Is Assurity Life Insurance a Good Choice? 2025 Review and Ratings
Written by Daniel Ray, Life Insurance Expert |
✅
Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
Selecting a dependable life insurance provider is crucial for safeguarding your family’s financial future.
This review examines Assurity Life Insurance Company, focusing on its financial stability, customer service, policy offerings, and overall reputation to help you determine if it aligns with your insurance needs.
At any moment, feel free to get a quote by clicking on “Get Quote”.
Company Overview
Assurity Life Insurance Company, headquartered in Lincoln, Nebraska, was established in 2007 through the merger of three longstanding insurers: Woodmen Accident and Life, Security Financial Life, and Lincoln Direct Life.
With over a century of combined experience, Assurity offers a range of insurance products across the United States, excluding New York, where its subsidiary, Assurity Life Insurance Company of New York, operates.
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 2025!
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!
*Ballpark TERM Quote
Financial Strength and Ratings
Assurity demonstrates solid financial stability, as evidenced by its ratings from major agencies:
- A.M. Best: A- (Excellent) with a Positive Outlook, indicating an excellent ability to meet ongoing insurance obligations.
- Better Business Bureau (BBB): A+ rating, reflecting a high level of trust and customer satisfaction.
These ratings underscore Assurity’s commitment to financial strength and customer service.
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.
Policy Offerings
Assurity provides a diverse range of insurance products tailored to individual and business needs:
- Life Insurance: Offers term life, whole life, and universal life policies with customizable coverage amounts and terms.
- Disability Income Insurance: Provides income protection in the event of a disabling illness or injury.
- Critical Illness Insurance: Offers financial support upon diagnosis of specified serious health conditions.
- Accidental Death Insurance: Provides benefits in case of death resulting from an accident.
Notably, Assurity offers a fully online application process for term life policies, enabling quick approvals, sometimes in as little as 30 minutes.
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:
*Ballpark TERM Quote
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.
| Feature | Details |
|---|---|
| Plan Type | Term Life Insurance with Accelerated Underwriting |
| Term Lengths Available | 10, 15, 20, and 30 years |
| Coverage Amount |
– **Up to $1 million** (immediate decision without medical exam for qualified applicants) – **Additional underwriting required** for coverage above $1M for ages 18-50, or above $500K for ages 51-65 |
| Guaranteed Benefits |
– **Guaranteed level premium** for selected term – **Guaranteed tax-free death benefit** |
| Conversion Option | – Convert to a **permanent life insurance policy** without additional underwriting |
| Built-In Rider | – **Accelerated Benefits Rider**: Receive part of the death benefit if diagnosed with a **terminal illness** or need **permanent nursing home care** |
| Optional Riders |
– **Return of Premium Rider**: Refunds up to 100% of premiums paid – **Critical Illness Benefit Rider**: Pays a **lump-sum benefit** upon diagnosis of a covered **critical illness** – **Monthly Disability Income Rider**: Provides a **monthly benefit** if totally disabled due to sickness or accident |
| Example Monthly Cost | – **$32/month** for a **40-year-old female, Preferred Non-Tobacco, $300,000 coverage for 20 years** |
| Policy Renewability | – Renewable up to **age 95** |
| Exclusions & Limitations |
– **Right to Cancel**: 30-day free look period – **Suicide Clause**: Refund of premiums if suicide occurs within **2 years** – **Misstatement of Age/Gender**: Policy will be adjusted based on correct information |
| Availability | – Available in all states **except New York** |
| Customer Service |
– **Phone:** 800-276-7619 Ext. 4264 – **Website:** Assurity.com |
Key Features of Assurity Term Life Insurance
✔ Flexible Term Lengths: Choose from 10, 15, 20, or 30 years.
✔ No Medical Exam for Qualified Applicants: Get up to $1 million in coverage with Accelerated Underwriting.
✔ Guaranteed Death Benefit & Premiums: Fixed premiums for the entire term duration.
✔ Built-In Living Benefits: Access part of the death benefit early if diagnosed with a terminal illness.
