Continental General Insurance Company: Customer Ratings & Reviews [2024]
Continental General Insurance Company, renowned for its long-term care plans, offers various life insurance options, including term life, annuities, and comprehensive long-term care coverage, providing potential savings of thousands per year for those in need of extended healthcare.
Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
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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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Continental General Insurance Company
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N/AA.M. Best Rating:
N/AComplaint Level:
LowPros
- Consistently growing and has a strong hold on the long term care market
- Continental General Insurance Company maintains a strong financial standing with an A.M. Best “A” rating, ensuring stability and reliability.
Cons
- Lack of convenience might be a deterrent, as there is no further information provided.
- The company’s policy offerings may be limited compared to larger insurance providers, potentially resulting in fewer coverage options for customers.
What You Should Know About Continental General Insurance Company
| Key Info | Company Specifics |
|---|---|
| Year Founded | 1961 |
| Current Executives | President & CEO - David Ramsey Executive Chairman - Robert Mills CFO- Janet Ward |
| Numbers of Employees | 200-500 |
| Total Assets | $4,297,281,766 |
| HQ Address | 11200 Lakeline Blvd Suite 100 PO Box 26580 Austin, TX 78755 |
| Phone Number | 1-512-451-2224 |
| Company Website | www.continental-ins.com/ |
| Premiums Written - Individual Life | $41,963,578 |
| Best For | Long-Term Care Insurance |
- Continental General Insurance Company sells life insurance policies, including an affordable long-term care plan
- Other Continental General Insurance Company life insurance options include term life and annuities
- While prices can start low, many Continental General Insurance Company reviews state that rates increased dramatically after a few years
Formerly a part of the American Financial Group, Continental General Insurance Company has flourished as an independent insurance company for over 50 years. Today, it sells term life, annuities, and long-term care insurance.
While the Continental General Insurance Company promises affordable rates, some customers report that prices increase after the first two years, especially for long-term care plans. Additionally, many Continental General Insurance Company customer service reviews state people are often disappointed with their service.
Despite some negative reviews, the only way to determine if a Continental General Insurance Company life insurance policy is right for you is to learn more. Explore Continental General Insurance Company options below, then compare quotes with as many companies as possible to find the best rates for you.
Shopping for Continental General Life Insurance Quotes
Continental General Insurance Company is a long-standing insurance company that offers term life insurance, annuities, and long-term care insurance. In short, this means that there are options to help you choose the policy that is best for you with Continental General Insurance. Kanawha Insurance Company merged with them just a couple of years ago.
What is Continental General Life Insurance availability by state?
With the Continental General Insurance Co headquarters based in Texas, the company covers 49 states, the District of Columbia, and the US Virgin Islands. They are consistently seeking expansion opportunities which may lead to more territories later.
All the way from the Continental General Insurance Company in Omaha, NE, to the Continental General Insurance Company in Cincinnati, OH, you’re in luck.
Continental General: Market Share
With a never-ending number of insurance companies to choose from, it’s important to know how your company stacks up to the competition.
| Policy Type | Market Share |
|---|---|
| Individual Term Life | .01% |
| Individual Whole Life | .02% |
| Individual Universal Life | .01% |
| Individual Long Term Care | .36% |
Though Continental General Insurance Company doesn’t contribute to a significant market share in term or whole life policies, it is well-rounded and has a great hold of long term care insurance.
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Continental General Insurance Company Insurance Coverage Options
You’ll find a few options when researching Continental General’s life insurance policies. They are known for providing term, annuities, and their special long-term care insurance options.
Policies Purchased From Continental General Insurance Company
| Policy Type | Premiums Written |
|---|---|
| Accident & Health | $3,868,633 |
| Individual Long-Term Care | $1,636,017 |
| Individual Whole Life | $287,648 |
| Individual Term Life | $86,131 |
| Individual Universal Life | $106,144 |
| Total Group Life | $47,589 |
| Total Life | $529,012 |
Continental General Insurance Company is clearly active with Accident & Health sales. More diversity can often mean a greater financial backing.
Continental General Insurance Company offers cost-efficient term life insurance and permanent life insurance. Their permanent life insurance policies include whole life insurance and universal life insurance. These insurance policies typically offer cash-value to help build equity while still investing in your beneficiaries.
While you pay out your premiums, which may be over a specific time-frame or for life, you can expect to pay significantly more for permanent life insurance when comparing those to term life insurance.
Annuities
Annuities are similar to permanent life insurance. The primary difference here is that an annuity is paid out to your beneficiaries in installments rather than one lump sum.
So if anything were to happen to you, your beneficiaries would expect to receive money for a previously-determined amount of time. What are the different types of annuities, anyway?
Long-Term Care Insurance
Continental General Insurance Company Long term care forms and policies are typically used in a few special circumstances such as old age and debilitating medical conditions. Long term care insurance helps policyholders who may need consistent help with common household or hygienic tasks such as showering, dressing, shaving, and more.
Since many long term care policyholders aren’t in great health, their insurance rates tend to be fairly substantial, with averages around $2700 per year, according to AARP.
Read more: How do you file a complaint against a long term care insurance company?
Life Insurance Riders
One of Continental General Insurance Company’s most popular riders is the inflation rider. This life insurance rider allows room for inflation to adjust the death benefit. This way, your beneficiaries will still get as much financial support as you felt necessary if inflation changes that amount.
