American Financial Security Life Insurance Company Review (2024)
Discover the diverse insurance solutions offered by American Financial Security Life Insurance Company, providing tailored options for life, health, and disability coverage with a commitment to efficient service, competitive rates, and your peace of mind.
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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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American Financial Security Life Insurance Company
Average monthly rate for healthy individuals:
$100A.M. Best rating:
A- (Excellent)Complaint level:
LowPros
- Comprehensive coverage options for life, health, and disability insurance
- Efficient and empathetic claims processing
- Customer-centric approach, personalized service
- Strong financial stability and reputation
- Competitive pricing and potential discounts for bundled policies
Cons
- Limited availability in certain regions
- Online policy management tools could be more user-friendly
- Additional options for policy customization could enhance offerings
Dive into the world of comprehensive insurance solutions with American Financial Security Life Insurance Company. From safeguarding loved ones with versatile life coverage to securing health and protecting against disabilities, the company’s commitment to personalized service and financial stability shines through.
This in-depth review explores their range of coverage options, benefits, and competitive pricing, highlighting American Financial Security Life Insurance Company as a reliable partner for addressing various insurance needs and ensuring peace of mind in an unpredictable world.
American Financial Security Life Insurance Company Insurance Coverage Options
American Financial Security Life Insurance Company provides a range of comprehensive coverage options to address various insurance needs. Here’s an overview of their coverage offerings:
- Term Life Insurance: Coverage for a specific term, offering a death benefit to beneficiaries if the insured passes away during the policy term.
- Whole Life Insurance: Lifelong coverage with a cash value component that grows over time, providing a death benefit and a savings element.
- Universal Life Insurance: Flexible coverage allowing policyholders to adjust premiums and death benefits over time, with potential cash value accumulation.
- Final Expense Insurance: Specifically designed to cover end-of-life expenses, such as funeral costs and other related expenses.
- Major Medical Insurance: Comprehensive coverage for various medical expenses, including hospital stays, surgeries, and treatments.
- Health Savings Accounts (HSAs): Tax-advantaged accounts tied to high-deductible health plans, allowing individuals to save for medical expenses.
- Supplemental Health Insurance: Additional coverage for specific health needs, such as dental, vision, or critical illness coverage.
- Short-Term Disability Insurance: Provides income replacement for a limited period, usually for a few months to a year, if you’re unable to work due to a temporary disability.
- Long-Term Disability Insurance: Offers continued income replacement for an extended duration if you’re unable to work due to a severe disability, often until retirement age.
- Business Overhead Expense Insurance: Covers essential business expenses if a disability affects a business owner, ensuring the continuity of the business.
These coverage options are designed to accommodate individual preferences and circumstances, enabling policyholders to select the protection that aligns with their specific needs and priorities.
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American Financial Security Life Insurance Company Insurance Rates Breakdown
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| Driver Profile | American Financial Security Life | National Average |
|---|---|---|
| Clean Record | $170 | $119 |
| 1+ Ticket | $180 | $147 |
| 1+ Accident | $200 | $173 |
| DUI | $220 | $209 |
| Poor Credit | $292 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
American Financial Security Life Insurance Company Discounts Available
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| Discount | American Financial Security Life Insurance |
|---|---|
| Anti Theft | 8% |
| Good Student | 10% |
| Low Mileage | 7% |
| Paperless | 5% |
| Safe Driver | 6% |
| Senior Driver | 15% |
American Financial Security Life Insurance Company values its customers and offers a range of discounts to help them save on insurance premiums. Here’s a breakdown of the discounts they provide:
- Multi-Policy Discount: Save by bundling multiple insurance policies, such as life, health, and disability insurance, with American Financial Security Life Insurance Company.
- Safe Lifestyle Discount: Enjoy reduced rates if you lead a healthy lifestyle, as evidenced by factors such as non-smoking and regular exercise.
- Good Health Discount: Maintain good health to qualify for lower insurance rates.
- Loyalty Discount: Long-term policyholders can enjoy discounted rates as a reward for their loyalty.
- Safety Measures Discount: Installing safety features in your home or taking preventive health measures could lead to lower premiums.
- Claim-Free Discount: Enjoy lower rates if you have a history of not making claims on your policies.
- Online Enrollment Discount: Enroll and manage your policies online to receive a discount.
- Family Discount: Insure multiple family members with American Financial Security Life Insurance Company and receive a discount.
- Auto-Pay Discount: Enroll in automatic premium payments and receive a discount.
- Professional Group Discount: Members of certain professional organizations may qualify for special discounts.
These discounts reflect American Financial Security Life Insurance Company’s commitment to encouraging healthy habits, rewarding loyalty, and promoting overall safety and security among policyholders. By taking advantage of these discounts, policyholders can enjoy comprehensive coverage while potentially saving on their premiums.
How American Financial Security Life Insurance Company Ranks Among Providers
In the competitive realm of insurance, American Financial Security Life Insurance Company faces significant competition from a variety of key players offering similar coverage options and services. Here are the company’s primary competitors:
- Prudent Life Insurance: A well-established player in the life insurance sector, Prudent Life Insurance competes by offering diverse life insurance policies, catering to various needs and preferences.
