Assurity Life Insurance Review 2027: Is It a Good Company?
Assurity Life Insurance review shoppers usually want to know whether Assurity is financially dependable, how its term and permanent policies compare, and whether its accelerated underwriting can really make the application easier. My answer is that Assurity is a solid company worth comparing—especially when no-exam underwriting, living benefits, return-of-premium options, or flexible permanent coverage matter.
I would not choose Assurity just because it has good features. A life insurance policy still has to fit your health, budget, coverage amount, and long-term goal. I want the carrier to earn your business against the rest of the market.
Is Assurity a Good Life Insurance Company in 2027?
Yes. Assurity is a mutual insurer with more than 130 years of history, an A- (Excellent) A.M. Best rating, term and permanent life insurance, accelerated underwriting, and several living-benefit options. I rate Assurity 4.4/5 for consumers. Its strongest appeal is flexibility; its main limitation is that another carrier may still offer better pricing or underwriting for your specific profile.
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Table of Contents
Assurity Life Insurance Review: What Stands Out?
Assurity is a mutual organization based in Lincoln, Nebraska, with roots dating to 1890. Being mutual means the organization is owned by and accountable to the people it insures rather than outside shareholders. Assurity is also a Certified B Corporation.
For consumers, the more important point is the breadth of coverage. Assurity currently offers term life insurance, whole life, universal life insurance, critical illness coverage, disability income insurance, and annuities.
How Financially Strong Is Assurity?
Assurity currently reports an A- (Excellent) financial-strength rating from A.M. Best. That is a strong rating, although it sits below A, A+, and A++ on A.M. Best’s scale.
I use financial strength as one part of the decision. It tells me whether I am comfortable considering the insurer for a long-term obligation, but it does not tell me whether Assurity will give you the best rate or underwriting outcome. Our A.M. Best rating guide explains how the grading system works.
| Measure | Current Information | What It Means |
|---|---|---|
| A.M. Best | A- (Excellent) | Strong assessment of the insurer’s ability to meet ongoing obligations |
| Structure | Mutual organization | Owned by and accountable to the people it insures |
| History | Roots dating to 1890 | More than 130 years of operating history |
| Certified B Corp | Yes | Voluntary standards for social and environmental performance, transparency, and accountability |
Assurity Term Life Insurance
Assurity Term Life with Accelerated Underwriting is the company’s core level-term product. It offers 10-, 15-, 20-, and 30-year level-premium periods and can be renewed after the initial term at higher annual rates, subject to the policy.
The consumer brochure also includes a conversion option, which can let you move to eligible permanent coverage without proving insurability again. That can matter if your health changes later and you still need coverage.
| Feature | Current Detail |
|---|---|
| Term periods | 10, 15, 20, or 30 years |
| Premiums | Guaranteed level during the selected initial term |
| Accelerated underwriting | Immediate decisions may be available for qualified applicants at selected face amounts |
| Conversion | Can convert to eligible permanent life insurance without additional underwriting, subject to policy rules |
| Renewability | Renewable to age 95 under the consumer brochure’s policy terms |
| New York | Product shown in the supplied brochure is not available in New York |
Can You Get Assurity Life Insurance Without a Medical Exam?
Possibly. Assurity’s accelerated underwriting can provide an immediate decision without a traditional medical exam for qualified applicants. The consumer brochure states that qualified applicants may receive an immediate decision on benefit amounts up to $1 million, with higher amounts requiring additional underwriting depending on age.
No-exam does not mean no underwriting. Assurity can still use application information and other underwriting data before deciding whether you qualify. If avoiding an exam is important, see our no medical exam life insurance guide.
What Living Benefits Does Assurity Offer?
Assurity’s term coverage includes an Accelerated Benefits Rider that can provide access to part of the death benefit after a qualifying terminal illness or when permanent nursing-home care is required, subject to the rider’s terms.