✔ Optional Riders: Add Return of Premium, Critical Illness, and Disability Income benefits.
✔ Convert to Permanent Coverage: Switch to a whole life policy without additional underwriting.
✔ Highly Affordable: A 40-year-old female could get $300,000 in coverage for just $32/month.
✔ Renewable Until Age 95: Keep your policy active even after the term expires.
*Ballpark TERM Quote
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
Overview of Life Protect+ by Assurity
Life Protect+ is a comprehensive life insurance solution that combines three key coverages in one policy:
- Term Life Insurance – Provides a cash benefit to beneficiaries in the event of the insured’s death, helping with final expenses, debts, and family financial support. Convertible to permanent coverage.
- Critical Illness Benefit Rider – Offers financial protection upon diagnosis of serious conditions like cancer, heart attack, or stroke, allowing funds to be used for medical costs or household expenses.
- Monthly Disability Income Rider – Ensures income protection by replacing a portion of lost wages if the insured becomes disabled and unable to work, helping cover essential bills.
Key Benefits:
- One easy application
- One affordable premium
- Three essential coverages bundled together
Additional Features:
- Renewable up to age 95
- 30-day free-look period
- Competitive exclusions and limitations
- Not available in New York
For more details, visit assurity.com or contact 855-380-3300 Ext. 4
| Feature | Details |
|---|---|
| Plan Type | 3-in-1 **Term Life Insurance** with Critical Illness & Disability Income Protection |
| Term Lengths Available | 10, 15, 20, and 30 years |
| Coverage Amount |
– **$25,000 to $10 million** – **Accelerated underwriting for:** • **Up to $1 million** (Ages 18-50) • **Up to $350,000** (Ages 51-56) |
| Critical Illness Benefit |
– **Lump-sum payout** for first-ever diagnosis of: • **Heart attack** • **Invasive cancer** • **Stroke** – **Benefit Amount:** $10,000 – $100,000 (Not exceeding base policy) |
| Monthly Disability Income Rider |
– **Provides a monthly benefit if totally disabled** – **Issue Ages:** 18-60 – **Elimination Period:** 90 days – **Benefit Period:** Up to 2 years – **Monthly Benefit Amount:** $300 – $3,000 (max 60% of income, 40% in CA) |
| Underwriting Classes |
– **Non-Tobacco:** Preferred Plus, Preferred, Standard – **Tobacco:** Preferred, Standard |
| Convertibility | – Convertible to **permanent coverage** without medical underwriting |
| Application Process | – **Assurity e-App available** for seamless quote-to-application process |
| State Availability | – **Not available in:** NY, CT, FL, IL, KS, MD, MA, MN, NH, NJ, PA, VA, WA (varies by rider) |
| Company Details | – **Underwritten by:** Assurity Life Insurance Company, Lincoln, NE |
Key Features of Assurity Life Protect+
✔ 3-in-1 Protection: Term life insurance bundled with Critical Illness & Disability Income benefits.
✔ Lump-Sum Payout for Critical Illness: Heart attack, stroke, or invasive cancer trigger payouts up to $100,000.
✔ Monthly Disability Income Benefit: Receive up to $3,000/month for 2 years if totally disabled.
✔ Large Coverage Amounts: Policies available from $25,000 to $10 million.
✔ Accelerated Underwriting: Instant decision for up to $1 million for ages 18-50, and $350,000 for ages 51-56.
✔ Convertible to Permanent Coverage: No additional medical underwriting required.
✔ E-App for Fast Applications: Streamlined quote-to-application process.
Assurity Whole Life Insurance with Accelerated Underwriting
Assurity Whole Life Insurance provides lifelong financial security with cash value accumulation and flexible payment options. The policy is designed to offer permanent coverage with added benefits that ensure protection during life’s uncertainties.
Key Features:
- Builds Cash Value – Access funds through policy loans when needed.
- Flexible Payment Options – Choose to complete payments in 10 or 20 years, until age 65, or for life.
- Accelerated Underwriting – Fast approval process with instant decisions for qualified applicants.
- Lifetime Coverage – Renewable up to age 121.
