Central United Life Insurance Company: Customer Ratings & Reviews [2024]

Central United Life Insurance Company stands out as a reliable and affordable life insurance provider with over 40 years of experience, offering comprehensive coverage options tailored to diverse needs and budgets.

UPDATED: Apr 23, 2024Fact Checked

Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Licensed Insurance Agent

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

Advertiser Disclosure

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

Advertiser Disclosure

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.

UPDATED: Apr 23, 2024Fact Checked
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Central United Life Insurance Company

Average Monthly Rate For Good Drivers

$0

A.M. Best Rating:

A-

Complaint Level:

Low

Pros

  • Reliable and affordable life insurance provider
  • Offers a range of policies to meet different needs and budgets
  • Over 40 years of experience in the industry
  • Low complaint level
  • Strong financial ratings

Cons

  • Online quotes are not available, requiring direct contact with the company
  • Limited availability in certain states
If you're looking for a reliable and affordable life insurance provider, Central United Life Insurance Company may be the perfect choice for you. With over 40 years of experience, Central United offers a range of policies to meet different needs and budgets. This write-up will provide you with a complete guide to Central United Life Insurance Company, including information on the company's history, mission, products and services, costs, states where their services are offered, discounts available to customers, and customer reviews. Read on to learn more about why Central United may be the right insurance provider for you.

Central United Life Insurance Company, a reliable and affordable life insurance provider with over 40 years of experience. We discussed the company’s history, mission, products and services, costs, states where their services are offered, discounts available to customers, and customer reviews.

Central United offers a range of policies to meet different needs and budgets, and their low complaint level and strong financial ratings make them a trustworthy choice for customers seeking life insurance coverage.

Whether you’re a young adult just starting out or a senior looking for added financial security, Central United Life Insurance Company may have the right policy for you.

Central Insurance Coverage Options

When it comes to safeguarding your future, Central United Life Insurance Company offers an array of coverage options designed to cater to diverse needs and provide financial security. From fundamental life insurance plans to customizable riders, their offerings are crafted to offer comprehensive protection.

  • Term Life Insurance: Provides coverage for a specified period of time, typically 10-30 years.
  • Whole Life Insurance: Provides coverage for the duration of the policyholder’s life and includes a savings component.
  • Universal Life Insurance: Provides coverage for the duration of the policyholder’s life and allows for flexibility in premium payments and death benefits.
  • Final Expense Insurance: Provides coverage for end-of-life expenses such as funeral costs and medical bills.
  • Guaranteed Issue Life Insurance: Provides coverage for individuals who may have difficulty qualifying for other types of policies due to age or health issues.

Central United Life Insurance Company also offers a variety of riders that can be added to policies to enhance coverage, such as accidental death and dismemberment coverage, child riders, and waiver of premium riders. With these options, customers can choose the coverage that best meets their individual needs and budget.

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Central Insurance Rates Breakdown

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Driver ProfileCentral United Life InsuranceNational Average
Clean Record$223$119
1+ Ticket$269$147
1+ Accident$346$173
DUI$442$209
Poor Credit$383$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Central Insurance Discounts Available

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DiscountsCentral United Life Insurance
Anti Theft14%
Good Student17%
Low Mileage12%
Paperless11%
Safe Driver16%
Senior Driver12%

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Central United Life Insurance Company not only prioritizes comprehensive coverage but also values affordability. Through an array of enticing discounts, they aim to make life insurance more accessible. From multi-policy incentives to health-conscious benefits, these discounts enhance the value of protection.

  • Non-Tobacco User Discount: Customers who do not use tobacco products can receive a discount on their policy.
  • Multi-Policy Discount: Customers who have more than one policy with Central United Life Insurance Company can receive a discount on their premiums.
  • Safe Driver Discount: Customers who have a clean driving record can receive a discount on their policy.
  • Good Health Discount: Customers who are in good health and meet certain criteria can receive a discount on their policy.
  • Group Coverage Discount: Customers who are part of a group coverage plan can receive a discount on their policy.

At Central United Life Insurance Company, affordability meets security. Their commitment to offering various discounts reflects their dedication to making life insurance accessible to all. These incentives not only save money but also ensure individuals can secure their future without compromising their budget.

How Central Insurance Ranks Among Providers

In the bustling arena of life insurance, Central United Life Insurance Company stands alongside several formidable competitors, each offering a unique blend of coverage options and financial stability. From industry giants to specialized providers, these competitors present a diverse landscape of choices for individuals seeking reliable life insurance solutions.

  • Metlife: One of the largest life insurance companies in the United States, Metlife offers a range of insurance and financial products and services.
  • Prudential: Another large life insurance provider, Prudential offers a variety of life insurance and retirement products to customers.
  • New York Life: A mutual life insurance company, New York Life offers a range of life insurance, annuities, and other financial products.
  • Northwestern Mutual: A mutual life insurance company, Northwestern Mutual offers a range of life insurance, annuities, and investment products to customers.
  • State Farm: Known for its auto and home insurance products, State Farm also offers life insurance and financial planning services to customers.

As individuals navigate the landscape of life insurance, Central United Life Insurance Company stands resilient among a cohort of formidable competitors. With each competitor bringing its strengths and specialized offerings to the table, customers are presented with a wealth of options, ensuring they can find the right fit to safeguard their future.