Optional protection can also include return-of-premium, critical illness, and monthly disability-income riders. These features can be useful, but they are not substitutes for health insurance, long-term-care insurance, or a full disability policy. Our living benefits guide explains the differences.
Assurity Whole Life Insurance in 2027
In April 2025, Assurity introduced a redesigned participating whole-life lineup with two approaches: Whole Life Protect+, built to emphasize death-benefit value, and Whole Life Perform+, built more heavily around cash-value accumulation.
The newer lineup includes built-in accelerated death benefits, multiple payment-period choices, optional riders, and accelerated underwriting that can be available up to $1 million for qualifying applicants. Because it is participating whole life, dividends may be available but are not guaranteed.
| Product | Main Emphasis | Consumer Consideration |
|---|---|---|
| Whole Life Protect+ | Maximizing permanent death-benefit value | Worth considering when lifelong protection is the primary goal |
| Whole Life Perform+ | Greater emphasis on cash-value accumulation | Requires careful review of guarantees, non-guaranteed values, loans, and long-term funding |
If you are comparing permanent coverage, our whole life insurance guide explains guaranteed cash value, dividends, policy loans, and how whole life differs from term.
Does Assurity Offer Universal Life Insurance?
Yes. Assurity currently offers flexible-premium universal life insurance. Current product materials describe issue ages from 15 days through 85, coverage beginning at $25,000, level or increasing death-benefit options, and non-medical underwriting limits that vary by age.
Universal life is more complicated than term insurance. Policy charges, credited interest, premium funding, loans, withdrawals, and death-benefit changes can affect whether the policy remains in force. I would never recommend buying UL based only on an illustration headline.
What Is Assurity Life Protect+?
Life Protect+ is designed to combine term life insurance with optional critical-illness and disability-income protection through one application and one premium structure. For the right consumer, that can simplify protection against more than one financial risk.
I would still compare the pieces individually. A bundled design is convenient, but the term policy, critical-illness coverage, and disability benefit each need to stand on their own merits.
If income protection is one of your main concerns, see our disability insurance guide. If a chronic or serious health condition is already part of your history, our life insurance with chronic illness guide explains why underwriting strategy matters.
What Other Insurance Does Assurity Offer?
Assurity offers more than life insurance, but I would keep those products secondary in a life-insurance review so the page stays focused on the consumer’s main question.
Current offerings include disability income, critical illness, accidental-death coverage, and annuities. Assurity also launched a new Income Protection+ long-term disability product in February 2026 and a streamlined Quick Issue Critical Illness product in September 2026.
| Product | Purpose |
|---|---|
| Income Protection+ | Long-term disability income protection |
| Critical Illness / Quick Issue Critical Illness | Lump-sum benefits for covered serious illnesses |
| Accidental Death Insurance | Death benefit limited to qualifying accidental causes |
| Annuities | Long-term accumulation and retirement-income planning |
Assurity Life Insurance Pros and Cons
Assurity has a strong mix of flexibility, accelerated underwriting, and living-benefit options. It is especially interesting for consumers who want more than a basic term policy without jumping immediately into a highly complex permanent design.
The tradeoff is that Assurity will not win every price or underwriting comparison, and some of its most valuable optional features can increase cost.
| Pros | Cons |
|---|---|
| A- (Excellent) A.M. Best rating | Another carrier may offer a better rate for your health profile |
| Mutual organization with roots dating to 1890 | Term choices stop at 30 years rather than 35 or 40 |
| Accelerated underwriting and possible no-exam decisions | No-exam approval is not guaranteed |
| Useful living-benefit and return-of-premium options | Optional riders can increase premium |
| Updated participating whole-life lineup | Whole life and universal life require more careful long-term review |
| Broad disability and critical-illness portfolio | Bundled products are convenient but should still be compared component by component |
When Might Another Carrier Be Better Than Assurity?