Living Benefits & Riders:
- Accelerated Death Benefit Rider – Access a portion of the death benefit if diagnosed with a chronic or terminal illness.
- Critical Illness Rider – Provides a lump sum if diagnosed with cancer, stroke, or other covered conditions.
- Level Term Rider – Adds term coverage for 10, 20, or 30 years.
- Accidental Death Benefit Rider – Pays an additional benefit if death results from an accident.
How Benefits Can Be Used:
✔ Pay off mortgage, debt, or funeral costs
✔ Cover medical expenses
✔ Fund children’s education
✔ Support business continuation
Eligibility & Coverage:
- Issue ages: 15 days – 85 years (varies by payment plan).
- Not available in New York.
For more details, visit assurity.com or contact 855-380-3300 Ext. 4.
Here is Assurity Whole Life Sample Policy: CLICK HERE
| Feature | Details |
|---|---|
| Plan Type | Whole Life Insurance with Guaranteed Premiums & Death Benefit |
| Issue Ages & Premium-Paying Periods |
– **10-Pay, 20-Pay, Pay for Life:** 15 days – 85 years – **Pay to Age 65:** 15 days – 54 years |
| Underwriting Classes |
– **Ages 18-85:** Preferred Plus Non-Tobacco, Preferred Non-Tobacco, Standard Non-Tobacco, Preferred Tobacco, Standard Tobacco – **Ages 15 days – 17 years:** Juvenile |
| Premium Bands |
– **Band I:** $10,000 – $99,999 – **Band II:** $100,000 – $249,999 – **Band III:** $250,000+ |
| Guaranteed Features |
– **Level Death Benefit** – **Guaranteed Premiums Through Age 121** |
| Non-Medical Limits |
– **Ages 15 days – 17 years:** Up to $300,000 – **Ages 18-45:** Up to $200,000 – **Ages 46-60:** Up to $150,000 – **Ages 61-85:** Up to $100,000 |
| Dividend Options | – Paid-up Additions, Accumulate at Interest, Reduce Premiums/Cash, Reduce Premiums/Paid-up Additions, Reduce Premiums/Accumulate at Interest, Paid in Cash, Loan Reduction |
| Policy Loans |
– Available when the policy has a **cash surrender value** – **Premier policy loans** available with qualifications |
| Premium Payment Options | – Annual, semi-annual, quarterly, list bill, monthly automatic bank withdrawal, credit card (first premium via E-app) |
| Built-In Riders | – **Accelerated Death Benefit Rider** (Chronic & Terminal Illness) |
| Optional Riders |
– **Accidental Death Benefit Rider** – **Children’s Term Rider** – **Critical Illness Rider** – **Disability Waiver of Premium Rider** – **Guaranteed Insurability Rider** |
| Policy Fees |
– **Ages 18-85:** $65 annually – **Ages 15 days – 17 years:** $25 annually |
Key Features of Assurity Whole Life Insurance
✔ Guaranteed Premiums & Death Benefit: Coverage remains level with guaranteed premiums until age 121.
✔ Flexible Payment Periods: Choose from 10-Pay, 20-Pay, Pay for Life, or Pay to Age 65.
✔ No Medical Exam for Qualifying Applicants: Coverage up to $300,000 for juveniles, $200,000 for adults under 45.
✔ Dividend Options: Policyholders can select cash payments, paid-up additions, or premium reductions.
✔ Loan Availability: Access policy cash value through loans with premier loan options available.
✔ Multiple Riders Available: Includes Critical Illness, Accidental Death, Disability Waiver, and Children’s Term Riders.
✔ Built-in Accelerated Death Benefit Rider: Allows access to benefits in case of chronic or terminal illness.
