Assurity Life Insurance Top Policies and Best Riders 2024 Guide
Written by Daniel Ray, Life Insurance Expert |
✅
Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
If you are in search of Assurity Life Insurance’s top policies and best riders, you’ve come to the right place!
Assurity Life Insurance is a company that offers affordable life insurance for seniors. With so many options, it can be difficult to decide what policy and riders are the best fit for you.
That’s why we’ve compiled a list of some of our favorite policies from Assurity and highlighted their benefits.
What do you think? Is there anything else you would like to know about these policies or other products from Assurity?
Article Navigation
- Assurity Life Insurance Reviews
- Can I Get Assurity Term Life Insurance?
- Why Assurity Whole Life Insurance
- Why Assurity Life Acci Flex Accidental Death Benefit Insurance
- Assurity Life Disability Insurance
- Why Assurity Critical Illness
- Can I Get Annuities with Assurity Life Insurance
- Can I Get Mortgage Protection Insurance From Assurity Life
- Assurity Life Insurance Contact information
- FAQs
- Conclusion
Assurity Life Insurance Reviews
What is Assurity life insurance? I will tell you one thing, Assurity Life Insurance Company has really done an awesome job with keeping their products competitively priced.
Whether you are looking for coverage for family or business, Assurity Life will always be at the top as far as the quality of products and services. This is why we have them in our 10 best carriers of 2019!
First, in this article, we will go over just who this carrier is, what types of products and do they live up to the hype!
Second, this will be a complete insurance company review from A-Z! In fact, our goal is to give you a complete overview of this company so you can make a choice if this company will be the best one for you!
Third, feel free to get an Assurity Life Insurance Quote by clicking on the quote on the left.
Finally, let’s dig in!
About Assurity Life Insurance Company
Above all, Assurity life has roots dating back to 1890! They have provided life insurance, disability, and critical illness insurance to help people through difficult times.
By the same token, Assurity Life Insurance helps with voluntary employee benefits as well. In addition, this is through independent brokers worldwide.
What is Assurity Life Insurance Company Address: 2000 Q Street. Lincoln, Nebraska
Is there an Assurity Life Insurance Phone Number: (800) 869-0355
What is Assurity Life Insurance Rating (AM Best): A- (Excellent), ($250 Million To $500 Million)
What is Assurity Life Insurance company rating? They have an unwavering commitment to the financial strength and has been consistently Rated EXCELLENT as far as industry standards.
Why We’re A Mutual Organization
For Instance, Assurity Life is a Mutual Organization.
To demonstrate, what that means is they do not have shareholders that they need to answer to.
It’s amazing how much focus you can put on your policyholders when you are not worrying too much about a stock value! In fact, the policyholders share in the ownership of the company.
Our Companies
- First, Assurity Group, Inc.
- Second, Assurity Life Insurance Company
- Third, Assurity Life Insurance Company of New York
- Lastly, Assurity PEO Holdings Inc (Majority Interest in Resourcing Edge)
They have a state of the art award-winning LEED Gold Certified building and have a strong belief in attracting and retaining the best talent.
Assurity ranks in the 91st percentile of all companies in the Gallup surveys worldwide as far as employee engagement.
Products Offered By Assurity Life
Important to realize, Assurity Life has a very well-diversified product line to help consumers reach their goals. Here are some of the products they provide:
- Term Life
- Whole Life
- Universal Life
- Accidental Death (Acci-Flex)
- Disability Income
- Critical Illness
- Annuities
Can I Get Assurity Term Life Insurance?
I must say that the term life policy that Assurity offers is very competitively priced. Assurity NonMed 350 Term Life Policy is one of the Assurity Life Insurance Company’s most popular life insurance plans.
The price ranges from $50,000-$350,000. With this in mind, you can receive coverage for up to 30 years. However, you’ll have to meet a few requirements.
Their accelerated underwriting process uses real-time data that provides instant approval for more than 50% of the consumers that apply.