Assurity can be a very good fit, but I would not force every applicant into it. Banner or Protective may be stronger when the goal is long level-term duration and aggressive term pricing. Prudential may be more useful for certain complex medical histories or conversion priorities.
For a broader comparison, see our best life insurance companies for 2027.
Banner Life
Competitive term pricingLong terms
Banner is worth comparing when simple, competitively priced term insurance is the priority.
Protective
10–40 year termsLarge face amounts
Protective may be stronger if you want a longer level-term option than Assurity’s current 30-year maximum.
Prudential
Complex underwritingConversion flexibility
Prudential can be worth comparing when medical history or future conversion flexibility is more important than a simple headline premium.
Make Assurity Compete for Your Business
Compare Assurity with other carriers before deciding where to apply.
People Also Ask About Assurity Life Insurance
These are the questions consumers usually need answered before deciding whether Assurity belongs on their shortlist.
Is Assurity a legitimate life insurance company?
Yes. Assurity is a mutual insurance organization based in Lincoln, Nebraska, with roots dating to 1890. It currently reports an A- (Excellent) financial-strength rating from A.M. Best.
Does Assurity offer no-exam life insurance?
Some applicants can qualify for accelerated underwriting without a traditional medical exam. Approval depends on age, coverage amount, health history, and the information Assurity receives during underwriting.
What term lengths does Assurity offer?
Assurity’s core term policy currently offers 10-, 15-, 20-, and 30-year level-premium periods. Coverage can be renewed after the initial term at annually increasing rates, subject to policy provisions.
Does Assurity offer living benefits?
Yes. Assurity term coverage includes an accelerated benefit for qualifying situations, and optional riders can add critical-illness, return-of-premium, or disability-income benefits, depending on product and state.
Does Assurity offer whole life insurance?
Yes. Assurity’s current participating whole-life lineup includes Whole Life Protect+ and Whole Life Perform+, which emphasize death-benefit value and cash-value accumulation differently.
Assurity Life Insurance FAQ
These final questions cover practical details that may affect your decision.
Is Assurity a mutual company?
Yes. Assurity describes itself as a mutual organization owned by and accountable to the people it insures.
Can Assurity term life be converted?
Yes. Assurity’s term consumer brochure includes an option to convert to eligible permanent life insurance without additional underwriting, subject to the policy’s conversion rules.
How do I contact Assurity?
Assurity lists 800-276-7619 for customer service on its term consumer brochure. Current contact information should always be confirmed on Assurity’s website.
Does Assurity sell insurance in New York?
Assurity Life Insurance Company generally offers products outside New York, while products in New York are offered through Assurity Life Insurance Company of New York. Product availability varies by policy and state.
Bottom Line: Is Assurity Worth Considering?
Yes. Assurity earns a strong 4.4/5 from me for 2027 because it combines solid financial strength, a mutual structure, accelerated underwriting, good rider flexibility, and both temporary and permanent life-insurance choices.
But I would still make Assurity compete. If Banner, Protective, Prudential, John Hancock, Foresters, or another company gives your health history and coverage goal a better result, that is the company I would rather see you choose. The consumer comes first—not the carrier.
Compare Assurity Before You Apply
Choose a quick estimate, complete the health assessment, call, or schedule a review.
Final eligibility, underwriting classification, pricing, product availability, riders, and policy terms depend on the carrier and state.
- Assurity Term Life Insurance with Accelerated Underwriting consumer brochure
- Assurity — About Us
- Assurity — Coverage Matters
- Assurity — 2025 Whole Life Product Update
- Assurity — 2026 Income Protection+ Launch
- Assurity — 2026 Quick Issue Critical Illness Launch
Carrier materials and current public Assurity information were reviewed in October 2026 for 2027 planning. Product availability, underwriting, ratings, premiums, riders, and policy terms can change. Carrier-approved quotes, illustrations, applications, and issued contracts control.
1 Comment
Aisha Braxton
Will I be enter I for full coverage