Continental General also offers Medicare supplemental insurance policies to help adults that feel like their plan is insufficient. They also work with companies like Aetna if you happen to search for the Continental General Insurance Company Pensacola, Florida address, and have no luck.
How to Make a Continental General Life Insurance Claim
Filing claims with Continental General Insurance Company login or phone is easy. By calling 1-866-830-0607 and selecting option 3, you will be in direct contact with their claims department.
Need to cancel your Continental General Insurance Company policy? Find the appropriate phone number directly on their website to be sure you get the right department. Annuities and life policies will have separate numbers. Contractors may use the Continental General Insurance Company provider portal to help customers.
Continental General Insurance Company Insurance Rates Breakdown
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| Driver Profile | Continental General Insurance Company | National Average |
|---|---|---|
| Clean Record | $160 | $119 |
| 1+ Ticket | $188 | $147 |
| 1+ Accident | $210 | $173 |
| DUI | $258 | $209 |
| Poor Credit | $275 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Continental General Insurance Company Discounts Available
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| Discount | Continental General Insurance Company |
|---|---|
| Anti Theft | 20% |
| Good Student | 22% |
| Low Mileage | 22% |
| Paperless | 10% |
| Safe Driver | 25% |
| Senior Driver | 14% |
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How Continental General Insurance Company Ranks Among Providers
Continental General Insurance Company, a provider renowned for its long-term care plans and various life insurance options, faces competition from several key players within the insurance industry. These competitors vie for market share, offering similar services and insurance products. Here are some of Continental General Insurance Company’s main competitors:
Main Competitors:
- MetLife: A global insurance giant offering a wide array of life insurance, retirement, and employee benefit solutions.
- Prudential Financial: Known for its diverse insurance and financial products, including life insurance, retirement planning, and investment management.
- Aetna: Offers a range of health insurance products, Medicare coverage, and supplemental insurance plans.
- Mutual of Omaha: Provides various insurance products, including life, health, and long-term care insurance, catering to individuals and businesses.
- Genworth Financial: Specializes in long-term care insurance, mortgage insurance, and financial solutions for aging and retirement needs.
Continental General Insurance Company competes in the insurance landscape against these formidable rivals, each having its own strengths and market presence within the industry.
Continental General Insurance Company: Life Insurance Ratings
With an A.M. Best “A” rating, Continental General Insurance Company ratings show a strong financial outlook for the future. This rating suggests that the company has no major concerns regarding financial collapse.
The NAIC Complaint Index has been growing over the past several years, peaking with 18 complaints in 2019. This could be due to an increase in clientele but is a concern worth monitoring.
Simplifying Insurance Claims With Continental General
Ease of Filing a Claim
Continental General Insurance Company offers multiple avenues for filing claims, providing customers with flexibility and convenience. Policyholders can file claims both online through the company’s website and over the phone by contacting the claims department directly. Additionally, Continental General Insurance Company may offer mobile app functionality for claim submissions, enhancing accessibility and ease of use.
Average Claim Processing Time
The average claim processing time at Continental General Insurance Company can vary depending on the type of claim and its complexity. However, the company strives to expedite the claims process efficiently. Policyholders are encouraged to contact the claims department for specific timelines related to their individual claims.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback regarding claim resolutions and payouts with Continental General Insurance Company has been varied. While some customers report smooth and satisfactory experiences with their claim resolutions and timely payouts, others have expressed concerns about delays or disputes in the process. It’s advisable for potential claimants to review individual policies and reach out to the claims department for clarity on coverage and expectations.
Exploring Continental General’s Advanced Digital Solutions
Mobile App Features and Functionality
Continental General Insurance Company leverages its mobile app to provide customers with convenient access to various features. The app may offer functionalities such as policy management, claims filing, bill payments, and document uploads. It aims to streamline insurance-related tasks for users on-the-go, enhancing their overall experience.
Online Account Management Capabilities
The company’s online account management system allows policyholders to efficiently manage their insurance policies. Through a secure online portal, customers can view policy details, update personal information, review coverage options, and track claim statuses. The platform is designed for ease of use and comprehensive policy management.
Digital Tools and Resources
Continental General Insurance Company offers digital tools and resources to assist policyholders in understanding their coverage better. These may include educational resources, FAQs, insurance calculators, and informational guides accessible through the company’s website or mobile app. These tools aim to empower customers by providing valuable insights and information about insurance products and services.
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Frequently Asked Questions
What types of insurance policies does Continental General Insurance Company offer?
Continental General Insurance Company offers term life insurance, annuities, and long-term care insurance policies.
In which states is Continental General Insurance Company available?
The company operates in 49 states, the District of Columbia, and the US Virgin Islands.
How can I file a claim with Continental General Insurance Company?
You can file a claim by calling 1-866-830-0607 and selecting option 3 or by finding the appropriate phone number on their website.
Does Continental General Insurance Company offer life insurance riders?
Yes, Continental General Insurance Company offers life insurance riders such as the inflation rider.
Is Continental General Insurance Company a good choice?
Continental General Insurance Company is a long-standing insurance company that offers a range of policies, and it may be a good fit for some customers depending on their needs and preferences.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
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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