Assurity Life Insurance Company Review (2024)
Assurity Life Insurance Company, with its legacy of customer-centricity and commitment to financial stability, stands as a reliable shield in the realm of life insurance, ensuring a secure and tailored path towards a protected financial future for policyholders.
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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Assurity Life Insurance Company
Average Monthly Rate For Good Drivers
$63A.M. Best Rating:
A-Complaint Level:
LowPros
- Diverse Range of Insurance Policies
- Strong Financial Standing
- Excellent Customer Support
- Customizable Policy Options
- Competitive Premiums
Cons
- Limited Availability in Some Regions
- Few Online Account Management Features
- Limited Investment Opportunities
Within the domain of life insurance, Assurity Life Insurance Company emerges as a reliable ally for safeguarding the future. Providing a wide spectrum of coverage choices, Assurity represents a guiding light in terms of financial stability.
With a history steeped in trust and a commitment to customer support, their policies provide not just coverage, but peace of mind. Assurity’s competitive premiums, customizable policies, and strong financial standing make them a reliable choice for individuals seeking personalized insurance solutions.
With discounts for healthy lifestyles and responsible behaviors, Assurity ensures that financial protection is accessible to all. In a world of uncertainties, Assurity remains a steady pillar, ready to support and safeguard dreams for generations to come.
Assurity Life Insurance Company Insurance Coverage Options
Assurity Life Insurance Company provides a comprehensive range of coverage options to cater to various needs and preferences. Whether you’re looking for temporary protection, lifelong security, or flexible policies, Assurity has you covered. Here are the coverage options offered:
- Term Life Insurance: Assurity’s Term Life Insurance offers coverage for a specific period, providing financial protection to your loved ones in the event of your passing. This option is ideal for individuals seeking affordable coverage with the flexibility to choose policy lengths that match their needs.
- Whole Life Insurance: For those who want lifelong coverage combined with a savings component, Assurity’s Whole Life Insurance is a compelling choice. This policy not only provides a death benefit but also accumulates cash value over time, which can be utilized for various financial needs.
- Universal Life Insurance: Assurity’s Universal Life Insurance offers flexibility in premium payments and coverage amounts. This option allows policyholders to adjust their coverage and premiums as their circumstances change, while also providing the potential for cash value growth.
These coverage options empower individuals to select the insurance solution that aligns with their goals, financial situation, and family’s needs. Whether you’re focused on short-term protection or building a long-lasting financial safety net, Assurity’s range of options ensures that you can make the right choice for your future.
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Assurity Life Insurance Company Insurance Rates Breakdown
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| Driver Profile | Assurity Life Insurance | National Average |
|---|---|---|
| Clean Record | $96 | $119 |
| 1+ Ticket | $125 | $147 |
| 1+ Accident | $188 | $173 |
| DUI | $292 | $209 |
| Poor Credit | $165 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Assurity Life Insurance Company Discounts Available
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| Discounts | Assurity Life Insurance |
|---|---|
| Anti Theft | 15% |
| Good Student | 18% |
| Low Mileage | 12% |
| Paperless | 7% |
| Safe Driver | 18% |
| Senior Driver | 10% |
Assurity Life Insurance Company recognizes the importance of making life insurance coverage as affordable as possible for their policyholders. To that end, they offer a range of discounts that can help you save on your premiums while maintaining the level of protection you need. Here are the discounts provided by Assurity:
- Multi-policy Discount: Bundling multiple insurance policies, such as auto and home insurance, with Assurity can lead to significant savings on your life insurance premiums.
- Healthy Lifestyle Discount: Assurity values healthy living. If you maintain a healthy lifestyle, such as participating in regular exercise and having a balanced diet, you might be eligible for a discounted premium rate.
- Non-smoker Discount: If you’re a non-smoker, Assurity rewards your commitment to a smoke-free lifestyle with reduced premium rates on your life insurance policy.
- Preferred Health Discount: Policyholders who are in excellent health may qualify for the Preferred Health Discount, which provides lower premium rates as a reflection of your well-being.
- Good Driving Record Discount: If you have a clean driving record, you may be eligible for a discount on your life insurance premiums, showcasing Assurity’s commitment to promoting safe and responsible behaviors.
These discounts demonstrate Assurity’s dedication to offering affordable coverage options that reward responsible choices and healthy living. By taking advantage of these discounts, you can secure the protection you need while enjoying the financial benefits of responsible lifestyle choices.
