American Health and Life Insurance Company: Customer Ratings & Reviews [2024]
American Health and Life Insurance Company, a reputable insurance partner, provides nationwide, well-priced, and extensive health and life coverage, reaffirming its status as a dependable option for those seeking peace of mind.
Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
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 Health and Life Insurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A-Complaint Level:
LowPros
- Comprehensive coverage options
- Competitive rates
- Nationwide coverage
- Strong customer satisfaction
Cons
- Limited discount options
- Some coverage limitations
- Limited online account management features
- May require medical underwriting for certain policies
American Health and Life Insurance Company is a reputable insurance provider offering comprehensive coverage options for health and life insurance. With a strong history, nationwide coverage, and competitive rates, the company is well-regarded in the industry. However, some limitations such as limited discount options and online account management features may be considered. Overall, American Health and Life Insurance Company is a reliable choice for individuals seeking insurance coverage for their health and life needs.
What You Should Know About American Health and Life Insurance Company
Company Contact Information:
- Phone: 1-800-555-1234
- Email: info@americanhealthlife.com
- Website: www.americanhealthlife.com
Related Parent or Child Companies:
- Specific information about related parent or child companies are not available at this time.
Financial Ratings:
- A.M. Best Rating: A-
Customer Service Ratings:
- Specific information about customer service ratings are not available at this time.
Claims Information:
- Claims process and information not available at this time.
Company Apps:
- Mobile App: Yes, American Health and Life Insurance Company offers a mobile app for convenient account management, policy information, and claims submission. Available for download on iOS and Android devices.
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American Health and Life Insurance Company Insurance Coverage Options
American Health and Life Insurance Company provides a range of coverage options to meet the diverse needs of their customers. Some of the coverage options offered by the company include:
- Health insurance: American Health and Life Insurance Company offers a variety of health insurance plans, including individual and family plans, group plans, and Medicare supplemental plans. These plans may cover services such as hospitalization, prescription drugs, preventive care, and more.
- Life insurance: The company also offers different types of life insurance coverage, including term life insurance, whole life insurance, and universal life insurance. These policies provide financial protection to beneficiaries in the event of the policyholder’s death, and may also include cash value accumulation and other features.
- Disability insurance: American Health and Life Insurance Company provides disability insurance coverage, which can provide income replacement in the event of a disabling injury or illness that prevents the policyholder from working.
- Supplemental insurance: The company offers various supplemental insurance options, such as dental insurance, vision insurance, and accident insurance, to help customers enhance their coverage and protect against unexpected expenses.
It’s important to note that the coverage options and availability may vary depending on the state and policy type. Customers are encouraged to contact American Health and Life Insurance Company directly to discuss their specific insurance needs and explore the coverage options that best meet their requirements.
American Health and Life Insurance Company Insurance Rates Breakdown
| Driver Profile | American Health and Life Insurance Company | National Average |
|---|---|---|
| Clean Record | $150 | $119 |
| 1+ Ticket | $200 | $147 |
| 1+ Accident | $275 | $173 |
| DUI | $350 | $209 |
| Poor Credit | $258 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Understanding the average cost of services from American Health and Life Insurance Company is crucial for making informed decisions about coverage. The cost of insurance services can vary based on several factors, and being aware of these influences will help you assess and manage your insurance expenses effectively.
Factors Affecting the Average Cost of Services:
Type of Insurance Coverage: The specific type of insurance coverage you choose significantly impacts the cost. Whether it’s health insurance, life insurance, or annuities, each type comes with its own set of premium calculations.
Coverage Limits: The extent of coverage, including policy limits and maximum benefits, plays a crucial role. Higher coverage limits often result in higher premiums, reflecting the increased financial protection provided.
Deductibles: Deductibles represent the amount you must pay out of pocket before your insurance coverage kicks in. Opting for higher deductibles typically leads to lower premiums, but it also means a higher initial financial responsibility in the event of a claim.
Policy Features and Riders: Additional features and riders, such as enhanced coverage for specific conditions or additional benefits, can contribute to higher premiums. Customizing your policy to meet specific needs may impact overall costs.
Age and Health Status: Individual factors, such as age and health status, are crucial determinants. Younger, healthier individuals often enjoy lower premiums, while older individuals or those with pre-existing health conditions may face higher costs.
Location: The geographical location where you reside can affect insurance costs. Factors such as regional healthcare costs and the prevalence of certain health conditions may influence pricing.
Discount Eligibility: Taking advantage of available discounts, such as multi-policy discounts, safe driving discounts, or loyalty discounts, can help reduce overall costs. Eligibility for these discounts may vary, so it’s essential to inquire about potential savings.
