Physicians Life Insurance Company: Customer Ratings & Reviews [2024]
Physicians Life Insurance Company, a stalwart in the insurance industry for over 50 years, stands as a trusted provider committed to delivering quality coverage tailored to individual needs, backed by a solid reputation for exceptional customer service and efficient claims processing.
Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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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Physicians Life Insurance Company
Average Monthly Rate For Good Drivers
$104A.M. Best Rating:
A-Complaint Level:
LowPros
- Offers a variety of coverage options to meet customers’ unique needs
- High ratings for customer service and claims process
- Offers discounts to help customers save money on their premiums
- Affordable premiums for the coverage provided
- Offers annuities to help customers protect their retirement savings
Cons
- Coverage not available in all states (e.g., New York, Massachusetts, Minnesota, and Wisconsin)
- Whole Life Insurance: provides lifelong protection with a guaranteed death benefit and level premiums that never increase.
- Term Life Insurance: provides affordable coverage for a specified period of time with a guaranteed death benefit and fixed premiums.
- Medicare Supplement Insurance: helps cover the costs of healthcare that Original Medicare doesn't cover.
- Annuities: helps protect your retirement savings and provide guaranteed income for life.
Physicians Life Insurance Company is a highly reputable life insurance provider that has been in business for more than 50 years. With a mission to provide quality coverage to their customers, the company offers a range of policies to meet the unique needs of each individual.
They have a strong track record of excellent customer service and efficient claims processing. Customers can save money on their premiums through various discounts, such as multi-policy, good health, and loyalty discounts.
Although the coverage is not available in all states, those who are eligible can benefit from affordable premiums and the peace of mind that comes with having a trusted life insurance provider.
What You Should Know About Physicians Life Insurance Company
Company Contact Information:
- Phone: 1-800-999-1030
- Website: www.physicianslife.com
- Address: Physicians Mutual Insurance Company 2600 Dodge St. Omaha, NE 68131
Financial Ratings:
- A.M. Best Rating: A-
- Better Business Bureau Rating: A+
Customer Service Ratings:
- Better Business Bureau Rating: A+
- Consumer Affairs Rating: 3.9 out of 5 stars
Claims Information:
- Claims can be filed online or by phone.
- The company offers a 24/7 claims service hotline.
- The company states that it handles claims promptly and efficiently.
Company Apps:
There is no specific information available at this time.
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Physicians Life Insurance Company Insurance Coverage Options
Physicians Life Insurance Company offers a range of coverage options to meet the unique needs of their customers. These coverage options include:
- Term life insurance: Provides coverage for a specified period (e.g., 10, 15, 20, or 30 years).
- Whole life insurance: Provides permanent coverage for the duration of the policyholder’s life, as long as premiums are paid.
- Final expense insurance: Provides coverage specifically for funeral and burial expenses.
- Medicare supplement insurance: Helps cover the out-of-pocket costs associated with Medicare.
- Annuities: Helps customers protect their retirement savings by providing a guaranteed income stream.
Customers can choose the type of coverage that best suits their needs, and can work with a representative from Physicians Life Insurance Company to ensure that they have the right amount of coverage for their unique situation.
Physicians Life Insurance Company Insurance Rates Breakdown
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| Driver Profile | Physicians Life Insurance Company | National Average |
|---|---|---|
| Clean Record | $105 | $119 |
| 1+ Ticket | $155 | $147 |
| 1+ Accident | $185 | $173 |
| DUI | $230 | $209 |
| Poor Credit | $181 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Physicians Life Insurance Company Discounts Available
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| Discount | Physicians Health Choice of Texas |
|---|---|
| Anti Theft | 4% |
| Good Student | 8% |
| Low Mileage | 3% |
| Paperless | 2% |
| Safe Driver | 12% |
| Senior Driver | 6% |
Physicians Life Insurance Company offers a range of discounts to help customers save money on their premiums. These discounts include:
- Multi-policy discount: Customers who have more than one policy with Physicians Life Insurance Company can receive a discount on their premiums.
- Good health discount: Customers who meet certain health criteria can receive a discount on their premiums.
- Non-smoker discount: Customers who do not smoke or use tobacco products can receive a discount on their premiums.
- Loyalty discount: Customers who have been with Physicians Life Insurance Company for a certain number of years can receive a discount on their premiums.
- Automatic payment discount: Customers who set up automatic payments can receive a discount on their premiums.
These discounts can add up to significant savings on customers’ premiums and can help make life insurance coverage more affordable.
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How Physicians Life Insurance Company Ranks Among Providers
Physicians Life Insurance Company’s main competitors are other companies that offer life insurance policies, such as:
- State Farm: This company offers a wide range of insurance products, including life insurance, and has been in business since 1922.
- Allstate: Allstate is another well-known insurance company that offers life insurance policies, as well as other types of insurance products.
- Mutual of Omaha: This company has been in business for over 100 years and offers a variety of life insurance policies, including term life, whole life, and universal life insurance.
- Nationwide: Nationwide is a Fortune 100 company that offers a range of insurance and financial products, including life insurance.
- New York Life: New York Life is the largest mutual life insurance company in the United States, and has been in business for over 175 years. They offer a variety of life insurance policies, as well as other financial products.
Overall, these companies are strong competitors of Physicians Life Insurance Company due to their long histories, varied product offerings, and reputations for quality customer service.
Read more:
- Allstate Life Insurance Company of New York: Customer Ratings & Reviews
- Nationwide Life Insurance Company Review
Frequently Asked Questions
What is the difference between whole life insurance and term life insurance?
Whole life insurance provides lifelong coverage with a guaranteed death benefit and level premiums that never increase. Term life insurance provides affordable coverage for a specified period of time with a guaranteed death benefit and fixed premiums.
How do I get a quote from Physicians Life Insurance Company?
You can get a quote by visiting the Physicians Life Insurance Company website and filling out their online form, or by calling their toll-free number.
What states does Physicians Life Insurance Company operate in?
Physicians Life Insurance Company operates in all states except New York, Massachusetts, Minnesota, and Wisconsin.
How do I qualify for the non-smoker discount?
To qualify for the non-smoker discount, you must not have smoked in the past 12 months.
How do beneficiaries file a claim with Physicians Life Insurance?
When the insured person passes away, the beneficiaries can file a claim with Physicians Life Insurance to receive the death benefit. To initiate the claims process, follow these general steps:
- Notify Physicians Life Insurance: Contact Physicians Life Insurance’s claims department to inform them of the insured person’s death. You can find the claims contact information on the insurance policy or by contacting customer service.
- Gather required documents: Physicians Life Insurance will provide a list of required documents for the claim. Typically, you will need to submit the death certificate, completed claim forms, and any other requested information.
- Submit the claim: Fill out the necessary claim forms accurately and attach the required documents. Send the completed forms and documents to the address provided by Physicians Life Insurance.
- Follow up: Keep track of the claim’s progress and communicate with Physicians Life Insurance’s claims department if you have any
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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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