Allmerica Financial Benefit Insurance Company: Customer Ratings & Reviews [2024]
Protect Your Future with Allmerica Financial Benefit Insurance Company - Comprehensive Life, Disability, and Long-Term Care Insurance.
Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
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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Allmerica Financial Benefit Insurance Company
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A (Excellent)Complaint Level:
LowPros
- Wide range of insurance products and services
- Positive customer reviews for exceptional service and quality products
- Multiple discounts available for customers to save on premiums
Cons
- Limited information available on the company website about specific products and services
- Rates may be higher than competitors for certain types of insurance
- Types of insurance offered by Allmerica Financial Benefit Insurance Company
- Keyword-optimized paragraph designed to increase conversion
Allmerica Financial Benefit Insurance Company provides comprehensive insurance products and services to customers across multiple states. With a focus on life, disability, and long-term care insurance, the company has received an A (Excellent) rating from A.M. Best and boasts a low complaint level. Customers have praised the company for its exceptional service and quality products, as well as the various discounts available to help them save on premiums. However, the company’s website lacks detailed information on specific products and services, and rates may be higher than competitors for certain types of insurance. Overall, Allmerica Financial Benefit Insurance Company is a reliable option for those seeking comprehensive insurance coverage.
What You Should Know About Allmerica Financial Benefit Insurance Company
Company contact information:
- Phone: 1-800-241-1188
- Email: Not provided on the website
- Address: Not provided on the website
Related parent or child companies:
- Allmerica Financial Corporation
Financial ratings:
- A.M. Best Rating: A (Excellent)
Customer service ratings:
- Positive customer reviews for exceptional service and quality products
Claims information:
- Claims can be filed online, by phone, or through a local agent.
Company apps:
- No information was provided on the website about company apps.
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Allmerica Financial Benefit Insurance Company Insurance Coverage Options
Allmerica Financial Benefit Insurance Company offers a range of insurance coverage options, primarily focusing on life, disability, and long-term care insurance. Here’s an overview of their coverage areas:
- Life Insurance: Allmerica offers life insurance policies that provide financial protection for your loved ones in the event of your death. They might offer term life insurance, whole life insurance, or universal life insurance, each with its own benefits and coverage terms.
- Disability Insurance: This type of insurance provides income replacement if you become disabled and can no longer work. It helps maintain your financial stability by providing a portion of your income in case of disability. (For more information, read our “Best Auto Insurance for Disabled Drivers”).
- Long-Term Care Insurance: Allmerica may offer comprehensive and limited benefit long-term care insurance, providing coverage for costs associated with long-term care services, such as nursing home care, assisted living, and in-home care.
These coverage options aim to provide financial security and support during life’s unexpected events. It’s always a good idea to directly contact the company or visit their website for detailed information on specific policies, coverage limits, terms, and conditions.
Read more:
- American Benefit Life Insurance Company: Customer Ratings & Reviews
- Allmerica Financial Alliance Insurance Company: Customer Ratings & Reviews
Allmerica Financial Benefit Insurance Company Insurance Rates Breakdown
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| Driver Profile | Allmerica Financial Benefit | National Average |
|---|---|---|
| Clean Record | $150 | $119 |
| 1+ Ticket | $170 | $147 |
| 1+ Accident | $190 | $173 |
| DUI | $220 | $209 |
| Poor Credit | $258 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Allmerica Financial Benefit Insurance Company Discounts Available
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| Discount | Allmerica Financial Benefit |
|---|---|
| Anti Theft | 15% |
| Good Student | 18% |
| Low Mileage | 10% |
| Paperless | 7% |
| Safe Driver | 12% |
| Senior Driver | 9% |
Allmerica Financial Benefit Insurance Company typically offers various discounts to help customers save on their insurance premiums. These discounts can vary based on the type of insurance and the specific policy. Here are some common discounts they might offer:
- Multiple Policy Discount: Combining multiple insurance policies, such as bundling auto and home insurance or life and disability insurance, often qualifies for a discount.