How Assurity Life Insurance Company Ranks Among Providers
In the highly competitive world of life insurance, Assurity Life Insurance Company faces competition from several other reputable insurance providers. These competitors offer their own unique strengths and coverage options. Here are some of the main competitors of Assurity:
- Prudential Financial: Prudential is a well-established player in the insurance industry, offering a wide range of life insurance policies and investment options. They are known for their financial stability and diverse product offerings.
- New York Life Insurance: New York Life is one of the largest mutual life insurance companies in the United States. They are recognized for their strong financial ratings and a variety of policy options, including whole life and term life insurance.
- Northwestern Mutual: Northwestern Mutual is renowned for its focus on whole life insurance and comprehensive financial planning services. They have a long history of providing reliable protection and financial guidance.
- State Farm: State Farm is a prominent insurance company offering various types of coverage, including life insurance. They are known for their extensive agent network and customer-centric approach.
- Mutual of Omaha: Mutual of Omaha is a respected insurance provider offering a range of life insurance policies. They are recognized for their straightforward policies and competitive rates.
- Massmutual: Massachusetts Mutual Life Insurance Company, or MassMutual, is known for its financial strength and diverse product offerings, including whole life, term life, and universal life insurance.
- Lincoln Financial Group: Lincoln Financial Group offers a variety of insurance and retirement products. They are known for their universal life insurance policies and financial planning services.
- Guardian Life Insurance: Guardian Life Insurance focuses on whole life, term life, and disability insurance. They emphasize their mutual company structure and commitment to policyholders’ interests.
These competitors represent just a portion of the competitive landscape that Assurity Life Insurance Company operates within. Each company brings its own strengths and unique offerings to the table, catering to the diverse needs and preferences of individuals seeking reliable life insurance coverage.
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Claims Process at Assurity Life Insurance Company
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Filing a claim with Assurity Life Insurance Company is a hassle-free process, thanks to their user-friendly digital tools. Policyholders have multiple options for initiating a claim, including online submission, over the phone, and through their mobile app.
The online portal provides a seamless experience, allowing customers to submit necessary documents and track the progress of their claims with ease. Moreover, the mobile app offers convenient on-the-go claim filing, making it accessible whenever and wherever policyholders need it.
Average Claim Processing Time
One of the key factors policyholders consider when filing a claim is the processing time. Assurity Life Insurance Company is known for its efficient claim processing. On average, they strive to process claims promptly, providing much-needed financial support to beneficiaries during difficult times.
The company’s commitment to swift claims resolution ensures that policyholders can rely on them when it matters most.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s performance, especially when it comes to claim resolutions and payouts. Assurity Life Insurance Company has received positive reviews from policyholders regarding their claim resolutions and payouts.
Customers appreciate the transparency and fairness in the claims process, which leads to timely and satisfactory payouts. This positive feedback reflects the company’s dedication to fulfilling its promise of financial security for its policyholders.
Explore Assurity Life Insurance Company’s Digital and Technological Features
Mobile App Features and Functionality
Assurity Life Insurance Company’s mobile app is a standout feature for policyholders. The app offers a range of functionalities that simplify insurance management. Users can view policy details, pay premiums, and even file claims directly through the app.
Additionally, the app provides access to important documents and resources, ensuring that policyholders have all the information they need at their fingertips.
Online Account Management Capabilities
Assurity’s online account management capabilities empower policyholders to take control of their insurance policies. Through the online portal, users can manage policy details, update beneficiary information, and review premium payment history.
This digital platform streamlines communication between policyholders and the company, making it convenient to make necessary adjustments to their coverage.
Digital Tools and Resources
In the digital age, having access to educational resources is crucial for policyholders. Assurity Life Insurance Company recognizes this need and provides a wealth of digital tools and resources. These resources include calculators for estimating insurance needs, informative articles, and FAQs to address common queries.
Such tools help policyholders make informed decisions about their coverage and financial planning.
Frequently Asked Questions
What is the main advantage of Term Life Insurance from Assurity?
Term Life Insurance from Assurity provides affordable coverage for a specific period, making it an ideal choice for those seeking temporary protection.
Can I customize my Whole Life Insurance policy?
Absolutely! Assurity’s Whole Life Insurance policy can be tailored to suit your unique needs and preferences.
How does Universal Life Insurance differ from other types of policies?
Universal Life Insurance offers flexibility in both coverage and premiums, along with the potential to accumulate cash value.
What sets Assurity’s customer support apart from other companies?
Assurity’s customer support goes the extra mile to assist and guide policyholders, ensuring a seamless experience.
Is Assurity financially stable?
Yes, Assurity’s strong financial foundation ensures the security and reliability of their policies and benefits.
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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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