Another key point, Assurity Life also provides one of the best No Exam term life insurance policies in the industry.
If fact, I have used there 25k term policy for many of my senior clients as their insurance quotes at this level is very hard to beat.
Assurity Life Insurance Reviews
Is Assurity life insurance good?
Here are some of the features Assurity’s term policy offers:
- Flexible face amounts from $25,000 to $10 million on all underwriting classes
- Includes a no-cost Accelerated Benefits Rider
- Convertible to whole or universal life
- Endowment Benefit Rider (Return of Premium)
- Riders such as Disability Income and Critical Illness for customizing protection
- Highly competitive premiums that fit almost any budget
They also have a full medical exam life insurance term and other insurance products.
Here is Assurity Term Life Sample Policy: CLICK HERE
Why Assurity Whole Life Insurance
Assurity’s whole life products are affordable permanent life insurance that lasts a lifetime.
In fact, they come with guarantees on death benefits, premiums and cash values! Above all, these cash values can assist in funding for many needs.
For example, college, retirement, emergencies and to start a business. Assurity life insurance for seniors is also a quality product for final expenses.
Furthermore, these policies provide living benefits for nursing facility or terminal illness care.
Can I get whole life insurance with Assurity life insurance company?
Here are some of Assurity’s whole life products:
- What is LifeScape Whole Life – Plan is a level benefit, Guaranteed Premiums and mature at age 121.
- Tell me about LifeScape Joint Whole Life – A benefit is paid upon the death of the first joint insured. If both insureds die within 24 hours, the benefit will be paid for each.
- LifeScape Single Premium Whole Life – Single-premium, level-benefit, participating whole life insurance with maturity at age 121
- Assurity Single Premium Whole Life – Minimum $10,000 for Ages 15 days – 54 years; Minimum $5,000 for Ages 55 – 85 years
Here is Assurity Whole Life Sample Policy: CLICK HERE
Why Assurity Universal Life?
What Is Universal Life Insurance?
To explain, Assurity’s universal life is considered the most flexible life insurance alternative. You have the option to change premiums or coverage amounts like most UL products.
They also come with riders to customize coverage. In fact, this policy is excellent for building tax-deferred cash value over time.
Why Assurity Life Acci Flex Accidental Death Benefit Insurance
What is Assurity income protection?
Assurity’s accidental death product is one of the best in the industry.
In fact, the one thing that makes it in the league of their own is the Disability Insurance Rider (DI rider.) This provides income protection for total disability from an accident.
In general, this policy is a great alternative for uninsurable consumers and DI insurance prospects. For instance, it is typically issued the same day and up to $350,000 in death benefits.
It also has a return of premium rider so you can all your money back. Assurity disability rider is a no brainer. Plan for the unexpected!
Assurity Life Disability Insurance
Can I get disability insurance with assurity life insurance company?
What if I have a disability? Assurity’s Disability income insurance gives you the paycheck protection that you need in the aftermath of a bad situation. They have a broad DI portfolio with multiple riders available to customize.
For instance, Everything is at risk with a disability like your home, savings, retirement funds etc.
What disability policies does Assurity Life Insurance offer
Here are some of the outstanding products they offer for Disability insurance:
- What is AssurityBalance Century+ Disability Income Policy – Is individual guaranteed-renewable disability income coverage. To clarify, it’s ideal for individuals in the middle-income market and a variety of occupations including the self-employed.
- Do I qualify for AssurityBalance Simplified Disability Income Policy – Individual guaranteed-renewable disability income coverage with a simplified application. Furthermore, streamlined underwriting processes. In fact, it’s ideal for individuals in the lower to upper-middle-income markets.
- Business Overhead Expense Disability Income Policy – Pays for usual business operating expenses that are generally accepted as tax-deductible while the insured is totally disabled.
- Is AssurityBalance Graded Benefit Disability Income Policy a good idea?– This policy is individual guaranteed-renewable. Impaired risk disability income insurance with a traditional definition of disability. Also, a reduced benefit amount for disabilities commencing in the first two policy years.
