[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.easyquotes4you.com\/assurity-life-insurance-company-review\/#BlogPosting","mainEntityOfPage":"https:\/\/www.easyquotes4you.com\/assurity-life-insurance-company-review\/","headline":"The Best 2021 Assurity Life Insurance Review + Rates","name":"The Best 2021 Assurity Life Insurance Review + Rates","description":"Assurity Life Insurance Company has been doing business since 1890. They are dedicated to protecting the financial security of their policyholders.\n\nAssurity proudly boasts an A-rating (Excellent) from A.M. Best Company, which is only given to companies that present an excellent ability to meet future insurance obligations. There is no wonder Assurity Life is on our list for best no medical exam life insurance companies.","datePublished":"2019-01-25","dateModified":"2021-02-01","author":{"@type":"Person","@id":"https:\/\/www.easyquotes4you.com\/author\/site-admin\/#Person","name":"Rob Pinner","url":"https:\/\/www.easyquotes4you.com\/author\/site-admin\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e4da538e10e071b419f4843e8193941a0ff5ad58e937daa177fa846a5124dc4d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e4da538e10e071b419f4843e8193941a0ff5ad58e937daa177fa846a5124dc4d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Rob Pinner","logo":{"@type":"ImageObject","@id":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2018\/09\/logo-shape-e1536791917640.png","url":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2018\/09\/logo-shape-e1536791917640.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2019\/04\/Assurity-life-logo-2.png","url":"https:\/\/www.easyquotes4you.com\/wp-content\/uploads\/2019\/04\/Assurity-life-logo-2.png","height":1000,"width":2000},"url":"https:\/\/www.easyquotes4you.com\/assurity-life-insurance-company-review\/","about":["Reviews"],"wordCount":1335,"keywords":["assurity","Assurity Life","assurity life insurance","assurity life insurance company","lifescape","no exam life insurance","no medical term life","no-medical exam life insurance","term life","term life insurance","universal life","whole life","whole life insurance"],"articleBody":"            Quick Navigation Links                                    Show                                                    1                Assurity Life Insurance Company Review                                2                Assurity Life Insurance Company Contact Info                                3                Products offered by Assurity Life Insurance                                4                Disability Insurance                                5                Critical Illness                                6                Acci-Flex (Accidental Death)                                7                Annuities                                8                Life Insurance                                9                Assurity Life Insurance Products Explained                                10                Assurity Term Life Insurance Highlights                                11                Assurity Term Life Insurance Riders                                12                Assurity Life Sample Term Rates                                13                Assurity Life Permanent Insurance                                14                LifeScape Whole Life Insurance                                15                LifeScape Joint First-to-Die Whole Life                                16                LifeScape Single Premium Whole Life                                17                LifeScape Universal Life Insurance                                18                LifeScape Acci-Flex Accidental Death Benefit                                19                Final Thoughts                                20                Frequently Asked Questions                                21                Is Assurity Life a good company?                                22                What are Assurity Life's no exam term life guidelines?                                23                What type of products does Assurity Life offer?        Assurity Life Insurance Company ReviewIn this article, we will review Assurity Life Insurance Company, it\u2019s insurance products and address the positives and negatives if any. My primary goal is to help you find the best life insurance policy that fits your needs. Here we go:Assurity Life Insurance Company Contact InfoHome Office: Lincoln, NebraskaCustomer Service: 800-869-0355A.M. Best Rating: A- (Excellent)Assurity Life Insurance Company has been doing business since 1890. They are dedicated to protecting the financial security of their policyholders.Assurity Life Insurance Company proudly boasts an A-rating (Excellent) from A.M. Best Company, which is only given to companies that present an excellent ability to meet future insurance obligations. There is no wonder Assurity Life is on our list for best no medical exam life insurance companies.In 2017 alone, Assurity Life paid out $69.3 million in death benefits to loved ones. They also paid $124.7 million in living benefits claims and $12.9 million in dividends.Assurity Life is a mutual company, which means that they answer to policyholders and not stockholders. They are also a B Corporation, meaning they meet higher standards for there social and environmental mission. They display focus on the needs and interests of its workers, their community, and its policyholders.Their motto is \u201cto help people through difficult times.