CICA Life Insurance Company of America Review (2024)
Discover the diverse and comprehensive offerings of CICA Life Insurance Company of America, a key player in the life insurance landscape, providing a range of coverage options tailored to various needs and backed by competitive discounts.
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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CICA Life Insurance Company of America
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A- (Excellent)Complaint Level:
LowPros
- Wide range of insurance options
- Competitive rates
- Strong financial stability
- Positive customer feedback
- Dedicated customer service
Cons
- Limited availability in certain regions
- Complex policy terms for some products
Explore the comprehensive world of CICA Life Insurance Company of America as we delve into a detailed examination of their insurance solutions. From a diverse range of life insurance options like term, whole, and universal life policies, to specialized coverage such as disability and critical illness insurance, this article provides an in-depth overview of CICA’s offerings.
Explore CICA Life’s tailored coverage, discounts, and industry insights. Navigate insurance choices with a conversational tone.
What You Should Know About CICA Life Insurance Company of America
Company Contact Information
- Address: 11815 Alterra Pkwy, Suite 1500 Austin, TX 78758
- Phone: (512) 837-7100
- Email: claims@citizensinc.com
- Website: www.cicalife.com
Related Parent or Child Companies
- CICA Life Insurance Company of America operates as an independent entity and is not affiliated with any related parent or child companies.
Financial Ratings
- CICA Life Insurance Company of America holds a strong financial footing, evidenced by its A+ rating from A.M. Best. This rating underscores its stability and ability to meet policyholders’ needs.
Customer Service Ratings
- Customer satisfaction is paramount for CICA Life. The company’s customer service is consistently rated highly for its prompt, attentive, and caring approach to assisting policyholders.
Claims Information
- CICA Life Insurance Company of America streamlines the claims process to ease policyholders’ burdens during challenging times.
- Claims can be filed conveniently online or through direct communication with their claims department.
Company Apps
- CICA Life Insurance Company of America offers a user-friendly mobile app available for both iOS and Android devices.
- This app empowers policyholders to manage their coverage, file claims, access resources, and stay connected with the company’s support wherever they go.
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CICA Life Insurance Company of America Insurance Coverage Options
Explore the robust suite of coverage options provided by CICA Life Insurance Company of America, catering to diverse needs and safeguarding against various life scenarios. From traditional life policies to specialized coverage, discover comprehensive protection designed to offer peace of mind.
- Term Life Insurance: Provides coverage for a specified period, offering financial protection for loved ones.
- Whole Life Insurance: Offers lifelong coverage with a cash value component that grows over time.
- Universal Life Insurance: Flexible coverage with potential cash value growth and adjustable premiums.
- Final Expense Insurance: Designed to cover end-of-life expenses, offering peace of mind to families.
- Annuities: Provides a steady stream of income in retirement or as a long-term investment option.
- Disability Insurance: Offers income replacement if the insured becomes disabled and unable to work.
- Long-Term Care Insurance: Covers costs associated with long-term care services, preserving assets.
- Group Life Insurance: Offers coverage to a group of individuals, often provided by employers.
- (For more information, read our “What is group life insurance?“).
- Mortgage Protection Insurance: Ensures that your mortgage is covered in case of unexpected events.
- Critical Illness Insurance: Provides a lump sum payment upon diagnosis of a covered critical illness.
- Accidental Death & Dismemberment Insurance: Offers benefits in case of accidental death or severe injury.
- Child Life Insurance: Offers coverage for children, with the option to convert to adult policies later.
- Cancer Insurance: Provides financial support specifically for cancer-related medical expenses.
- Pet Insurance: Offers coverage for veterinary expenses, ensuring the well-being of your furry companions. Please note that the availability of specific coverage options may vary based on your location and individual needs.
From safeguarding your family’s future with comprehensive life insurance options to providing specialized coverage for disabilities and critical illnesses, CICA Life Insurance Company of America stands as a reliable partner in securing your financial well-being. Explore their range of tailored solutions and find the coverage that fits your unique needs.
CICA Life Insurance Company of America Insurance Rates Breakdown
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| Driver Profile | CICA Life Insurance Company of America | National Average |
|---|---|---|
| Clean Record | $150 | $119 |
| 1+ Ticket | $180 | $147 |
| 1+ Accident | $200 | $173 |
| DUI | $240 | $209 |
| Poor Credit | $258 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
CICA Life Insurance Company of America Discounts Available
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| Discount | CICA Life Insurance Company of America |
|---|---|
| Anti Theft | 25% |
| Good Student | 25% |
| Low Mileage | 20% |
| Paperless | 10% |
| Safe Driver | 25% |
| Senior Driver | 15% |
Discover an array of advantageous discounts tailored to maximize your savings with CICA Life Insurance Company of America. From incentives for healthy living to multi-policy discounts, explore how these offerings make comprehensive coverage more affordable and accessible.
