Assurity Life Insurance Review & Ratings (2024)
Explore Assurity Life Insurance's range of policies, including term life, whole life, and universal life, tailored to meet your unique needs. Discover the benefits of their competitive rates, flexible coverage options, and exceptional customer service. Whether you're seeking coverage to provide for your family's future, protect your business, or plan for retirement, Assurity Life Insurance offers reliable and trusted solutions.
Read moreLaura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Sep 13, 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 company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 13, 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 company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies 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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Assurity Life Insurance
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LowPros
- Comprehensive range of insurance products, including life, disability, and critical illness insurance.
- Competitive pricing and flexible payment options.
- Availability of discounts, including multi-policy, healthy habits, occupational, and electronic funds transfer discounts.
- Coverage offered in all 50 states, providing nationwide accessibility.
- Multiple convenient ways to file claims, including online, phone, and mobile app.
- Commitment to efficient claim processing with a competitive average processing time.
- Mobile app features for policy management and claims initiation.
- Online account management capabilities for easy policy management.
- Additional digital tools and resources to enhance the overall insurance experience.
Cons
- Mixed customer reviews with reported strengths in affordable prices and comprehensive coverage, but some criticisms of customer service, including long wait times.
- Mixed feedback on claims handling, with some customers expressing dissatisfaction with the process.
Assurity Life Insurance is a well-known and well respected insurance provider that offers products and services to customers across the United States. They believe in providing peace of mind to their customers and want to help protect families when unexpected events arise.
Assurity Life Insurance is a reliable and affordable insurance provider that offers a range of insurance products and services to customers across the United States. With competitive pricing, flexible payment options, and a variety of discounts, Assurity Life Insurance provides peace of mind to customers and helps protect their families in case of unexpected events.
What You Should Know About Assurity Life Insurance
Welcome to our comprehensive guide on Assurity Life Insurance and the various aspects you need to know. Explore the benefits, coverage options, and reliability of Assurity Life Insurance, a trusted provider in the industry. We will discuss key topics such as term life insurance, whole life insurance, and universal life insurance, highlighting their features, advantages, and suitability for different individuals.
- Offers a range of insurance products, including life insurance, disability insurance, and critical illness insurance
- Provides competitive pricing and flexible payment options
- Committed to customer satisfaction and offers a variety of discounts to reward loyalty
To ensure you find the best rates and coverage, we encourage you to enter your zip code and compare quotes from the top insurance providers. Don’t miss out on the opportunity to protect your future and secure peace of mind with Assurity Life Insurance.
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Assurity Life Insurance Coverage Options
Assurity Life Insurance offers a range of insurance products, including life insurance, disability insurance, and critical illness insurance. Their life insurance options include term life insurance, whole life insurance, and universal life insurance, while their disability insurance options include short-term and long-term disability insurance.
Assurity Life Insurance also offers critical illness insurance, which provides a lump-sum payment in case of a critical illness, such as cancer, heart attack, or stroke. Their services are offered in all 50 states, providing comprehensive coverage to customers no matter where they live.
The following are the main products and services offered by Assurity Life Insurance:
- Life insurance: Assurity Life Insurance offers a variety of life insurance options, including term life insurance, whole life insurance, and universal life insurance. Term life insurance provides coverage for a specified term, while whole life insurance provides coverage for the entirety of the policyholder’s life. Universal life insurance provides both death benefit protection and a tax-deferred savings component.
- Disability insurance: Assurity Life Insurance also offers disability insurance, which provides financial support in case of an injury or illness that prevents the policyholder from working. They offer both short-term and long-term disability insurance options, allowing customers to choose the coverage that best fits their needs.
- Critical illness insurance: This type of insurance provides a lump-sum payment in case of a critical illness, such as cancer, heart attack, or stroke. This can help cover the cost of medical bills and other expenses incurred as a result of a critical illness.
- Group life and disability insurance: Assurity Life Insurance also offers group life and disability insurance to employers, providing coverage for their employees. This can help employees protect their families in case of an unexpected event and provide peace of mind to both the employees and the employer.
In addition to these main products and services, Assurity Life Insurance also offers a variety of other insurance products, including annuities and long-term care insurance. Their comprehensive range of products and services makes them a one-stop-shop for all of your insurance needs.