*Ballpark TERM Quote
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.
| Feature | Details |
|---|---|
| Plan Type | Flexible Premium Universal Life Insurance |
| Issue Ages | 15 days through 85 years (age last birthday) |
| Renewability | Renewable to age 121. Beyond that, the death benefit equals the surrender value. |
| Underwriting Classes |
– **Ages 18-85:** Preferred Plus Non-Tobacco, Preferred Non-Tobacco, Standard Non-Tobacco, Preferred Tobacco, Standard Tobacco – **Ages 15 days – 17 years:** Juvenile |
| Premium Banding |
– **Band I:** $25,000 – $99,999 – **Band II:** $100,000+ |
| Non-Medical Limits |
– **Ages 15 days – 17 years:** Up to $300,000 – **Ages 18-45:** Up to $200,000 – **Ages 46-60:** Up to $150,000 – **Ages 61-85:** Up to $100,000 – Medical exam may still be required in some cases. |
| Death Benefit Options |
– **Level**: Fixed death benefit amount – **Increasing**: Death benefit increases as cash value grows |
| Guaranteed Surrender Value Benefit | – Allows policy surrender with a percentage refund of premiums after **15 or 20 policy years**. |
| Premiums |
– Flexible premium amounts & payment frequency – **No Lapse Guarantee Period**: 5-20 years based on issue age |
| Overloan Protection Benefit | – Converts policy to **guaranteed paid-up life insurance** to prevent lapse due to excessive loans. |
| Policy Loans |
– Available once the policy accumulates cash surrender value – Preferred policy loans available with qualifications |
| Interest Credits |
– **Guaranteed:** 2% annual interest rate – **Potential Bonus:** 0.50% additional interest starting year 21 (non-guaranteed) |
| Premium Payment Modes | – Annual, semi-annual, quarterly, monthly bank withdrawal, list bill, credit card (recurring only) |
| Built-In Rider | – **Accelerated Death Benefit Rider** (Chronic & Terminal Illness) |
| Optional Riders |
– **Accidental Death Benefit Rider** – **Children’s Term Rider** – **Critical Illness Rider** – **Disability Waiver Rider** – **Guaranteed Insurability Rider** – **Level Term Rider (10, 20, 30 years)** |
Key Features of Assurity Universal Life Insurance
✔ Flexible Premium Universal Life (UL) Coverage: Long-term protection with cash value accumulation.
✔ Two Death Benefit Options: Level or Increasing based on policyholder preference.
✔ No Lapse Guarantee Period: 5-20 years based on issue age.
✔ Loan & Surrender Benefits: Preferred loans & surrender options available.
✔ Competitive Interest Credits: 2% guaranteed rate with an additional 0.50% bonus potential.
✔ Built-In Accelerated Death Benefit Rider: Coverage for chronic & terminal illness.
Accidental Death Insurance Plus
Accidental Death Insurance Plus provides financial protection in the event of accidental death, helping beneficiaries cover essential expenses like mortgages, childcare, and college tuition.
Key Benefits:
- Affordable Protection – Low monthly premiums starting under $16 for a 45-year-old male with a $150,000 policy.
- Fast & Easy Approval – No medical exams required, with most policies issued within two business days.
- Flexible Term Options – Choose coverage for 15, 20, or 30 years or until age 80.
- Guaranteed Renewability – As long as premiums are paid.
Additional Features:
- Common Carrier Benefit – Pays 2x the benefit amount if the insured dies as a fare-paying passenger on public transportation.
- Seatbelt Benefit – Pays an additional 10% if the insured dies in a car accident while wearing a seatbelt.
- Accident-Only Disability Income Rider – Optional coverage that provides monthly income if a covered accident results in total disability.
Eligibility:
- Issue ages: 18-70 (varies by coverage period).
- Benefit amounts: $5,000 – $350,000.
