United Equitable Insurance Review & Ratings (2024)
Explore the comprehensive and unbiased review of United Equitable Insurance. Gain valuable insights directly from customers about their satisfaction levels, claims experiences, pricing transparency, billing processes, and quality of service. Make well-informed decisions when it comes to your insurance needs based on authentic user feedback.
Read moreEric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Oct 14, 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: Oct 14, 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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United Equitable
Average Monthly Rate For Good Drivers
$81A.M. Best Rating:
C++Complaint Level:
LowPros
- Established commitment to customer-centric insurance solutions.
- Emphasis on innovation, reflected in cutting-edge digital offerings.
- Diverse range of life insurance products, including term, whole, and universal life insurance.
- Presence in most states, providing coverage to a broad customer base.
- Transparent reviews and a tech-forward approach to enhance customer satisfaction.
Cons
- Negative customer reviews and ratings indicating challenges in the claims process.
- Limited information available online about coverage options and insurance rates.
- F rating from the Better Business Bureau, primarily due to customer claims-related issues.
- A.M. Best rating of C++ (Marginal) with a negative outlook for future goals.
- Lack of visibility into the financial strength and stability of the company.
What You Should Know About United Equitable Insurance
Welcome to our enlightening article about United Equitable Insurance. In this comprehensive study, we will delve into multiple aspects of United Equitable Insurance, including ratings, client satisfaction, the claims procedure, cost, billing, and overall service quality. Our aim is to provide you with unbiased insights and real user experiences, empowering you to make well-informed decisions regarding your insurance needs.
Take the next step by entering your zip code below and comparing quotes from top-rated insurance companies. Discover the most affordable insurance options in your neighborhood and take the first move towards obtaining the coverage that is most suitable for you.
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United Equitable Insurance: A Legacy of Excellence and Innovation
Founded on a commitment to provide reliable and customer-centric insurance solutions, United Equitable Insurance has been a stalwart in the insurance industry since its inception. Established with a vision to prioritize the unique needs of individuals and families, the company has evolved over the years to become a trusted name in the insurance landscape.
United Equitable Insurance has consistently embraced advancements in technology, evident in their cutting-edge digital offerings such as a comprehensive mobile app and online account management system. This commitment to innovation reflects the company’s dedication to streamlining the insurance experience for its valued policyholders.
With a history rooted in customer-centric values and a forward-looking approach, United Equitable Insurance continues to strive for excellence, aiming to meet the ever-changing insurance needs of its diverse clientele.
United Equitable Insurance Coverage Options
United Equitable Insurance Company offers several different types of property insurance, including:
- Homeowners insurance
- Renters insurance
- Flood insurance
- Earthquake insurance
In addition to property insurance needs, United Equitable also offers car insurance, though its products are most appealing to a high-risk clientele looking for non-standard auto insurance coverage.
United Equitable may offer additional insurance coverages, but the company does not give any information on its website when it comes to coverage options or insurance quotes.
Instead, United Equitable requires any potential customers to contact an agent to learn more.
United Equitable Insurance Rates Breakdown
It’s hard to know what United Equitable’s insurance rates are for property insurance since they don’t list anything online.
But you can check out the table below to see average homeowners insurance rates by state. This may help you better understand what you can expect to pay in property insurance rates where you live.
Home Insurance Monthly Rates by State
| State | Monthly Rates |
|---|---|
| Alabama | $119 |
| Alaska | $80 |
| Arizona | $69 |
| Arkansas | $114 |
| California | $84 |
| Colorado | $125 |
| Connecticut | $123 |
| Delaware | $69 |
| Florida | $163 |
| Georgia | $106 |
| Hawaii | $92 |
| Idaho | $61 |
| Illinois | $88 |
| Indiana | $83 |
| Iowa | $80 |
| Kansas | $132 |
| Kentucky | $92 |
| Louisiana | $164 |
| Maine | $74 |
| Maryland | $86 |
| Massachusetts | $124 |
| Michigan | $79 |
| Minnesota | $112 |
| Mississippi | $128 |
| Missouri | $107 |
| Montana | $98 |
| Nebraska | $123 |
| Nevada | $63 |
| New Hampshire | $81 |
| New Jersey | $99 |
| New Mexico | $85 |
| New York | $109 |
| North Carolina | $91 |
| North Dakota | $104 |
| Ohio | $72 |
| Oklahoma | $157 |
| Oregon | $56 |
| Pennsylvania | $78 |
| Rhode Island | $129 |
| South Carolina | $106 |
| South Dakota | $100 |
| Tennessee | $100 |
| Texas | $158 |
| Utah | $58 |
| Vermont | $77 |
| Virginia | $83 |
| Washington | $71 |
| Washington, D.C. | $103 |
| West Virginia | $78 |
| Wisconsin | $65 |
| Wyoming | $96 |
| U.S. Average | $101 |
Along with location, there are other factors that affect homeowners insurance rates, like the size of the property and how much it’s worth.