Assurity Life Insurance offers competitive pricing on their insurance products and services. The cost of life insurance depends on factors such as age, gender, health status, and coverage amount, but Assurity Life Insurance provides flexible payment options to help make their insurance products and services affordable for customers.
Assurity Life Insurance Discounts Available
Assurity Life Insurance offers a variety of discounts to customers to help make their insurance products and services more affordable. The following are some of the discounts available:
- Multi-policy discount: Assurity Life Insurance offers a multi-policy discount to customers who have multiple policies with the company. This discount can help customers save money on their insurance premiums by bundling their policies together.
- Healthy habits discount: Assurity Life Insurance offers a discount to customers who maintain healthy habits, such as regular exercise, healthy eating, and not smoking. This discount is designed to encourage customers to adopt healthy habits and lead a healthier lifestyle.
- Occupational discount: Assurity Life Insurance offers a discount to customers who work in certain occupations, such as teachers, healthcare workers, and first responders. This discount is designed to recognize and reward the contributions of these important professions to society.
- Electronic funds transfer discount: Assurity Life Insurance also offers a discount to customers who choose to pay their premiums electronically, via automatic bank draft or credit/debit card. This discount is designed to incentivize customers to use the company’s convenient and secure electronic payment methods.
These are just a few of the discounts offered by Assurity Life Insurance. Customers are encouraged to speak with a representative to learn more about the discounts available to them and how they can qualify for them. By taking advantage of these discounts, customers can save money on their insurance premiums and ensure that they are getting the most affordable coverage available.
Assurity Life Insurance is a national company that offers insurance products and services to customers across the United States. They are licensed to sell insurance in all 50 states, making it easy for customers to find the coverage they need, no matter where they live.
In some states, Assurity Life Insurance may offer different products and services, or have different requirements for customers to qualify for certain discounts or coverage options. However, their comprehensive range of insurance products and services makes them a top choice for customers across the country who are looking for affordable and comprehensive insurance coverage.
Whether you are a resident of a major metropolitan area or a smaller town, Assurity Life Insurance is committed to providing you with the insurance products and services you need to protect your family and secure your financial future. With a strong commitment to customer service and a proven track record of financial stability, Assurity Life Insurance is a trusted choice for customers across the United States.
Navigating Assurity Life Insurance Claims Process
Ease of Filing a Claim
Assurity Life Insurance offers multiple convenient ways for policyholders to file a claim. You can file a claim through their online portal, over the phone, or by using their mobile app. This flexibility ensures that you can choose the method that best suits your needs and preferences, making the claims process as hassle-free as possible.
Average Claim Processing Time
One key factor that policyholders consider when choosing an insurance provider is the speed of claim processing. Assurity Life Insurance is committed to efficient claim processing, and their average processing time is competitive within the industry. This means that when you file a claim, you can expect a timely response, helping you get the financial assistance you need when it matters most.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is invaluable when assessing an insurance company’s performance in handling claims. Assurity Life Insurance has received mixed reviews from customers regarding their claim resolutions and payouts.
Some policyholders have praised the company for their fair and prompt claim settlements, while others have expressed concerns about the claims process. It’s essential to consider both positive and negative feedback to make an informed decision about Assurity Life Insurance.
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Exploring Assurity Life Insurance Digital and Technological Capabilities in Life Insurance
Mobile App Features and Functionality
Assurity Life Insurance offers a mobile app that provides policyholders with convenient access to their insurance information. The app allows you to view policy details, make premium payments, and even initiate the claims process from your mobile device. Additionally, it provides valuable resources and tools to help you manage your insurance effectively.
Online Account Management Capabilities
Assurity Life Insurance’s online account management capabilities empower policyholders to take control of their insurance policies. Through their online portal, you can easily manage your policy, update personal information, review coverage details, and access important documents.
This online platform streamlines the communication between you and the insurance company, making it easier to stay informed and make informed decisions.
Digital Tools and Resources
In addition to their mobile app and online account management, Assurity Life Insurance offers various digital tools and resources to enhance the insurance experience. These resources may include educational materials, calculators, and informational articles that help you better understand your insurance options and make well-informed decisions about your coverage.
