Assurity Life Insurance

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Assurity Life Insurance
Assurity Life Insurance Company has a legacy that dates back more than 120 years and currently holds an AM Best financial strength rating of "A- (excellent)", the 4th highest of 15 ratings.  AM Best is the industry benchmark for financial strength in the life insurance industry.

Before you make your final life insurance purchase decision though, we recommend looking into some other company reviews as well, such as our reviews on Zander Insurance, Primerica Life Insurance and United Home. Make sure you are well educated on what your needs are and which company will suit you best.

Assurity Life Insurance is known for their no medical exam life insurance policies.  They really make it easy for consumers to apply.  Currently their no medical exam life insurance offerings include:

  • Level Term Life Insurance from $50,000 up to $350,000.  Issue ages 18-65 (20-year and 30-year term maximums less than age 65).  Seven riders available.
  • Whole Life Insurance from $5,000 up to $50,000.  Issue ages from 6 months up to 80.
  • Graded Death Benefit Whole Life from $5,000 up to $35,000.  Issue ages 40-80.
  • Accidental Life Insurance from $50,000-$250,000.  Issue ages 18-60.

The no medical exam applications can be completed online ONLY with the assistance of an appointed Assurity Life Insurance agent.  For less tech savvy applicants, a paper application can be mailed as well.

                                      LIMITATIONS AND CONDITIONS
     Term Life Insurance (underwritten by Assurity Life Insurance Company, Lincoln, Neb.)
                                                    Policy Form # I L0760
                       Policy availability, rates and features may vary by state.

Suicide – If the insured dies by suicide within two years of the issue date, Assurity’s liability is limited to a refund of premiums paid.

Misstatement of Age or Gender – If the insured’s age or gender is misstated in the application, Assurity will revise the amount of the proceeds to the amount the premium would have purchased for the correct age or sex using the published rates in effect on the issue date.

Renewal – The policy is renewable to age 95.

Right to Cancel – The policy has a 30-day free look period.

Termination – The policy will terminate on the earliest of the following: the date of the insured’s death; the policy anniversary the insured has attained age 95; the due date of any premium not paid on or before the due date unless the grace period provision applies; the date the grace period expires for any premium to which the grace period provision applies; when you establish residence in a foreign country; the effective date the policy is converted to a new policy; or the date you request termination.

Renewal Premiums – Renewal premiums are the amounts Assurity charges to keep the policy in force.  Renewal premiums for the policy are level and guaranteed for the period of years set forth in the policy schedule, then are guaranteed but will increase annually until age 95.

Issuance of the policy may depend upon the answers to health questions in the application.

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About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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