\u201dAssurity offers a variety of insurance products.Products offered by Assurity Life Insurance\u00a0Disability InsuranceThese policies provide a monthly income if you are disabled due to illness or injury.Critical IllnessProvides a lump sum of money when diagnosed with a serious or critical illness.Acci-Flex (Accidental Death)Pays a benefit if death is by an accident.AnnuitiesSingle Premium ImmediateEncorePlus OneLife InsuranceTerm Life InsuranceWhole Life InsuranceUniversal Life InsuranceThis article will concentrate on Assurity\u2019s life insurance products since this is probably how you found us in the first place. If you have any questions or need information on Assurity\u2019s disability\u00a0income policy or critical illness policy please contact us.Assurity Life Insurance Products ExplainedAssurity Life offers term, whole, and universal life insurance policies. You should fully understand the differences between the 3 before making a decision.Term life insurance has a duration for a selected number of years, usually 10-30. Once you reach\u00a0 the end of the term period, most policies are renewed annually, but are usually too expensive to keep. Term life is great when you need coverage for a specific time frame to cover financial obligations such as income replacement, business loans, or a mortgage.Whole life and universal life insurance are both permanent products that build cash value and last the lifetime of the insured. Permanent life insurance is good way to protect long term obligations such as estate planning using a trust, key person business insurance, or burial insurance.Assurity Term Life Insurance HighlightsLevel term periods of 10, 15, 20, or 30 yearsIssue Ages:18-75: 10 year term18-70: 15 year term18-65: 20 year term18-55: 30 year term (Non-Tobacco)18-50: 30 year term (Tobacco)Face Amounts: $25K to $10 millionGuaranteed Renewable to Age 95Accelerated Benefits Rider at No-CostConvertible to Assurity\u2019s whole or universal life insuranceAssurity Term Life Insurance RidersDisability IncomeAccident Only DisabilityEndowment Benefit Rider (Return of Premium)Critical IllnessChild RiderSpousal Term RiderAssurity Life offers an accelerated underwriting program which allows consumers to bypass a paramedical exam if they qualify. This is their no exam life insurance policy. This is a less invasive approach and over 50% who apply are approved instantly.Age and Benefit RequirementsAge 18-50: No medical exam up to $500,000 unless requested from underwritingAge 51-65: No medical exam up to $350,000 unless requested from underwritingAssurity Life Sample Term Rates\u00a0Male Monthly Rates: Standard Non-TobaccoFemale Monthly Rates: Standard Non-TobaccoAssurity Life Permanent InsuranceAssurity Life has 4 permanent life insurance products that they offer.They are:LifeScape Whole Life InsuranceA level benefit, participating whole life insurance policy with guaranteed premiums to age 121. A participating whole life insurance policy earns a guaranteed cash value but also a dividend based on the companies yearly financials.Issue Ages: 0-85Accelerated Benefits Rider (Living Benefits) at no chargeExchange Privilege Rider at no chargeAdditional Riders (Extra Cost)Accident Only Disability IncomeAccidental Death BenefitChildren\u2019s Term RiderCritical Illness BenefitWaiver of PremiumSpousal Term InsuranceMonthly Disability IncomeProtected Insurability BenefitPayor Benefit RiderValue Enhancement RiderLifeScape Joint First-to-Die Whole LifeThe LifeScape Joint First-to-Die Whole Life is a participating joint whole life policy with guaranteed premiums and level benefit to age 121. The death benefit is paid out on the first insureds death and should both insureds die within 24 hours, the benefit will be paid for each insured.Issue Ages: 0-85Accelerated Benefits Rider at no extra chargeSurvivor Benefits: This means upon the death of a joint insured, the survivors coverage will last for 90 days if they are 75 years old or less. During this 90 days, the remaining spouse may purchase a new permanent policy with having to provide evidence of insurability.Additional Riders (Extra Cost)Children\u2019s TermJoint Waiver of PremiumJoint Level TermJoint Paid-Up AdditionsJoint Protected InsurabilityLifeScape Single Premium Whole LifeA single premium participating whole life policy with a level death benefit to age 121. The single premium payment, assuming no loans, guarantees the policy will stay in force to age 121.Issue Ages: 0-80Accelerated Benefits Rider at no extra chargeAdditional Riders (Extra Cost)Single Premium Insurance RiderLifeScape Universal Life InsuranceAssurity Life\u2019s universal life is a flexible premium, current assumption life policy with an adjustable death benefit to age 121. Sometimes referred to as adjustable life insurance.Issue Ages: 0-85No Lapse Guarantee Period of 5 years (as long as premiums are paid)Guaranteed Interest of 3%Accelerated Benefits Rider at no extra chargeAdditional Riders (Extra Cost)Accident Only Disability IncomeAccidental Death BenefitChildren\u2019s Term RiderCritical Illness BenefitWaiver of PremiumSpousal Term InsuranceMonthly Disability IncomeFace Amount Increase RiderLifeScape Acci-Flex Accidental Death BenefitThis is a level benefit, level premium accidental death benefit policy to maturity at age 75.Issue Ages: 18-60Renewable to age 75Additional Riders (Extra Cost)Accident Only Disability IncomeWaiver of PremiumReturn of PremiumFinal ThoughtsAssurity Life Insurance Company is great company to have your policy with. They have strong financial ratings and some of the most competitive term rates around. If you have any questions or comments please don\u2019t hesitate to give us a call.\u00a0Frequently Asked Questions\t\t\t\t\t\t\t\t\tIs Assurity Life a good company?\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAssurity Life Insurance Company has been doing business since 1890. They are dedicated to protecting the financial security of their policyholders.  They boast an A.M. Best Rating of A- (Excellent).\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tWhat are Assurity Life's no exam term life guidelines?\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAssurity Life offers an accelerated underwriting program which allows consumers to bypass a paramedical exam if they qualify. This is their no exam life insurance policy. This is a less invasive approach and over 50% who apply are approved instantly. Age and Benefit Requirements:-Age 18-50: No medical exam up to $500,000 unless requested from underwriting-Age 51-65: No medical exam up to $350,000 unless requested from underwriting \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tWhat type of products does Assurity Life offer?\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAssurity Life offers a variety of insurance products. They have term life, universal life, whole life, accidental death insurance, critical illness, and disability insurance.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t{\t\t\"@context\": \"https:\/\/schema.org\",\t\t\"@type\": \"FAQPage\",\t\t\"mainEntity\": [\t\t\t\t\t{\t\t\t\t\"@type\": \"Question\",\t\t\t\t\"name\": \"Is Assurity Life a good company?\",\t\t\t\t\"acceptedAnswer\": {\t\t\t\t\t\"@type\": \"Answer\",\t\t\t\t\t\"text\": \"Assurity Life Insurance Company has been doing business since 1890. They are dedicated to protecting the financial security of their policyholders.  They boast an A.M. 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