For more information, visit assurity.com or contact 855-380-3300 Ext. 4
| Feature | Details |
|---|---|
| Plan Type | Accidental Death Insurance with Optional Riders |
| Issue Ages |
– **Guaranteed renewable to age 80** (Ages 18-70) – **5, 7, 10-year term** (Ages 18-70) – **15-year term** (Ages 18-65) – **20-year term** (Ages 18-60) – **30-year term** (Ages 18-50) |
| Coverage Periods |
– **Guaranteed renewable to age 80** – **Term lengths of 5, 7, 10, 15, 20, or 30 years** |
| Benefit Amounts | – **$5,000 – $350,000** |
| Underwriting | – **Simplified Issue** (No medical exam required) |
| Premium Payment Modes | – **Annual, Semi-Annual, Quarterly, Monthly** |
| Included Benefits |
– **Common Carrier Benefit** (Additional payout if death occurs in public transportation) – **Automobile Seatbelt Benefit** (Additional payout for seatbelt use in accident) |
| Optional Riders |
– **Accident-Only Disability Income Rider** – **Child Accidental Death Rider Plus** – **Critical Accident Rider** – **Disability Waiver of Premium Rider** – **Return of Premium Rider** – **Spouse Accidental Death Rider Plus** |
| Policy Fee | – **$25 annually (commissionable)** |
| Accident-Only Disability Income Rider |
– **Issue Ages:** 18-60 – **Benefit Period:** 2 years – **Elimination Period:** 90 days – **Monthly Benefit:** • **Minimum:** $300/month • **Maximum:** Lesser of $3,000/month or 1.5% of base policy benefit • Limited to 60% of applicant’s gross earned income |
| Renewability |
– **Guaranteed renewable through age 80** – **Ends at earlier of base policy’s initial level premium period or insured’s age 65** |
| Conversion Option | – **Not convertible to permanent coverage** |
| State Availability | – **Not available in New York** |
Key Features of Assurity Accidental Death Insurance Plus
✔ Guaranteed Renewable Through Age 80: Offers extended protection against accidental death.
✔ Flexible Term Options: Choose from 5, 7, 10, 15, 20, or 30-year terms.
✔ Simplified Issue: No medical exam required for coverage up to $350,000.
✔ Built-In Benefits: Includes Common Carrier & Seatbelt Benefits for enhanced protection.
✔ Optional Riders for Extra Coverage: Add Accident-Only Disability, Critical Accident, Child & Spouse Death Benefits.
✔ Accident-Only Disability Income Rider: Provides up to $3,000/month for 2 years if disabled due to an accident.
✔ Budget-Friendly Premium Options: Pay annually, semi-annually, quarterly, or monthly.
Assurity Life Disability Insurance
Assurity Disability Income Insurance provides financial protection if you’re unable to work due to illness or injury. Whether you need paycheck protection for personal expenses or payroll protection for business overhead costs, Assurity offers plans to help safeguard your income and lifestyle.
Key Coverage Options:
✔ Paycheck Protection – Century+ Individual Disability Income Insurance replaces lost income to cover essential expenses like mortgage, rent, groceries, and bills.
✔ Payroll Protection – Business Overhead Expense Disability Insurance covers business expenses, including rent, salaries, and utilities, ensuring continuity.
Additional Benefits:
✔ Premium Discounts – 15% discount for business owners on individual disability insurance and 5% on business overhead coverage.
✔ Customizable Coverage – Choose benefit amounts, elimination periods (as short as 30 days), and payment durations starting at one year.
How It Works:
1️⃣ Determine Coverage Needs – Review home and business expenses.
2️⃣ Choose Waiting Period – Select when benefits begin (30+ days).
3️⃣ Select Benefit Duration – Coverage can last one year or longer.
Not available in New York. For more details, visit assurity.com or contact 855-380-3300 Ext 4.
Key Features of Assurity Disability Income Insurance
✔ Multiple Coverage Options: Short-term, long-term, business expense, and graded benefit plans.
✔ Flexible Elimination & Benefit Periods: Choose from 30 days to 365 days waiting period and benefit durations up to age 67.
✔ No Income Verification & No Medical Exams: For coverage up to $6,000 (Age 18-55) and $4,500 (Age 56-60).
✔ Guaranteed Renewable Policies: Coverage remains active until age 65 or 67 with conditional renewability until 75.
✔ Partial & Presumptive Disability Benefits: 50% partial benefits and full benefits for permanent disabilities.
✔ Optional Riders for Added Protection: Includes Return of Premium, Critical Illness, Guaranteed Insurability, and Catastrophic Disability Riders.
✔ Special Business Owner Benefits: Includes tax-deductible business overhead expense plans and multi-policy discounts.
