Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 5, 2020

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Assurity Life Insurance

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Headquartered in Lincoln, Nebraska, Assurity is a mutual life insurance company that was created from the merger of three much older companies. They are one of the rare insurance companies to be certified as a B Corp, meeting strict standards.

What is Assurity?

Assurity Life Insurance Company completed the merger of its three founding companies in 2007; it is comprised of Woodmen Accident and Life (founded in 1890), Security Financial Life (founded in 1895), and Lincoln Direct (founded in 1896)

Assurity operates as a mutual company and as a B Corp, which means they have been certified as meeting social and environmental performance standards. Their headquarters, the Assurity Center, is a LEED Gold certified building, which again means it adheres to strict standards in construction and function.

The company sells life insurance and supplemental health insurance policies in 49 states and the District of Columbia. They offer both individual and workplace benefits products.

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What Insurance Solutions Does Assurity Offer?

The company does not provide a lot of detail on their insurance coverage, more of a basic overview and generalities. They write all types of life insurance and several different supplemental policies.

Life Insurance

Life is offered in term life insurance, whole life insurance, and universal life insurance options. The site does not list any information on term lengths, death benefits, or issue age.

An Accidental Death policy is also available, which provides a death benefit only in the event of accidental death. This type of policy is usually more affordable because it excludes all non-accidental causes of death.

Supplemental Health

The provider has two main supplemental health plans. These are Disability Income and critical illness.

Disability income offers monthly income replacement, but the site does not give information on the benefit amounts or the length of coverage.

Critical Illness policies are lump-sum payments that pay out in the event of a diagnosis for one of the listed illnesses.

Annuities

Annuities are offered to provide retirement income. The website gives no detail on the plan options or types.

Workplace Benefits

The Workplace benefits options are:

  • Term, whole, or universal life
  • Disability Income
  • Hospital Indemnity
  • Cancer Expense
  • Critical Illness
  • Accident Expense

Are the Rates Affordable?

Not surprisingly, the website does not offer online quoting and there are no rates on the site. Based on the lack of information given regarding their products online, it is what we would expect as the company directs visitors to contact an agent for further information and details.

It is difficult to guess how this company would compare to its competitors in terms of rates.

How are Claims Filed?

Claims can be reported via a toll-free number or an email address. A fax number is also listed.

The website offers a list of claims forms for download that can be filled out and then returned to the company when completed via email or fax.

There is not much in the way of information in terms of claims, but there is a customer login area where more detail might be found.

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Are the Ratings and Consumer Reviews Positive?

Assurity has an A+ rating with the Better Business Bureau (BBB), and there are a total of four customer service complaints on file in the past three years. They have been accredited since 1992. No customer reviews can be found on the site.

There are 10 Google reviews with an overall four-star rating, which is impressive for an insurance company of any type. None of the reviews, however, offer much in the way of detail, and some appear to be praising the building itself and not the company’s service.

The limited reviews of this company raise no concerns, and overall the low volume of complaints is in the company’s favor.

What’s the Bottom Line?

There simply is not enough information here to allow us to form an opinion of the company. We have no concerns about their reputation but are unable to speak to the quality or value of their products. Those that want to work with a B Corp that has a commitment to social and environmental standards will want to give Assurity a closer look.

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