- Good Driver Discount: For auto insurance policies, maintaining a clean driving record without accidents or traffic violations may qualify you for a discount.
- Multi-Vehicle Discount: Insuring multiple vehicles under the same policy might lead to discounted rates.
- Payment Discounts: Some insurers offer discounts for paying premiums annually or via automatic payments.
- Safety Features Discount: For auto insurance, having safety features installed in your vehicle, like anti-theft devices or anti-lock brakes, might qualify for a discount.
- Loyalty Discounts: Being a long-term customer of Allmerica Financial Benefit Insurance Company may lead to loyalty discounts.
- Claims-Free Discount: If you haven’t filed any claims within a specified period, you might be eligible for a discount.
These discounts can help reduce insurance costs significantly. However, the availability of discounts can vary based on your location and the specific policy you’re interested in. For accurate and detailed information about available discounts and eligibility criteria, it’s best to contact Allmerica directly or request a quote from them.
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How Allmerica Financial Benefit Insurance Company Ranks Among Providers
Among its competitors, Allmerica Financial Benefit Insurance Company stands out as a provider specializing in comprehensive life, disability, and long-term care insurance. While it may not offer the breadth of products or services as some larger insurance companies like MetLife or Prudential, it excels in providing focused coverage in its specialized areas.
Here are a few considerations when comparing Allmerica to its competitors:
- Specialization: Allmerica focuses primarily on life, disability, and long-term care insurance, emphasizing quality products and services within these specific areas.
- A.M. Best Rating: Allmerica holds an A (Excellent) rating from A.M. Best, indicating its financial strength and stability.
- Customer Service: Customer reviews and feedback often praise Allmerica for exceptional service, quality products, and available discounts.
- Coverage Options: While Allmerica might offer a narrower range of insurance products compared to larger competitors like MetLife or State Farm, its specialization can provide more tailored and focused coverage within life, disability, and long-term care insurance.
- Competitive Pricing: Allmerica’s pricing may vary compared to its competitors. Sometimes, their rates could be higher or lower, depending on the specific insurance product and individual circumstances.
Each insurance provider has its strengths and areas of expertise. Allmerica’s focus on specific insurance types might make it an ideal choice for individuals seeking comprehensive coverage within those areas. However, for those looking for a wider array of insurance products, other companies like MetLife, Prudential, State Farm, Nationwide, or Allstate might offer more diverse options.
Frequently Asked Questions
Does Allmerica Financial Benefit Insurance Company offer discounts on multiple policies?
Yes, Allmerica Financial Benefit Insurance Company offers a multiple policy discount.
What types of annuities does Allmerica Financial Benefit Insurance Company offer?
Allmerica Financial Benefit Insurance Company offers fixed, indexed, and variable annuities.
Does Allmerica Financial Benefit Insurance Company offer long-term care insurance?
Yes, Allmerica Financial Benefit Insurance Company offers both comprehensive and limited benefit long-term care insurance.
Can I purchase insurance coverage from Allmerica Financial Benefit Insurance Company in all states?
Allmerica Financial Benefit Insurance Company provides coverage in multiple states, but their availability may be limited. It’s best to contact the company directly to inquire about the availability of their insurance products in your specific state.
What are the advantages of choosing Allmerica Financial Benefit Insurance Company
Allmerica Financial Benefit Insurance Company has received an A (Excellent) rating from A.M. Best, indicating their financial strength and stability. Customers have praised the company for its exceptional service, quality products, and various discounts available to help save on premiums. They specialize in comprehensive life, disability, and long-term care insurance.
Are there any penalties for canceling an insurance policy with Allmerica Financial Benefit Insurance?
Cancelation policies and potential penalties can vary depending on the terms and conditions of your specific insurance policy. It’s essential to review the policy documents or consult with an Allmerica representative to understand the cancelation process and any associated fees or penalties.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
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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