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Central United Life Insurance Claims Process

Ease of Filing a Claim

Central United Life Insurance Company allows claim filing through multiple channels including online submission, phone assistance, and email. While online and phone methods are widely used, the company doesn’t currently offer dedicated mobile apps for claim submission.

Average Claim Processing Time

The average claim processing time with Central United Life Insurance Company varies depending on the complexity of the claim. Generally, straightforward claims are processed efficiently within a reasonable time frame.

Customer Feedback on Claim Resolutions and Payouts

Customers have generally provided positive feedback regarding claim resolutions and payouts. The company is praised for its promptness in addressing claims and efficiently handling payouts, contributing to a positive customer experience.

Central United Life Insurance Digital and Technological Features

Mobile App Features and Functionality

Currently, Central United Life Insurance Company does not offer a dedicated mobile app for managing insurance policies or filing claims. However, customers can access some account functionalities through the company’s website.

Online Account Management Capabilities

The company’s website offers online account management capabilities where policyholders can view policy details, update personal information, and make premium payments. However, more advanced features typically found in mobile apps are not available through the website interface.

Digital Tools and Resources

While Central United Life Insurance Company lacks a dedicated mobile app, its website serves as a hub for accessing policy information, FAQs, and general resources. The online platform offers essential tools for policy management, though it may benefit from additional digital resources and interactive features for enhanced customer convenience.

Frequently Asked Questions

What types of life insurance does Central United offer?

Central United offers term life insurance, whole life insurance, universal life insurance, and final expense life insurance.

What discounts does Central United offer?

Central United offers multi-policy discounts, non-smoker discounts, and preferred health discounts to qualifying customers.

Where does Central United offer its services?

Central United offers its services in multiple states across the United States, including Alabama, Arizona, Arkansas, Colorado, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, and Virginia.

How can I get a quote from Central United?

To get a quote from Central United, customers must contact the company directly via phone or email. Online quotes are not available at this time.

How can I file a claim with Central United Life Insurance Company?

To file a claim with Central United Life Insurance Company, you can contact their claims department directly through their customer service hotline or by visiting their website and following the instructions provided. They will guide you through the claims process and provide the necessary forms and documentation requirements.

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Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Licensed Insurance Agent

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.

Reviews
for Central Insurance

3.77 (48 reviews)
1
December 26, 2023

KarisKids5

Do not waste your time

I am NOT nor will I ever be a policy holder. My daughter was involved in an accident and the driver at fault has this insurance company. She was spoken to ONCE by an agent and was told that she would have an answer from you within 24-48 hours. It has now been a week and we have heard NOTHING. They are not getting back to our insurance agency either. My daughter is without a car and they are not answering about a rental for her or the other q...
I am NOT nor will I ever be a policy holder. My daughter was involved in an accident and the driver at fault has this insurance company. She was spoken to ONCE by an agent and was told that she would have an answer from you within 24-48 hours. It has now been a week and we have heard NOTHING. They are not getting back to our insurance agency either. My daughter is without a car and they are not answering about a rental for her or the other questions that need to be answered. Save yourself the time and the frustration. One of the worst!
1
February 4, 2022

Ashlyn

Lack of correct info

Very frustrated with our experience. We went through insure right for our policy and there was not great communication. We had trouble getting the correct Information and we were told a problem was covered and it was not. We then found a cheaper option and so we cancelled and were told we had would not be charged extra and we were good to go then we got a bill. We called saying that we had been told we were good to go but they said there was noth...
Very frustrated with our experience. We went through insure right for our policy and there was not great communication. We had trouble getting the correct Information and we were told a problem was covered and it was not. We then found a cheaper option and so we cancelled and were told we had would not be charged extra and we were good to go then we got a bill. We called saying that we had been told we were good to go but they said there was nothing they could do unless they talked to the person who told us. We had no record of who we had talked too. We were fine paying but it was the lack of correct information and communication and it seemed like no one was on the same page so we it kind of ruined our experience
3
January 12, 2020

Jack-Rider

Quality work

A great company with a valuable work and great quality and also with dedicated members and company workers.
4
June 22, 2019

reviewer12345

Quick fix on a wrecked vehicle where fault was questioned

Step daughter was involved in a car wreck in a parking lot where the other driver was not paying attention and took the front end of her car off. Central wasted no time fixing the vehicle in a situation where the other driver was claiming she was the one that was hit. Great company to work with that also has fair premiums for teenage drivers.
5
March 28, 2019

Dessgrand

Central Insurance- best rates w awesome customer service

Central insurance gave me the best rates for the coverage. Professional and very helpful with quality customer service
4
December 22, 2018

Dimaa

Didn't encounter any incident till now

Till now normal . The agent was helpful over the the phone. Thanks God I didn't encounter any incidents or accidents so far
4
December 15, 2018

PandJ

Good Company

Pretty good company they have had decent rates and they will work with you if you are going to be late on paying your payment if you need them to
4
December 13, 2018

Amya5

Very good experience

Our experience with Central Insurance has been very good. We have had 3 claims with them and each one was handled quickly and professionally. We have not had huge increases in premiums and our agent is excellent.
3
July 19, 2018

RLM

Insurance

Although I have not filed any claims, I have had no problems with this company. I get loyalty and payment timeliness discounts.
5
March 1, 2018

Sannipanni

Great price point

We switched our car insurance policies to Central Insurance Company when we bought our house to qualify for the multi policy discount. None of our previous companies could Match the price! So far we’ve used our insurance to repair windshield chips and they quickly sent someone out to fix them. Customer service has been great!
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