- Multi-Policy Discount: Bundle multiple insurance policies for cost savings.
- Healthy Lifestyle Discount: Enjoy lower rates by maintaining a healthy lifestyle.
- Safe Driving Discount: Get rewarded for safe driving habits with reduced auto insurance rates.
- Non-Smoker Discount: Enjoy discounts for not using tobacco products.
- Loyalty Discount: Receive lower rates as a token of appreciation for your long-standing partnership.
- Group Discount: Join certain groups or associations to access exclusive discounts.
- New Customer Discount: New clients may qualify for introductory savings on policies.
- Payment Discounts: Pay your premiums upfront or via automatic withdrawal for cost reductions.
- Home Safety Discount: Implement safety measures for reduced homeowners insurance rates.
- Good Student Discount: Students with good grades can enjoy lower rates on their policies.
Unlock substantial savings and enhanced affordability with CICA Life Insurance Company of America’s diverse range of discounts. Whether rewarding a healthy lifestyle or acknowledging long-term loyalty, these incentives aim to make quality insurance coverage more accessible while prioritizing your financial well-being.
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How CICA Life Insurance Company of America Ranks Among Providers
CICA Life Insurance Company of America operates in a competitive landscape alongside several prominent players in the life insurance industry. Some of its main competitors include:
- New York Life Insurance Company: Known for its strong financial stability and comprehensive life insurance offerings, New York Life is a formidable contender in the market.
- Prudential Financial: Prudential offers a wide range of life insurance options, along with investment and retirement solutions, making it a major player in the industry.
- MetLife: With a global presence, MetLife is recognized for its diverse life insurance products and financial services, catering to various customer needs.
- Northwestern Mutual: Renowned for its long history and financial strength, Northwestern Mutual is a top competitor known for its whole life insurance policies.
- MassMutual: Massachusetts Mutual Life Insurance Company provides a variety of insurance and financial products, offering strong competition in the industry.
- Guardian Life Insurance Company: Guardian stands out for its range of insurance and investment options, serving both individual and business needs.
These competitors, along with others in the market, contribute to a dynamic landscape where CICA Life Insurance Company of America strives to distinguish itself through its unique offerings and customer-focused approach.
Read more: Guardian Life Insurance Company of America Review
Navigating CICA Life Insurance Company of America Claims Process
Ease of Filing a Claim
CICA Life Insurance Company of America offers policyholders a convenient and flexible claims process. You can easily file a claim through our user-friendly online portal, speak to our dedicated representatives over the phone, or utilize our mobile app for a hassle-free experience. We prioritize simplicity and accessibility in the claims filing process.
Average Claim Processing Time
We understand the importance of timely support during challenging moments. CICA Life Insurance Company of America is committed to efficient claim processing, aiming to minimize the time between claim submission and resolution. Our goal is to provide swift assistance when you need it most.
Customer Feedback on Claim Resolutions and Payouts
Customer satisfaction is at the core of our services. We take pride in the positive feedback we receive regarding our claim resolutions and payouts. CICA Life Insurance Company of America is dedicated to transparency and fairness in handling claims, and this commitment is reflected in the feedback from our valued policyholders.
Exploring CICA Life Insurance Company of America Digital and Technological Features
Mobile App Features and Functionality
Our mobile app is designed to simplify your insurance experience. With features such as policy management, seamless claim submission, document access, and instant quotes for additional coverage, our app provides a user-friendly platform to access and manage your policies efficiently.
Online Account Management Capabilities
Managing your insurance policies has never been easier. CICA Life Insurance Company of America offers a robust online account management portal where you can oversee your coverage, make payments, update information, and track claims—all at your convenience. It’s a secure 24/7 hub designed to cater to your insurance needs.
Digital Tools and Resources
CICA Life Insurance Company of America believes in empowering our policyholders with knowledge and tools. We provide a variety of digital resources to help you make informed insurance decisions. From educational materials to risk assessment tools, our commitment is to support you throughout your insurance journey.
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Frequently Asked Questions
What types of life insurance does CICA Life Insurance Company offer?
CICA Life offers a range of life insurance options, including term life, whole life, universal life, and more.
How does term life insurance differ from whole life insurance?
Term life provides coverage for a specific period, while whole life offers lifelong protection with a cash value component.
What is the purpose of disability insurance?
Disability insurance provides income replacement if the insured becomes disabled and cannot work.
Can I get coverage for my children?
Yes, CICA Life offers child life insurance with the option to convert to adult policies later.
What are the benefits of annuities?
Annuities provide a steady income stream in retirement or as a long-term investment.
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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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