As you search for property insurance, be sure to shop around online and compare quotes from different companies to get the best deal.
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United Equitable Insurance Discounts Available
United Equitable Insurance is committed to providing affordable coverage options for its policyholders. Explore the potential discounts that may help you save on your insurance premiums:
- Multi-Policy Discount: Bundle your insurance policies with United Equitable to enjoy a multi-policy discount. Combining home and auto insurance, for example, can lead to significant savings.
- Safe Driver Discounts: Maintain a clean driving record, free from accidents or traffic violations, to qualify for safe driver discounts on your auto insurance.
- Security System Discount: Protect your property with security systems, such as burglar alarms or surveillance cameras, and qualify for discounts on your homeowners or renters insurance.
- Claims-Free Discount: Demonstrate a history of responsible and claims-free coverage to potentially qualify for discounts on various insurance policies.
- Good Student Discount: If you’re a student with good academic standing, you may be eligible for discounts on auto insurance. Provide proof of your academic achievements to avail of this benefit.
- Senior Discounts: United Equitable may offer discounts for seniors, acknowledging their experience and responsible behavior.
- Discounts for Policy Renewal: Loyalty is rewarded. Stay with United Equitable over the years, and you may qualify for discounts upon policy renewal.
- Defensive Driving Course Discount: Completing a defensive driving course can not only enhance your driving skills but also make you eligible for additional discounts on auto insurance.
- Payment Discounts: Opting for convenient payment methods, such as automatic withdrawals or annual payments, may unlock additional discounts.
- Group Affiliation Discounts: Check if you qualify for discounts through group affiliations, such as alumni associations or professional organizations.
It’s important to note that the availability of discounts may vary, and not all discounts may apply to every policy or in every location. To maximize your savings, consult with a United Equitable Insurance representative who can provide tailored guidance based on your specific circumstances.
Streamlining Experience With United Equitable Insurance Claims Process
Ease of Filing a Claim
United Equitable Insurance offers limited information on its claims process. However, customer complaints suggest difficulties in communication and filing claims. Policyholders report challenges in reaching the company via phone and encountering delays in claims processing.
Average Claim Processing Time
Information regarding United Equitable Insurance’s average claim processing time is not readily available on its website. Policyholders seeking specific details about claim processing times should contact the company’s customer service or claims department directly for the most accurate and up-to-date information.
Additionally, reaching out to current or former policyholders and reading online reviews may provide insights into the typical claim processing experiences with United Equitable Insurance.
Customer Feedback on Claim Resolutions and Payouts
United Equitable Insurance has garnered negative customer reviews, particularly regarding claim resolutions and payouts. Many policyholders express dissatisfaction with the company’s responsiveness and support when it comes to claims. The Better Business Bureau has assigned United Equitable an F rating, primarily due to issues related to customer claims.
United Equitable Insurance – Cutting-Edge Digital and Technological Offerings
Mobile App Features and Functionality
United Equitable Insurance’s mobile app offers a comprehensive suite of features and functionalities to streamline policy management for customers. Users can conveniently access policy details, digital insurance ID cards, and make coverage changes directly through the app.
Additionally, the app may provide tools for claims reporting, facilitating quick and easy claim submissions. Policyholders can enjoy the convenience of having their insurance information at their fingertips, making it easier to stay informed and in control of their coverage.
