Sears Life Insurance company: Customer Ratings & Reviews [2025]
Unveiling the latest insights into Sears Life Insurance Company, our comprehensive review delves into coverage options, discounts, and customer feedback, offering an in-depth analysis curated by licensed insurance professionals to aid you in making informed decisions.
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Table of Contents
Table of Contents
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Chris Abrams
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...
Daniel Walker
Updated April 2024
We explore Sears Life Insurance Company, a provider of life insurance products and services. We begin by listing the types of insurance offered by the company, including term life, whole life, and final expense insurance.
We then provide an introduction that includes the company’s history and mission, followed by a discussion of the main products and services offered, including pricing information and the states where services are available. Next, we cover the different types of discounts available to customers and provide a summary of customer reviews of the company.
Finally, we include an FAQ section at the end of the article. While the article provides helpful information on Sears Life Insurance Company, it does not mention the company’s financial or customer service ratings, or its complaint level.
Sears Life Insurance Company Insurance Coverage Options
Here’s a list of coverage options offered by Sears Life Insurance Company:
- Term Life Insurance: Provides coverage for a specific period of time, typically 10-30 years. Offers a death benefit to beneficiaries if the insured passes away during the policy term.
- Whole Life Insurance: Offers permanent coverage for the duration of the policyholder’s life. Provides a death benefit to beneficiaries and may also accumulate cash value over time.
- Universal Life Insurance: Offers permanent coverage with the ability to adjust the premium and death benefit amounts. May also accumulate cash value over time.
- Final Expense Insurance: Provides coverage specifically for end-of-life expenses, such as funeral costs, medical bills, and outstanding debts. Typically has a lower death benefit than other types of life insurance.
- Accidental Death and Dismemberment Insurance: Provides coverage specifically for accidental death or serious injury resulting in loss of limb, vision, or hearing. Typically has a lower premium than other types of life insurance.
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Sears Life Insurance Company Insurance Rates Breakdown
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| Driver Profile | Sears Life Insurance | National Average |
|---|---|---|
| Clean Record | $88 | $119 |
| 1+ Ticket | $125 | $147 |
| 1+ Accident | $154 | $173 |
| DUI | $208 | $209 |
| Poor Credit | $151 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Sears Life Insurance Company Discounts Available
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| Discounts | Sears Life Insurance |
|---|---|
| Anti Theft | 8% |
| Good Student | 13% |
| Low Mileage | 10% |
| Paperless | 8% |
| Safe Driver | 13% |
| Senior Driver | 10% |
Below is a list of the discounts offered by Sears Life Insurance Company:
- Multi-policy discount: Customers who bundle their life insurance policy with another insurance policy, such as auto insurance or homeowner’s insurance, can receive a discount.
- Safe driver discount: Customers who have a clean driving record may be eligible for a safe driver discount on their life insurance policy.
- Healthy lifestyle discount: Customers who lead a healthy lifestyle, such as non-smokers or individuals who exercise regularly, may be eligible for a discount.
- Loyalty discount: Customers who have been with Sears Life Insurance Company for a certain number of years may be eligible for a loyalty discount on their policy.
- Group discount: Customers who purchase a life insurance policy as part of a group, such as through an employer, may be eligible for a group discount.
How Sears Life Insurance Company Ranks Among Providers
Some of the top life insurance companies in the U.S. based on market share include:
- MetLife
- Prudential Financial
- Northwestern Mutual
- New York Life Insurance
- Lincoln National
These companies offer a range of life insurance policies similar to Sears Life Insurance Company and may be considered as its main competitors. It’s worth noting that each company has its own unique strengths, weaknesses, pricing, and policy options. As such, customers are advised to conduct their own research and compare policies and prices before making a final decision.
Frequently Asked Questions
What is the process for filing a claim with Sears Life Insurance Company?
Customers can file a claim online or by calling the company’s claims department. The process will vary depending on the type of policy and the nature of the claim.
How do I qualify for discounts?
To qualify for discounts, customers must meet certain eligibility requirements and provide proof of their qualifications. Customers can contact Sears Life Insurance Company directly for more information.
How can I find customer ratings and reviews for Sears Life Insurance Company?
To find customer ratings and reviews for Sears Life Insurance Company, you can visit reputable review websites or platforms that collect feedback from policyholders. You can also search for online forums or social media groups where customers may share their experiences with the company.
Are there any customer ratings and reviews available for Sears Life Insurance Company?
Customer ratings and reviews for Sears Life Insurance Company may be available on various platforms. By conducting an online search or visiting review websites, you can find feedback and ratings from current or past customers who have shared their experiences with the company.
What factors should I consider when evaluating customer ratings and reviews?
When evaluating customer ratings and reviews for any insurance company, including Sears Life Insurance Company, consider the following factors:
- Overall customer satisfaction: Look for patterns in reviews that indicate whether customers are generally satisfied with the company’s services and claims process.
- Policy options and coverage: Consider reviews that discuss the range of life insurance products offered and the adequacy of coverage provided.
- Customer service: Assess feedback on the company’s responsiveness, helpfulness, and professionalism.
- Claims handling: Pay attention to how customers describe their experience with filing and settling claims.
- Pricing and value: Review comments related to premium costs and whether customers feel they are receiving fair value for their coverage.
Should I rely solely on customer ratings and reviews when choosing a life insurance company?
While customer ratings and reviews can provide valuable insights, it’s important not to rely solely on them when choosing a life insurance company. Consider them as one aspect of your research and decision-making process. Additionally, seek advice from insurance professionals, compare policy features and pricing, and review the company’s financial stability and reputation.
Are customer ratings and reviews the only criteria to evaluate the quality of a life insurance company?
No, customer ratings and reviews are not the only criteria to evaluate the quality of a life insurance company. Other important factors include the company’s financial stability, industry reputation, years of experience, policy options, customer service, claims handling, and licensing. It’s recommended to consider a combination of factors to make an informed decision.
What should I do if I cannot find customer ratings and reviews for Sears Life Insurance Company?
If you are unable to find customer ratings and reviews for Sears Life Insurance Company, you can consider alternative methods to gather information. Reach out to the company directly and request references or testimonials from satisfied policyholders. Additionally, you can consult with insurance professionals who may have experience or knowledge about the company’s reputation and performance.
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