UPDATED: Nov 30, 2018
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A homegrown company with a wide range of insurance products and financial services, Country Financial is a one-stop shop in the 17 states they serve. With a combination of personal insurance, business products, and financial products too, Country has a truly comprehensive product lineup.
About Country Financial
In 1925 The Country Financial Group was founded to write fire and lightning insurance, adding crop and farm insurance to the lineup the following year. Auto insurance was added in 1927 followed by life insurance in 1929. The company began a series of acquisitions and expansions that led to their current service area across a total of 17 states.
Today, Country Financial products are available in Alabama, Alaska, Arizona, Colorado, Georgia, Illinois, Iowa, Kansas, Minnesota, Missouri, Nevada, Tennessee, North Dakota, Oklahoma, Oregon, Washington, and Wisconsin.
Country sells its insurance and financial service products through independent agents. The company’s headquarters is in Bloomington, IL.
Country Financial has a truly expansive list of products, from basic personal coverage to specialty policies.
Country’s auto insurance program provides the basics such as collision coverage, comprehensive coverage, uninsured motorist, and liability. They also offer plenty of add-ons to create a personalized policy. Among the options are:
- Rental Car and Trip Interruption Coverage
- Personal Effects coverage
- Renters Insurance as an add-on to auto rather than a separate policy
- New Car Replacement coverage called The Keeper
Discounts are numerous and vary based on the state in which the policyholder lives. Most are common, but there are some unusual ones, including a discount for engaged couples over 21.
In addition to auto insurance, Country writes policies for other types of vehicles including; motorcycles, boats, and RVs.
Country Financial has policies to cover multiple different types of home and homeowner.
Homeowner’s insurance for single-family dwellings comes in three levels:
- Basic coverage
- Premier coverage, which adds more covered perils and options
- Combination coverage, which provides the Premier level for the home and basic for personal property
Other types of home insurance cover the needs of each specific home:
- Condo insurance for the required structure coverage and personal property, as well as liability
- Mobile Home insurance
- Rental Property insurance to protect landlords
- Renter’s Insurance to protect the personal property of tenants
Term coverage comes in 10, 15, 20, and 30-year options. Death benefits start at $50,000, with coverage amounts of more than $1 million available. Term policies are renewable on an annual basis after the initial term ends without further medical exams, although premiums will increase each year. The policies can also be converted to permanent life at any time during the initial term.
Riders for term policies include a child term insurance rider of up to $25,000, waiver of premium, and return of premium, which returns the base premium and the cost of the rider at the end of the policy term.
Whole Life is available with several payment options to provide lifetime coverage. The standard whole life, Executive Whole Life, has consistent lifetime payments up until the age of 95. Other payment options are 10-pay, 20-pay, Paid up at 65, and Single Premium.
The company offers a wide range of riders to be added to their whole life policies. These include:
- Child term rider
- Spouse term rider
- Accelerated benefits for terminal illness
- Accidental death benefit
- Accelerated benefits for long-term care
- Disability waiver of premium
Universal Life is available in two formats. Universal Life Accumulator offers the choice of either an increasing or level death benefit. Universal Life Protector is designed to be an affordable choice with all the flexibility and cash accumulation value of a standard universal policy. Both allow for flexibility in the death benefit as well as the amount of the premiums.
Universal policies also have a range of riders available including; child term insurance, spouse coverage, automatic increase of death benefit, waiver of specified premium, and a guaranteed insurance option.
Health and Long-Term Care
Country Financial assists with locating and obtaining health insurance policies through outside insurers. They also offer supplemental and long-term care plans for:
- Disability Income
- Long-Term Care
- Medicare Supplement
Farm and Ranch
Country’s roots are in the country, as the name implies, and they still provide insurance policies to cover farmers and ranchers. Country writes farm insurance, country estate insurance, livestock insurance, and crop insurance policies as well.
Commercial insurance products from Country cover a number of different small businesses. They offer:
- Businessowner’s package policies covering property and liability
- Three levels of commercial package policies
- Business auto
- Business umbrella
- Worker’s Compensation
Country also has a large branch of financial products. Among them are retirement savings such as IRAs and annuities, college savings plans, managed investment accounts, and mutual funds.
Country Financial does offer online quotes but does not provide coverage in our usual sample rate comparison states.
As a smaller, agent-driven company, their rates are not likely to be highly competitive with national insurers, particularly direct-buy insurance companies. Like most companies of this sort, Country doesn’t present itself as a budget insurer, instead relying on service and features to sell products.
Discounts are one of the best ways companies like Country can stay competitive, but the available options differ from state to state, making it hard to compare how these discounts will affect rates.
Country claims can be submitted either online or on the phone for most policy types. The claims submission form can be found in the customer portal area “My Country“, where a variety of other services are available as well. There is also an option to submit a claim online without logging into a “My Country” account.
Country offers a basic claims FAQ for their policies but does not offer details account of how claims are handled. The process is outlined as being similar to most other insurance companies – an adjuster is assigned, investigates, and settles the claim in accordance with the policy limits.
The website also provides a series of checklists to assist customers with filing a claim.
The Better Business Bureau (BBB) rates Country an A+, although they are not accredited. There are a total of 56 complaints listed against the company in the past three years, 15 of which were closed in the past 12 months. Those numbers are not worrisome for a company of this size.
Consumer Affairs lists 30 reviews, 28 of which left star ratings. It should be noted that this particular page is for homeowners insurance. There is one 5-star rating, one 3-star rating, and the rest are 1-star ratings. Complaints include claims being denied and poor customer service. Several of the complaints refer to specific agents, which generally cannot be counted against the company as a whole. The number of complaints is relatively low overall, and a large number of negative ratings is not unusual on this particular site.
Country Financial has a wide range of products and may appeal to those who want the personal service of an agent with an insurance company of moderate size that has the ability to offer plenty of features and financial backing. They are also a good choice for those in search of a one-stop choice for personal insurance as well as financial products. The company’s reputation is fairly good, with the usual types of complaints that do not appear in large enough numbers to raise red flags. Overall, Country may well be worth considering for those who live in their coverage states and are more interested in service than in getting the least expensive rates.
For a list of companies that we recommend, visit our Best Insurance Companies page.