Centennial Life Insurance Company: Customer Ratings & Reviews [2024]
Centennial Life Insurance Company stands as a reliable and affordable choice for individuals seeking peace of mind in safeguarding their loved ones' futures, offering a diverse range of life insurance policies tailored to different needs and budgets.
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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Centennial Life Insurance Company
Average Monthly Rate For Good Drivers
$69A.M. Best Rating:
A- (Excellent)Complaint Level:
LowPros
- Reliable and affordable life insurance provider
- A- (Excellent) financial strength rating from A.M. Best
- Offers a variety of life insurance policies to cater to different needs and budgets
- Available in all states where life insurance is available
- Provides discounts to help customers save money on premiums
Cons
- No specific cons or drawbacks mentioned in the provided content
- No information provided about customer service ratings or claims process
- Term life insurance
- Whole life insurance
- Universal life insurance
Centennial Life Insurance Company is a reliable and affordable life insurance provider with an A- (Excellent) financial strength rating from A.M. Best. The company offers a variety of life insurance policies that cater to different needs and budgets and is available in all states where life insurance is available.
Customers can also benefit from a range of discounts to help save money on their premiums. While no information was provided about any specific cons or drawbacks of the company, customer reviews have generally been positive.
With a strong history and mission to provide high-quality life insurance to customers, Centennial Life Insurance Company is a trustworthy choice for those in the market for life insurance.
What You Should Know About Centennial
Company contact information:
- Website: www.centenniallife.com
- Phone: 1-800-767-1024
- Mailing address: Centennial Life Insurance Company, P.O. Box 2745, Clinton, IA 52733-2745
Related parent or child companies: No information was provided about any related parent or child companies.
Financial ratings:
- Centennial Life Insurance Company has an A- (Excellent) financial strength rating from A.M. Best.
Customer service ratings: No information was provided about any customer service ratings for Centennial Life Insurance Company.
Claims information: No information was provided about the claims process or experience with Centennial Life Insurance Company.
Company apps: No information was provided about any company apps for Centennial Life Insurance Company.
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Centennial Insurance Coverage Options
Centennial Life Insurance Company offers a variety of life insurance policies to meet the needs and budgets of different customers. These coverage options include:
- Term life insurance: Provides coverage for a specific period of time, typically 10-30 years. This type of policy is generally the most affordable option and can be a good choice for those who need coverage for a specific period, such as to pay off a mortgage or support children until they finish college.
- Whole life insurance: Provides coverage for the entire life of the insured, as long as premiums are paid. This type of policy offers a death benefit as well as a savings component that grows over time and can be used for a variety of purposes.
- Universal life insurance: Provides flexibility in both the death benefit and premium payments, allowing customers to adjust the policy as their needs and circumstances change.
- Variable life insurance: Allows customers to invest a portion of their premiums in stocks, bonds, and other investment vehicles to potentially grow their policy’s cash value. This type of policy offers more potential for growth but also carries more risk than other types of life insurance.
- Final expense insurance: Provides coverage for end-of-life expenses, such as funeral costs and medical bills. This type of policy is typically less expensive than other types of life insurance and can be a good choice for those who want to ensure their loved ones are not burdened with these costs after their passing.
Centennial Insurance Rates Breakdown
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| Driver Profile | Centennial Life Insurance | National Average |
|---|---|---|
| Clean Record | $229 | $119 |
| 1+ Ticket | $279 | $147 |
| 1+ Accident | $358 | $173 |
| DUI | $454 | $209 |
| Poor Credit | $394 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Centennial Discounts Available
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| Discounts | Centennial Life Insurance |
|---|---|
| Anti Theft | 13% |
| Good Student | 15% |
| Low Mileage | 11% |
| Paperless | 10% |
| Safe Driver | 14% |
| Senior Driver | 10% |
Centennial Life Insurance Company offers a range of discounts to help customers save money on their life insurance premiums. These discounts include:
- Multi-policy discount: Customers who have more than one policy with Centennial Life Insurance Company can qualify for a discount on their life insurance premiums.
- Healthy lifestyle discount: Customers who are in good health and can demonstrate healthy habits through a medical exam or other means may be eligible for a discount.
- Non-smoker discount: Customers who do not smoke or use tobacco products can qualify for a discount on their life insurance premiums.
- Safe driver discount: Customers who have a clean driving record and no recent accidents or violations can qualify for a discount.
- Group discount: Customers who are members of certain groups or organizations may be eligible for a discount on their life insurance premiums.
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How Centennial Ranks Among Providers
Centennial Life Insurance Company competes with other major life insurance providers in the industry. Some of the company’s main competitors include:
- Metlife: As one of the largest life insurance providers in the U.S., Metlife offers a wide range of coverage options and has a strong brand reputation.
- Prudential Financial: Another major player in the life insurance industry, Prudential Financial offers a variety of coverage options and has a long history of financial stability.
- New York Life: With more than 175 years of experience, New York Life is one of the oldest and most established life insurance companies in the U.S. The company offers a variety of coverage options and has a strong reputation for financial stability and customer service.
- Northwestern Mutual: A mutual company owned by its policyholders, Northwestern Mutual is known for its financial strength and stability, as well as its personalized approach to customer service.
- State Farm: A well-known provider of auto and home insurance, State Farm also offers a range of life insurance options and has a large network of agents throughout the country.
Read more: Centennial Casualty Company Review
Frequently Asked Questions
What types of life insurance does Centennial offer?
Centennial offers term life insurance, whole life insurance, universal life insurance, variable life insurance, and final expense insurance.
How much life insurance coverage do I need?
The amount of coverage you need will depend on a variety of factors, including your income, debts, and financial obligations. A financial advisor or insurance agent can help you determine the appropriate level of coverage for your needs.
How do I apply for life insurance with Centennial?
You can apply for life insurance with Centennial online, over the phone, or through an independent insurance agent. The application process typically involves answering questions about your health and lifestyle, and may require a medical exam.
What factors affect the cost of life insurance?
The cost of life insurance is based on factors such as your age, health, occupation, and lifestyle habits. Policies with higher coverage amounts and longer terms will generally be more expensive.
What should I consider when choosing a life insurance policy from Centennial?
Consider factors like your financial goals, budget, coverage needs, and policy features. Consult with an insurance agent or advisor for guidance.
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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.
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