Why Assurity Critical Illness
What is a critical illness policy? Assurity life critical illness insurance protects you from a critical illness like a heart attack, cancer or a stroke.
This CI policy pays a lump-sum benefit at first diagnosis. Truly, I am sure a $25,000-$50,000 will help relieve the financial stresses during a difficult time.
To example, here are Assurity Life Insurance Company’s Critical Illness products:
- Assurity Balance Critical Illness Policy – $50,000-$500,000 Benefit Amounts
- AssurityBalance Simplified Critical Illness Policy – $5,000-$50,000 Benefit Amounts
Can I Get Annuities with Assurity Life Insurance
Above all, seniors enjoy retirement knowing the basic needs are met.
With Assurity annuities you can feel confident that when you are in the golden years the financial security that you worked hard for will be intact.
In detail, here are some of the Annuity products Assurity offers:
- How do you obtain Ascential Encore Single Premium/Deferred Annuity – Up to 12 percent of the account value per policy year, with no surrender charges.
- Is Ascential Plus One SIngle-Premium/Deferred Annuity an option for me? – Up to 10 percent of the account value per policy year, with no surrender charges.
- Ascential Single-Premium Immediate Annuity – Life income, life income with a guaranteed period, fixed amount, fixed period; Certainly, others available upon request.
Can I Get Mortgage Protection Insurance From Assurity Life
Mortgage Protection Insurance vs Life Insurance
If you have bought a house anytime in recent years then the mortgage lender has told you that you need to purchase mortgage protection insurance.
The first thing to remember, this pays off your mortgage balance in the event of a total loss.
In fact, this best way to cover this is to get a term policy equal to the amount of time you took out your mortgage. This will fully protect you from loss.
Furthermore, Assurity Term Life will be more cost-effective than some commercial carriers like state farm and security financial life.
Assurity Life Insurance Contact information
Here are some helpful links including Assurity Life insurance company phone number/numbers
The best Assurity life insurance customer service: (800) 869-0355
What is Assurity Life Insurance Company Address: 2000 Q St, Lincoln, NE 68503
The phone number for Assurity life insurance change of beneficiary form: Call 855-380-3300
I am looking for Assurity life insurance application: Call 855-380-3300
How do I get Assurity life insurance claim forms: Call 855-380-3300
I want to make a payment, Assurity life insurance payment: (800) 869-0355, Ext. 4279
If you have any questions for us regarding Assurity Insurance Agency, don’t hesitate to ask us!
You can also email Assurity at Client Services, Cl************@as******.com.
FAQs
Assurity’s top policies include term life insurance, whole life insurance, universal life insurance, and disability income insurance.
Assurity’s whole life insurance offers guaranteed premiums, a death benefit, and a cash value component that grows tax-deferred.
Their universal life insurance provides flexible premiums and death benefits, along with a cash value component that can be adjusted to changing financial needs.
Notable riders include the critical illness rider, disability income rider, and accelerated death benefit rider, allowing for customization of coverage.
It provides a steady stream of income if you become disabled and unable to work, which is crucial for income protection.
Assurity is known for its straightforward policy terms, easy application process, and helpful customer service, making their policies user-friendly.
Assurity is generally well-regarded for its strong financial ratings, customer satisfaction, and a wide array of insurance products.
Assurity is known for a reliable claims process and attentive customer service, emphasizing timely and fair handling of policyholder claims.
Assurity offers some customization for specific health conditions, especially through their riders, but it’s best to discuss individual needs directly with them.
Yes, Assurity provides online policy management for ease of access and convenience in managing and updating insurance policies.
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Conclusion
I know you’re probably wondering what Assurity Life Insurance is. Let me tell you, it’s amazing! If you want to find out more about the company and their products that are so great for your family or business needs, just get in touch with them. We can answer any questions or concerns that may arise while getting a quote from these guys because we have worked exclusively with them for many years now as one of our partners here at PinnacleQuote.
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