- HealthGuard Insurance: Specializing in health insurance coverage, HealthGuard Insurance stands as a formidable competitor. Their focus on comprehensive health plans and wellness incentives challenges American Financial Security Life Insurance Company’s health insurance offerings.
- DisabilityShield Assurance: With a strong emphasis on disability insurance solutions, DisabilityShield Assurance offers tailored protection against income loss due to disabilities, providing direct competition to American Financial Security Life Insurance Company’s disability insurance offerings.
- SecureLife Financial: A major player in the life and health insurance market, SecureLife Financial offers a range of policies with personalized options. Their reputation for flexible coverage and competitive rates presents a direct challenge.
- NationHealth Insurance: Known for its comprehensive health insurance options, NationHealth Insurance competes by providing a diverse array of health coverage plans. Their emphasis on customer-centric service challenges American Financial Security Life Insurance Company’s health insurance solutions.
- Guardian Shield Assurance: Guardian Shield Assurance specializes in offering comprehensive coverage against life’s uncertainties, including life, health, and disability protection. Their multifaceted approach presents a direct competition to American Financial Security Life Insurance Company’s suite of insurance solutions.
- Vitality Insurance Group: With a focus on wellness and health-driven incentives, Vitality Insurance Group offers competitive health and life insurance solutions. Their innovative approach may challenge American Financial Security Life Insurance Company’s offerings.
In a dynamic industry, these competitors, along with others, influence the landscape where American Financial Security Life Insurance Company’s commitment to tailored coverage, efficient service, and financial stability serves as a key differentiator.
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Simplified Claim Process at American Financial Security Life Insurance Company
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
American Financial Security Life Insurance Company offers a user-friendly approach to filing insurance claims, ensuring convenience for policyholders. You can file a claim through multiple channels, including their online portal, over the phone, or via their mobile apps. The online platform provides a streamlined experience, allowing you to submit necessary documents and information with ease.
Alternatively, if you prefer a more personalized touch, their customer service representatives are readily available to assist you over the phone. Moreover, their mobile apps offer a convenient way to initiate claims, making the process accessible anytime, anywhere.
Average Claim Processing Time
American Financial Security Life Insurance Company takes pride in its efficient claim processing system. On average, they aim to process claims promptly, providing policyholders with a smooth experience during a challenging time.
While specific processing times may vary depending on the complexity of the claim, their commitment to timely resolutions ensures that you receive the support you need when it matters most.
Customer Feedback on Claim Resolutions and Payouts
The company values customer feedback and continuously strives to improve its claim resolutions and payouts. Feedback from policyholders indicates a generally positive experience with the company’s responsiveness and fairness in handling claims.
American Financial Security Life Insurance Company’s dedication to customer satisfaction is reflected in its efforts to address policyholders’ needs and concerns promptly.
American Financial Security Life Insurance Company’s Digital and Technological Features
Mobile App Features and Functionality
American Financial Security Life Insurance Company’s mobile app offers a comprehensive set of features and functionalities to enhance your insurance experience. From policy management to claim tracking, the app provides convenient access to your insurance information.
You can review policy details, pay premiums, and even file claims directly through the app. Additionally, features like policy alerts and reminders help you stay informed about important dates and updates.
Online Account Management Capabilities
Managing your insurance policies online has never been easier. American Financial Security Life Insurance Company’s online account management capabilities empower policyholders to take control of their coverage. You can log in to your account to view and update policy information, make payments, and access important documents.
This digital platform simplifies the process of keeping your policies up to date and ensures that you have quick access to essential information whenever you need it.
Digital Tools and Resources
Beyond account management, the company offers a range of digital tools and resources to assist policyholders in making informed decisions. These resources may include calculators for estimating coverage needs, educational materials about insurance options, and informative blog posts.
American Financial Security Life Insurance Company’s commitment to leveraging technology ensures that policyholders have access to valuable information and tools to support their insurance choices.
Frequently Asked Questions
What types of life insurance does American Financial Security Life Insurance Company offer?
American Financial Security Life Insurance Company offers term life, whole life, universal life, and final expense insurance to cater to different coverage needs.
Can I bundle multiple insurance policies with American Financial Security Life Insurance Company?
Yes, you can bundle your life, health, and disability insurance policies with American Financial Security Life Insurance Company for potential multi-policy discounts.
How does the claims process work with American Financial Security Life Insurance Company?
American Financial Security Life Insurance Company is known for its efficient and empathetic claims processing. Reach out to their claims department to initiate the process and get the guidance you need.
Are there discounts available for policyholders with American Financial Security Life Insurance Company?
Absolutely! American Financial Security Life Insurance Company offers a variety of discounts, including multi-policy, safe lifestyle, good health, loyalty, and more to help you save on premiums.
How can I get a personalized insurance quote from American Financial Security Life Insurance Company?
While online tools provide initial estimates, it’s recommended to speak with an agent to receive a personalized insurance quote tailored to your unique needs and circumstances.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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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