Updated: June 29, 2022
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- Assurity has been in business for over 100 years; The company was founded in 1890
- This company provides insurance products for individuals and group insurance products for companies
- Assurity is a B-Corp certified and legally required to assess the impact of its business decisions on society at large
Not many life insurance companies offer both group and personal insurance policies, but Assurity life insurance is sold to individuals and businesses as well.
This company has been in business for over 100 years, and Assurity is a certified B-Corp.
As an approved B-Corp, Assurity Life Insurance Company is legally obligated to balance the impact of its business decisions on employees, customers, society and the environment at large. B-Corps strives to be more responsible in terms of its earnings and business decisions.
Assurity Life Insurance Company offers a wide range of life insurance products for customers to choose from. It also offers a number of other products and services, but this review will only focus on the life insurance offerings the company offers.
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What life insurance products does Assurity sell?
Assurity Life products include life insurance, comprehensive life insurance, comprehensive life insurance, and group life insurance. Since group life insurance is intended for employers to purchase for their employees, we will not cover this type of policy in this review.
Our review will look at the individual life insurance policies that Assurity Life Insurance Company offers and what the differences are between them. We’ll help you understand these products and how they work, so you can make an informed decision about life insurance.
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What are the details of Assurity Life Insurance products?
Assurity life insurance policies are offered in 10, 20 and 30 year terms. Assurity doesn’t have as many long-term life insurance options as other companies, but Assurity gives its lifelong customers the option to convert their insurance policy into a permanent life insurance policy.
Life insurance policies are the most affordable life insurance policies with comprehensive coverage offered by life insurance companies.
Term life insurance policies are great for people who only need life insurance coverage for a period of their lives. If you are unsure of your needs, Assurity allows you to convert your term policy into a permanent life policy.
What are the characteristics of Assurity whole life insurance products?
Life insurance differs from life insurance in several main ways:
- One, whole life insurance coverage that lasts your entire life, and;
- Secondly, whole life insurance coverage also has a cash value against which to borrow should financial need arise.
Life insurance rates are more expensive than life insurance rates. Check out how other companies’ life insurance costs compare to women with $100,000 coverage:
Gender and age affect whole life insurance rates, so it is important to compare Assurity life insurance rates against other companies in your area to find the best rates.
See the table below for a comparison of Assurity whole life insurance rates for men aged 50-65 with $100,000 coverage:
Assurity Whole Life Insurance clients may also receive a dividend. This yield is not a foolproof feature of whole life insurance policies, but the possibility exists.
Assurity also offers whole life insurance policies as a single premium product. Meaning you pay one lump sum and have life insurance coverage for the rest of your life.
What are the specifications of the comprehensive life insurance products from Assurity?
Universal life insurance is permanent life insurance that is very similar to whole life insurance. Comprehensive life insurance coverage lasts for life, has a cash value that grows over time and can be borrowed from, but comprehensive life insurance is more flexible.
Assurity’s comprehensive life insurance customers can adjust their premiums and benefits as they need to meet their current financial and life insurance needs.
Comprehensive life insurance is the best way to obtain permanent insurance coverage with the flexibility to modify your policy as per your need.
If you are interested in learning more about permanent life insurance, you can check out Insurance Information Institute Helpful resources on this topic. There are a lot of different things to consider when buying life insurance, so it’s important to have all the information you can.
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Can I access an Assurity life insurance policy online?
Assurity allows existing policyholders to access their life insurance policies on the company’s website using their login information. Assurity customers can file a claim, make an installment payment, or even change a beneficiary online.
Assurity makes managing your life insurance policy simple through its online portal.
How strong is Assurity financially?
Independent review AM Best gave Assurity an A-. This is the fourth highest possible financial rating a company can offer. This means that Assurity is a financially strong company and should not have problems paying benefits on time.
It is important to choose a life insurance company with strong financial ratings so that you can be sure that you will get your benefits money when you need it most.
Other Assurity life insurance reviews include BBBAn A+ rating, which further legitimizes the company.
Assurity Life Insurance: What’s the Bottom Line?
Assurity offers a good amount of life insurance options for clients to choose from. Whether you are looking for comprehensive life or life insurance or comprehensive life insurance, this company has a policy to suit your needs.
This company is also interesting because it also offers group life insurance for employers to purchase as part of an employee benefits package.
We haven’t gone into group life offerings in any detail, but if you’re interested in learning more about this coverage, you can contact Assurity.
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