Securian Life Insurance Company Review (2024)
Securian Life Insurance Company, a trusted name in the insurance industry, provides a diverse range of coverage options designed to safeguard individuals and families, leveraging over a century of experience and backed by an A+ financial rating from A.M. Best.
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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Securian Life Insurance Company
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A+ (Superior)Complaint Level:
LowPros
- Strong financial stability and A+ rating from A.M. Best.
- Comprehensive range of life and health insurance products.
- Hassle-free claims process.
- Positive customer reviews.
- Over a century of experience in the insurance industry.
Cons
- Does not offer auto insurance, which may limit options for those seeking bundled coverage.
Securian Life Insurance Company, a trusted name in the insurance industry, offers a diverse array of insurance coverage options to safeguard individuals and families alike. Their comprehensive portfolio includes life insurance policies like term, whole, and universal life, ensuring financial security for loved ones.
With over a century of experience, an A+ financial rating from A.M. Best, and a commitment to hassle-free claims processing, Securian stands out as a dependable choice for insurance needs. Moreover, their competitive premiums, positive customer reviews, and loyalty discounts further reinforce their dedication to customers’ financial well-being.
Securian Life Insurance Company Insurance Coverage Options
Securian Life Insurance Company understands that life’s uncertainties require a range of coverage options to ensure your financial well-being and peace of mind. They offer a diverse selection of insurance policies designed to meet your specific needs, from protecting your loved ones to securing your financial future. Here are some of the coverage options provided by Securian:
- Life Insurance: Securian offers a variety of life insurance policies, including term life, whole life, and universal life insurance. These options provide financial protection for your family in the event of your passing.
- Health Insurance: Your health is a priority, and Securian offers a range of health insurance plans to ensure you receive the best medical care when needed. Options include individual and family health coverage.
- Investment Products: Securian’s investment products, such as annuities and retirement plans, help you grow your wealth and secure your retirement. These options allow you to plan for a financially stable future.
- Specialized Insurance: Securian recognizes that unique circumstances require specialized coverage. They offer insurance options such as disability insurance and long-term care insurance, providing you with tailored protection.
Securian Life Insurance Company’s extensive coverage options cater to various aspects of your life and financial well-being. Whether you need to protect your family’s future, ensure access to quality healthcare, or plan for retirement, Securian has you covered. Their commitment to providing comprehensive insurance solutions reflects their dedication to your financial security.
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Securian Life Insurance Company Insurance Rates Breakdown
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| Driver Profile | Securian Life Insurance | National Average |
|---|---|---|
| Clean Record | $75 | $119 |
| 1+ Ticket | $113 | $147 |
| 1+ Accident | $146 | $173 |
| DUI | $250 | $209 |
| Poor Credit | $129 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Securian Life Insurance Company Discounts Available
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| Discounts | Securian Life Insurance |
|---|---|
| Anti Theft | 5% |
| Good Student | 13% |
| Low Mileage | 7% |
| Paperless | 4% |
| Safe Driver | 17% |
| Senior Driver | 6% |
Securian Life Insurance Company not only offers a wide range of insurance coverage but also provides opportunities for policyholders to save on their insurance premiums. These discounts are designed to make insurance more affordable and accessible, ensuring that you get the protection you need without breaking the bank. Here are some of the discounts available from Securian:
- Multi-Policy Discount: When you bundle multiple insurance policies with Securian, such as life insurance and health insurance, you can enjoy savings on your premiums. This makes it more cost-effective to protect multiple aspects of your life with a single provider.
- Safe Driver Discount: While Securian primarily focuses on life and health insurance, they may offer safe driver discounts if you have auto insurance policies through affiliated companies. Maintaining a clean driving record can lead to lower premiums.
- Good Health Discount: Securian values policyholders who prioritize their health. By maintaining a healthy lifestyle and demonstrating good health practices, you may be eligible for discounts on your health insurance premiums.
- Loyalty Discounts: Securian rewards long-term policyholders with loyalty discounts. The longer you stay with the company, the more you can save on your insurance premiums.
- Preferred Payment Discounts: Choosing automatic payment methods or opting for paperless billing may qualify you for additional discounts, making it convenient and cost-effective to manage your policies.
Securian Life Insurance Company not only offers a diverse range of insurance coverage but also provides discounts to help you save on your premiums. Whether you bundle policies, maintain a safe driving record, prioritize your health, or demonstrate loyalty, Securian rewards your commitment with cost-effective options.
These discounts make it easier for you to protect your financial future and well-being without sacrificing affordability.
How Securian Life Insurance Company Ranks Among Providers
Securian Life Insurance Company operates in a highly competitive insurance industry where several reputable companies vie for market share. To give you an overview, here are some of Securian’s main competitors:
- Prudential: Prudential is one of the largest insurance companies in the United States and offers a wide range of life insurance, retirement, and investment products. They have a strong presence and brand recognition in the industry.