Online Account Management Capabilities
United Equitable Insurance’s online account management system empowers policyholders with convenient tools for accessing policy details, viewing billing statements, making payments, and accessing important policy documents, streamlining the management of their insurance accounts.
Digital Tools and Resources
United Equitable Insurance does not offer extensive details about its digital tools and resources. To assess the digital tools and resources provided by the company, customers should reach out to its customer service or explore the online portal for any available resources.
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How United Equitable Insurance Ranks Among Providers
United Equitable Insurance faces formidable competition in the dynamic insurance landscape. Here’s a comparative overview with some key rivals:
StateFarm: StateFarm, a giant in the industry, boasts an extensive agent network and diverse coverage options. While enjoying financial stability, customer feedback occasionally highlights challenges in the claims process. In contrast, United Equitable positions itself as a tech-savvy alternative, focusing on cutting-edge digital solutions.
Allstate: Known for innovation and financial strength, Allstate provides a range of insurance products. However, concerns about premium competitiveness and occasional customer service issues exist. United Equitable differentiates itself through personalized service and a transparent approach to reviews.
Progressive: Progressive’s strength lies in its user-friendly online platform and competitive pricing, particularly in auto insurance. However, potential complexity in bundling and limited policy customization are noted weaknesses. United Equitable strikes a balance, offering both personalized service and digital convenience.
Geico: Geico stands out for its simplicity, competitive pricing, and efficient online services. Challenges reported in the claims process and communication hiccups, though sporadic, are customer concerns. United Equitable positions itself as a reliable alternative, emphasizing customer satisfaction, transparent reviews, and a tech-forward approach.
While each competitor has its unique strengths, United Equitable aims to offer a holistic insurance experience that caters to diverse customer preferences. Prospective policyholders should carefully assess their specific needs when considering United Equitable against these established industry players.
How are United Equitable’s ratings?
It is obvious from the information provided above that United Equitable has extremely negative customer reviews online, and for a good reason. If you purchase an insurance policy, your expectation is that it would be beneficial to you if and when you ever need to use it.
With United Equitable, however, there is little to no assistance when it comes to filing an insurance claim. For this reason, the company has garnered negative ratings from trusted sources.
The Better Business Bureau has given United Equitable an F rating, citing the company’s neglect when it comes to customer claims.
On the BBB website, you can see that, out of nearly 100 complaints with the company, over 85% of the complaints are directly related to a problem with United Equitable’s service.
Similar to BBB, A.M. Best has given United Equitable a rating of C++ (Marginal) for financial strength and has ascribed a negative outlook to the company’s future goals.
Overall, this shows that United Equitable is not a safe company to choose when it comes to insurance needs.
Frequently Asked Questions
What is United Equitable Insurance Company?
United Equitable Insurance Company is a life insurance company that offers a range of life insurance products, including term life insurance, whole life insurance, and universal life insurance.
How is United Equitable Insurance Company rated?
United Equitable Insurance Company is not currently rated by any of the major independent rating agencies.
What types of life insurance products does United Equitable Insurance Company offer?
United Equitable Insurance Company offers several types of life insurance products, including:
- Term life insurance: Provides coverage for a specified period of time, typically 10, 20, or 30 years.
- Whole life insurance: Provides coverage for the insured’s entire life, and includes a savings component.
- Universal life insurance: Provides flexibility in premium payments and death benefits, and includes a savings component.
Is United Equitable insurance available in all states?
United Equitable insurance is available in most states, but not all. To see if the company’s insurance is available in your state, you can visit their website or contact their customer service.
How do I get a quote from United Equitable Insurance Company?
To get a quote from United Equitable Insurance Company, you can visit the company’s website and fill out an online quote form, or you can contact their customer service by phone or email.
How do I apply for life insurance with United Equitable Insurance Company?
To apply for life insurance with United Equitable Insurance Company, you can visit the company’s website and fill out an online application, or you can contact their customer service by phone or email.
What is the financial strength of United Equitable Insurance Company?
United Equitable is a relatively small company, and its financial strength and stability are not well-known. It is important to carefully research the company’s financial strength and stability before purchasing a policy.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
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.