How Assurity Life Insurance Ranks Among Providers
Assurity Life Insurance is a prominent player in the insurance industry, offering a range of life insurance products with a focus on providing peace of mind and financial security to its customers. As customers explore their options, it’s essential to consider various providers to make informed decisions. Here are some key competitors to Assurity Life Insurance in the market.
- Prudential Financial: A global insurance and financial services company, Prudential offers a wide range of insurance products, including life insurance, annuities, and retirement solutions.
- New York Life Insurance Company: Known for its financial strength and stability, New York Life is a mutual company offering life insurance, retirement planning, and investment products.
- MetLife: As one of the largest global providers of insurance, annuities, and employee benefits, MetLife serves individuals and businesses with a diverse range of financial products.
- Northwestern Mutual: A mutual company with a focus on financial planning, Northwestern Mutual offers life insurance, investment products, and advisory services to help clients achieve their financial goals.
- State Farm: Recognized for its extensive network of agents, State Farm provides a range of insurance products, including life insurance, as well as banking and investment services.
- Lincoln Financial Group: Offering a diverse portfolio of financial and insurance products, Lincoln Financial provides solutions for life insurance, annuities, and retirement planning.
- Guardian Life Insurance Company: With a focus on mutual ownership, Guardian offers life insurance, disability insurance, and other financial products to individuals, businesses, and employees.
- MassMutual: As a mutual company, MassMutual provides life insurance, retirement planning, and investment products, emphasizing long-term financial security for its policyholders.
- AIG (American International Group): A global insurance and financial services organization, AIG offers a range of products, including life insurance, retirement solutions, and property-casualty insurance.
When considering life insurance options, it’s crucial to evaluate various providers to find the coverage that best suits your needs. Each of these competitors brings unique strengths and offerings to the table, and a careful comparison can help you make an informed decision tailored to your financial goals and preferences.
Assurity Life Insurance has received mixed reviews from customers, with some praising the company for its affordable prices and comprehensive coverage options, while others have criticized its customer service and claims handling processes. Here is a brief overview of some of the most commonly reported strengths and weaknesses of the company, based on customer reviews:
Strengths:
- Affordable prices: Many customers have praised Assurity Life Insurance for its competitive prices, which they say are among the most affordable in the industry. This has made the company a popular choice for customers who are looking for high-quality coverage at an affordable price.
- Comprehensive coverage options: Assurity Life Insurance offers a comprehensive range of insurance products and services, including life insurance, disability insurance, critical illness insurance, and more. This has made the company a popular choice for customers who are looking for a one-stop-shop for all of their insurance needs.
Weaknesses:
- Customer service: Some customers have criticized Assurity Life Insurance for its customer service, reporting long wait times and unhelpful representatives. These customers have expressed frustration with the company’s lack of responsiveness and poor communication.
- Claims handling: Some customers have reported issues with the claims handling process, including denied claims and slow payment times. These customers have expressed dissatisfaction with the company’s handling of their claims and have felt that their needs were not adequately addressed.
It is important to note that customer reviews can vary greatly, and what one customer experiences may not be representative of the company as a whole.
Overall, Assurity Life Insurance has received a mix of positive and negative reviews from customers, with some praising the company for its affordable prices and comprehensive coverage options, while others have criticized its customer service and claims handling processes.
Despite these minor drawbacks, Assurity Life Insurance remains a trusted and reputable insurance provider, with a strong commitment to customer satisfaction.
Frequently Asked Questions
What is Assurity Life Insurance?
Assurity Life Insurance is a life insurance company that offers a range of life insurance products, including term life insurance, whole life insurance, and universal life insurance.
What types of life insurance does Assurity offer?
Assurity offers term life insurance, whole life insurance, and universal life insurance.
How much life insurance coverage can I get with Assurity?
The amount of life insurance coverage available through Assurity varies depending on the specific policy and the individual’s needs and circumstances.
How much does life insurance from Assurity cost?
The cost of life insurance from Assurity varies depending on several factors, including the type and amount of coverage selected, the individual’s age and health, and other factors that may affect the risk of the insured passing away during the term of the policy.
What is the underwriting process for Assurity life insurance?
The underwriting process for Assurity life insurance involves a review of the individual’s health and medical history, as well as other factors that may impact the risk of the individual passing away during the term of the policy.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.