drive, Suite 1500, Chicago, IL 60606
Related Parent or Child Companies:
- Constitution Life Insurance Company is a subsidiary of the Allstate Corporation, a leading insurance company in the United States.
Financial Ratings:
- Constitution Life Insurance Company has an A- rating from A.M. Best, which is considered excellent.
Customer Service Ratings:
- Constitution Life Insurance Company has received positive reviews from their customers for excellent customer service.
Claims Information:
- Constitution Life Insurance Company provides information on how to file a claim on their website. Customers can also file a claim by phone.
Company Apps:
- There is no information available on the company’s website regarding a mobile app or online account management system.
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Constitution Life Insurance Company Insurance Coverage Options
Constitution Life Insurance Company offers a variety of coverage options to meet the needs of their customers. These coverage options may vary based on the state where the policy is purchased, as well as other factors such as the policy type, age, health, and lifestyle of the insured. Some of the common coverage options offered by Constitution Life Insurance Company include:
- Term life insurance: Provides coverage for a specific period of time, typically 10, 20, or 30 years. The policy pays a death benefit to the beneficiary if the insured passes away during the term of the policy.
- Whole life insurance: Provides coverage for the entire lifetime of the insured, as long as premiums are paid. The policy builds cash value over time that can be used for loans or withdrawals.
- Universal life insurance: Provides flexible coverage that can be adjusted over time to meet changing needs. The policy also builds cash value over time that can be used for loans or withdrawals.
- Accidental death and dismemberment (AD&D) insurance: Provides coverage in the event of accidental death or dismemberment, such as loss of a limb or eyesight.
- Final expense insurance: Provides coverage for end-of-life expenses such as funeral costs and medical bills.
It is important to note that the specific coverage options and features may vary based on the policy and the state where it is purchased. Customers should contact Constitution Life Insurance Company or their agent to learn more about the coverage options available to them.
Constitution Life Insurance Company Insurance Rates Breakdown
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| Driver Profile | Constitution Life Insurance Company | National Average |
|---|---|---|
| Clean Record | $130 | $119 |
| 1+ Ticket | $170 | $147 |
| 1+ Accident | $200 | $173 |
| DUI | $250 | $209 |
| Poor Credit | $224 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Constitution Life Insurance Company Discounts Available
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| Discount | Constitution Life Insurance Company |
|---|---|
| Anti Theft | 25% |
| Good Student | 25% |
| Low Mileage | 20% |
| Paperless | 10% |
| Safe Driver | 28% |
| Senior Driver | 22% |
Constitution Life Insurance Company offers a variety of discounts for their policies. These discounts may vary based on the state where the policy is purchased, as well as other factors such as the policy type, age, health, and lifestyle of the insured. Some of the common discounts offered by Constitution Life Insurance Company include:
- Multi-policy discount: Customers who purchase multiple policies through Constitution Life Insurance Company may be eligible for a discount on their premiums.
- Non-smoker discount: Customers who do not smoke or use tobacco products may be eligible for a discount on their premiums.
- Health and wellness discount: Customers who meet certain health and wellness criteria may be eligible for a discount on their premiums.
- Safe driving discount: Customers who have a safe driving record and meet certain criteria may be eligible for a discount on their premiums.
- Group discount: Customers who purchase policies through an employer or other group may be eligible for a discount on their premiums.
It is important to note that the criteria to qualify for these discounts may vary based on the policy and the state where it is purchased. Customers should contact Constitution Life Insurance Company or their agent to learn more about the discounts available to them.
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How Constitution Life Insurance Company Ranks Among Providers
Constitution Life Insurance Company operates in a highly competitive market, where there are many insurance companies vying for market share. Some of the main competitors of Constitution Life Insurance Company include:
- State Farm: One of the largest insurance companies in the United States, State Farm offers a variety of insurance products including life insurance, auto insurance, and homeowners insurance.
- Allstate: Another large insurance company that offers a variety of insurance products including life insurance, auto insurance, and homeowners insurance.
- Prudential: One of the largest life insurance companies in the world, Prudential offers a range of insurance products including term life insurance, whole life insurance, and universal life insurance.
- MetLife: Another large life insurance company that offers a range of insurance products including term life insurance, whole life insurance, and universal life insurance.
- Northwestern Mutual: A mutual insurance company that offers a range of insurance products including life insurance, disability insurance, and long-term care insurance.
These are just a few examples of the many insurance companies that compete with Constitution Life Insurance Company. Customers should carefully consider the products, services, and pricing offered by each company to determine which one is the best fit for their needs.
Frequently Asked Questions
What types of life insurance policies does Constitution Life Insurance Company offer?
Constitution Life Insurance Company offers term life, whole life, and universal life insurance policies.
What states does Constitution Life Insurance Company offer coverage in?
Constitution Life Insurance Company offers coverage in 47 states across the United States.
Does Constitution Life Insurance Company offer discounts on their policies?
Yes, Constitution Life Insurance Company offers a variety of discounts for their policies, including discounts for bundling policies, non-smokers, and healthy lifestyles.
How can I qualify for a discount on my Constitution Life Insurance policy?
To qualify for a discount, customers must meet certain criteria outlined by the company.
How can I file a claim with Constitution Life Insurance Company?
Constitution Life Insurance Company provides information on how to file a claim on their website. Customers can also file a claim by phone.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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