Continental General Insurance Company: Customer Ratings & Reviews [2024]

What You Should Know About Continental General Insurance Company

Continental General Life Insurance Oveview

Formerly a part of the American Financial Group, Continental General Insurance Company has flourished as an independent insurance company for over 50 years. Today, it sells term life, annuities, and long-term care insurance.

While the Continental General Insurance Company promises affordable rates, some customers report that prices increase after the first two years, especially for long-term care plans. Additionally, many Continental General Insurance Company customer service reviews state people are often disappointed with their service.

Despite some negative reviews, the only way to determine if a Continental General Insurance Company life insurance policy is right for you is to learn more. Explore Continental General Insurance Company options below, then compare quotes with as many companies as possible to find the best rates for you.

Shopping for Continental General Life Insurance Quotes

Continental General Insurance Company is a long-standing insurance company that offers term life insurance, annuities, and long-term care insurance. In short, this means that there are options to help you choose the policy that is best for you with Continental General Insurance. Kanawha Insurance Company merged with them just a couple of years ago.

What is Continental General Life Insurance availability by state?

With the Continental General Insurance Co headquarters based in Texas, the company covers 49 states, the District of Columbia, and the US Virgin Islands. They are consistently seeking expansion opportunities which may lead to more territories later.

All the way from the Continental General Insurance Company in Omaha, NE, to the Continental General Insurance Company in Cincinnati, OH, you’re in luck.

Continental General: Market Share

With a never-ending number of insurance companies to choose from, it’s important to know how your company stacks up to the competition.

Market Share for Continental General

Though Continental General Insurance Company doesn’t contribute to a significant market share in term or whole life policies, it is well-rounded and has a great hold of long term care insurance.

Continental General Insurance Company Insurance Coverage Options

You’ll find a few options when researching Continental General’s life insurance policies. They are known for providing term, annuities, and their special long-term care insurance options.

Continental General Insurance Company is clearly active with Accident & Health sales. More diversity can often mean a greater financial backing.

Continental General Insurance Company offers cost-efficient term life insurance and permanent life insurance. Their permanent life insurance policies include whole life insurance and universal life insurance. These insurance policies typically offer cash-value to help build equity while still investing in your beneficiaries.

While you pay out your premiums, which may be over a specific time-frame or for life, you can expect to pay significantly more for permanent life insurance when comparing those to term life insurance.

Annuities

Annuities are similar to permanent life insurance. The primary difference here is that an annuity is paid out to your beneficiaries in installments rather than one lump sum.

So if anything were to happen to you, your beneficiaries would expect to receive money for a previously-determined amount of time. What are the different types of annuities, anyway?

Long-Term Care Insurance

Continental General Insurance Company Long term care forms and policies are typically used in a few special circumstances such as old age and debilitating medical conditions. Long term care insurance helps policyholders who may need consistent help with common household or hygienic tasks such as showering, dressing, shaving, and more.

Since many long term care policyholders aren’t in great health, their insurance rates tend to be fairly substantial, with averages around $2700 per year, according to AARP.

Read more: How do you file a complaint against a long term care insurance company?

Life Insurance Riders

One of Continental General Insurance Company’s most popular riders is the inflation rider. This life insurance rider allows room for inflation to adjust the death benefit. This way, your beneficiaries will still get as much financial support as you felt necessary if inflation changes that amount.

Continental General also offers Medicare supplemental insurance policies to help adults that feel like their plan is insufficient. They also work with companies like Aetna if you happen to search for the Continental General Insurance Company Pensacola, Florida address, and have no luck.

How to Make a Continental General Life Insurance Claim

Filing claims with Continental General Insurance Company login or phone is easy. By calling 1-866-830-0607 and selecting option 3, you will be in direct contact with their claims department.

Need to cancel your Continental General Insurance Company policy? Find the appropriate phone number directly on their website to be sure you get the right department. Annuities and life policies will have separate numbers. Contractors may use the Continental General Insurance Company provider portal to help customers.

Continental General Insurance Company Insurance Rates Breakdown

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