*Ballpark TERM Quote
Assurity Critical Illness Insurance
Assurity Critical Illness Insurance provides financial protection by paying a lump-sum benefit after a diagnosis of a covered illness. This coverage ensures you can focus on recovery without worrying about financial strain.
Key Benefits:
✔ Flexible Benefit Amounts – Coverage ranges from $5,000 to $500,000.
✔ Fast Approval – Instant decision for amounts up to $75,000, no medical exams required.
✔ Guaranteed Renewable – Coverage lasts a lifetime as long as premiums are paid.
✔ Multiple Payouts – Additional payments available if diagnosed with another illness after six months.
✔ Customizable Options – Riders available for return of premium or automatic benefit increases.
Covered Conditions:
- Heart Attack, Stroke, Angioplasty, Coronary Artery Bypass Surgery
- Invasive & Non-Invasive Cancer
- Kidney Failure, Major Organ Transplant
- Advanced Alzheimer’s Disease, Paralysis, Coma
How It Works:
1️⃣ Receive Diagnosis – You are diagnosed with a covered condition.
2️⃣ Submit Claim – Provide documentation to Assurity.
3️⃣ Receive Payout – Get a cash benefit to use however you need.
Not available in New York. For more details, visit assurity.com or contact 855-380-3300 Ext. 4.
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.
Mortgage Protection Term Life Insurance
Assurity Mortgage Protection Term Life Insurance ensures that your family can continue living in their home if you pass away. This coverage provides a tax-free death benefit to help pay off the mortgage or cover monthly payments, offering financial security during difficult times.
Key Benefits:
✔ Affordable Coverage – Protection for as little as $1 a day for a $200,000, 30-year policy (example for a 35-year-old female).
✔ Fast & Easy Approval – Instant decisions for qualified applicants, no medical exams required.
✔ Guaranteed Premiums – Once approved, your payments stay the same for the policy term.
✔ Flexible Term Options – Choose 10, 15, 20, or 30 years to match your mortgage duration.
How It Works:
1️⃣ Determine Your Mortgage Balance – Match your coverage to your loan amount and remaining term.
2️⃣ Select the Benefit & Term – Choose the coverage amount and duration that best fits your mortgage.
3️⃣ Customize Your Policy – Add riders like Return of Premium or Spousal & Child Coverage.
4️⃣ Receive Tax-Free Benefit – If you pass away during the term, your family receives funds to cover mortgage payments or pay off the loan.
Not available in New York. For more details, visit assurity.com or contact 855-380-3300 Ext. 4.
*Ballpark TERM Quote
Customer Service and Claims Processing
Assurity is recognized for its reliable claims process and attentive customer service. The company emphasizes timely and fair handling of policyholder claims, contributing to positive customer experiences.
Contact Information:
- Customer Service Phone Number: (800) 869-0355
- Online Account Access: Policyholders can manage their accounts and make payments through the Assurity website.
- 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
- You can also email Assurity at Client Services: Cl************@******ty.com.
If you have any questions for us regarding Assurity Insurance Agency, don’t hesitate to ask us!
FAQs
Assurity holds an A- (Excellent) rating from A.M. Best, indicating strong financial stability and an excellent ability to meet its insurance obligations.
You can reach Assurity’s customer service at (800) 869-0355. Additionally, policyholders can access their accounts and manage policies through the company’s website.
Assurity was formed in 2007 through the merger of three insurance companies, each with roots dating back to the late 19th century, providing over a century of combined experience in the industry.
While specific processing times can vary based on the nature of the claim and completeness of documentation, Assurity is known for its efficient and fair claims handling process. For detailed information, it’s advisable to contact their customer service directly.
Yes, Assurity operates as a mutual organization, meaning it is owned by its policyholders rather than shareholders.
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
Assurity Life Insurance Company combines a rich history with strong financial stability and a commitment to customer service.
Its diverse policy offerings and positive ratings make it a viable option for individuals and businesses seeking reliable insurance solutions.
*Ballpark TERM Quote
1 Comment
Aisha Braxton
Will I be enter I for full coverage