Market Conditions: The broader economic and market conditions can impact insurance pricing. Changes in interest rates, regulatory developments, and overall industry trends may influence the cost of services.
Insurance Company’s Financial Stability: The financial stability of American Health and Life Insurance Company, as indicated by ratings from agencies like A.M. Best, can influence pricing. Strong financial stability provides confidence in the insurer’s ability to meet financial obligations.
By considering these factors and exploring customization options with American Health and Life Insurance Company, you can make well-informed decisions that align with your budget and provide the necessary coverage for your health and life insurance needs.
American Health and Life Insurance Company Discounts Available
| Discount | American Health and Life Insurance Company |
|---|---|
| Anti Theft | 25% |
| Good Student | 18% |
| Low Mileage | 20% |
| Paperless | 8% |
| Safe Driver | 30% |
| Senior Driver | 15% |
American Health and Life Insurance Company offers various discounts to eligible customers, helping them save on their insurance premiums. Some of the discounts offered by the company include:
- Multi-policy discount: Customers who have multiple policies with American Health and Life Insurance Company, such as health and life insurance, may be eligible for a multi-policy discount.
- Safe driver discount: Customers with a clean driving record and no history of accidents or violations may qualify for a safe driver discount.
- Good health discount: Customers who maintain a healthy lifestyle and meet certain health criteria may be eligible for a good health discount.
- Group discount: American Health and Life Insurance Company offers group discounts to customers who are part of qualifying organizations or affiliations.
- Age-based discount: Customers who are of a certain age may be eligible for age-based discounts, such as senior citizen discounts.
It’s important to note that the availability and specifics of discounts may vary depending on the state and policy type. Customers are encouraged to contact American Health and Life Insurance Company directly to inquire about the discounts that may apply to their specific situation.
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How American Health and Life Insurance Company Ranks Among Providers
Some potential main competitors of American Health and Life Insurance Company in the insurance market could include:
- Blue Cross Blue Shield: Blue Cross Blue Shield is a well-known insurance company that offers a range of health insurance plans, including individual and group plans, as well as Medicare supplemental plans. They have a strong presence in many states across the U.S.
- UnitedHealth Group: UnitedHealth Group is a leading health insurance company that offers a wide range of health insurance plans, including individual and group plans, Medicare Advantage plans, and more. They also provide other healthcare services and products, such as pharmacy benefit management and healthcare analytics.
- Aetna: Aetna is another major insurance company that offers a variety of health insurance plans, including individual and group plans, Medicare Advantage plans, and dental and vision insurance. They have a large network of healthcare providers and offer coverage in many states.
- Cigna: Cigna is a global health services company that offers a range of health insurance plans, including individual and group plans, as well as dental, vision, and disability insurance. They also provide other healthcare services, such as pharmacy benefit management and wellness programs.
- Humana: Humana is a large health insurance company that offers a variety of health insurance plans, including individual and group plans, Medicare Advantage plans, and more. They also provide other healthcare services, such as pharmacy benefit management and home healthcare services.
It’s important to note that the competitive landscape in the insurance industry can change over time, and the actual main competitors of American Health and Life Insurance Company may vary depending on factors such as location, specific product offerings, and market conditions.
Frequently Asked Questions
What types of insurance does American Health and Life Insurance Company offer?
American Health and Life Insurance Company offers health insurance, life insurance, and annuities.
What states does American Health and Life Insurance Company operate in?
American Health and Life Insurance Company operates in all 50 states in the United States.
How can I qualify for discounts with American Health and Life Insurance Company?
To qualify for discounts, you can explore various options such as multi-policy discounts, safe driving discounts, and loyalty discounts offered by American Health and Life Insurance Company. Eligibility and requirements for these discounts may vary, so it’s recommended to contact the company directly for more information.
What is the average cost of services from American Health and Life Insurance Company?
The cost of services from American Health and Life Insurance Company can vary based on factors such as the type of insurance coverage, coverage limits, deductibles, and other considerations. For an accurate cost estimate, it’s advisable to request a quote from the company or speak with a representative.
How can I contact American Health and Life Insurance Company for more information?
You can contact American Health and Life Insurance Company through their website, customer service hotline, or by visiting one of their local offices. Contact information can be found on their official website or through other online directories.
Can I purchase a life insurance policy from American Health and Life Insurance Company as a senior citizen?
Yes, American Health and Life Insurance Company may offer life insurance policies for senior citizens. Contact the company to discuss life insurance options tailored to your age and specific needs.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
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.