- Metlife: Metlife is another major player in the life insurance sector, offering a variety of insurance and retirement solutions. They are known for their extensive network of agents and customer-centric approach.
- New York Life: New York Life is one of the oldest and most respected life insurance companies in the United States. They are known for their financial stability and diverse insurance products.
- Northwestern Mutual: Northwestern Mutual is well-regarded for its financial strength and focus on providing comprehensive financial planning services, including life insurance and investment products.
- AIG (American International Group): AIG offers a broad range of insurance products, including life insurance and retirement solutions. They have a global presence and cater to both individual and corporate clients.
- Massmutual (Massachusetts Mutual Life Insurance Company): Massmutual is a mutual company that offers various insurance and financial products. They emphasize long-term financial planning and have a strong reputation for customer service.
- State Farm: State Farm is known for its auto and home insurance but also offers life insurance products. They have a vast network of agents and a strong focus on customer relationships.
- Guardian Life: Guardian offers a range of insurance and financial products, including life insurance, disability insurance, and retirement planning. They are known for their commitment to policyholders.
- Principal Financial Group: Principal Financial Group provides retirement, investment, and insurance solutions. They are particularly well-regarded for their retirement planning services.
- Lincoln Financial Group: Lincoln Financial Group offers life insurance, annuities, and retirement solutions. They have a strong presence in the individual and group insurance markets.
These competitors represent just a fraction of the many insurance companies operating in the United States. The competition in the insurance industry is fierce, with each company striving to differentiate itself through product offerings, pricing, customer service, and brand reputation.
Customers benefit from this competition as it encourages companies to continuously improve their offerings and provide better value to policyholders. When choosing an insurance provider, individuals often consider factors such as financial strength, policy options, customer service, and premiums to make an informed decision that suits their unique needs.
Read more: Securian Casualty Company: Customer Ratings & Reviews
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Securian Life Insurance Company Claims Process
Ease of Filing a Claim
Securian Life Insurance Company offers multiple convenient options for filing a claim. Customers can choose to file a claim online through their user-friendly website, over the phone with their dedicated customer service team, or through their mobile app for added convenience.
Average Claim Processing Time
One of the key factors that customers consider when choosing an insurance provider is the speed and efficiency of the claims processing. Securian Life Insurance Company prides itself on its prompt handling of claims.
While specific processing times may vary depending on the nature and complexity of the claim, Securian’s commitment to hassle-free claims processing means that policyholders can generally expect a swift resolution to their claims.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a crucial role in evaluating the performance of an insurance company. Securian Life Insurance Company has received positive reviews from customers regarding their claim resolutions and payouts.
Policyholders have expressed satisfaction with the company’s responsiveness and transparency throughout the claims process. This positive feedback underscores Securian’s dedication to delivering on its promises to customers.
Securian Life Insurance Company Digital and Technological Features
Mobile App Features and Functionality
Securian Life Insurance Company offers a comprehensive mobile app that empowers policyholders with a range of features and functionalities. The app allows users to access their policy information, file claims, make premium payments, and even calculate insurance needs on the go.
Online Account Management Capabilities
For those who prefer managing their insurance policies through a web browser, Securian’s online account management platform is a robust solution. Policyholders can log in to their accounts, view policy details, update personal information, and review billing and payment history.
Digital Tools and Resources
Securian Life Insurance Company provides a range of digital tools and resources to help customers make informed decisions about their insurance coverage. These resources include educational articles, calculators to estimate insurance needs, and interactive tools to explore different policy options.
Frequently Asked Questions
What types of life insurance does Securian Life Insurance Company offer?
Securian Life Insurance Company provides a range of life insurance policies, including term, whole, and universal life insurance, ensuring financial security for individuals and families.
Are there any discounts available for policyholders with Securian Life Insurance Company?
Yes, Securian Life Insurance Company offers various discounts to help policyholders save on their premiums, such as bundling policies, maintaining a safe driving record, prioritizing health, and demonstrating loyalty.
How does Securian Life Insurance Company rank among its competitors?
Securian Life Insurance Company operates in a competitive industry and stands out with over a century of experience, an A+ financial rating from A.M. Best, positive customer reviews, and competitive premiums.
What is the claims process like with Securian Life Insurance Company?
Securian Life Insurance Company offers multiple convenient options for filing claims, including online, over the phone, or through their mobile app. They pride themselves on prompt handling and transparent claim resolutions.
What digital features does Securian Life Insurance Company provide for policyholders?
Securian Life Insurance Company offers a comprehensive mobile app for filing claims, making payments, and accessing policy information. They also have online account management capabilities and provide digital tools and resources to aid decision-making.
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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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