Assurity Life Insurance Company Review & Complaints: Life & Health Insurance

Assurity Life Insurance Company rating is A+ with the Better Business Bureau, but our Assurity Life Insurance review reveals that there is not much information available online. Contact an Assurity Life Insurance agent to get life insurance quotes.

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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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Written by Eric Stauffer
Founder & Former Insurance Agent Eric Stauffer

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 Leslie Kasperowicz

UPDATED: Jan 26, 2022

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Assurity Life Insurance

Financial Strength

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.

If you are looking for a term life policy, permanent life insurance, or any other type of life insurance coverage, it pays to shop around. Review quotes on life insurance policies from companies in your area by entering your ZIP Code above.

What is Assurity Life Insurance?

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. What type of benefit products can you expect to find? They offer both individual and workplace benefits products.

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What insurance solutions does Assurity Life Insurance 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 for the product.

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


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 insurance policy, whole life policy, or universal life policy
  • Disability insurance
  • Hospital indemnity insurance products
  • Cancer expense
  • Critical illness insurance
  • Covered accident expense

Are Assurity Life Insurance 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 or average payment.

How are Assurity Life Insurance 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 a secure email service 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 and a payment can be made.

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Are Assurity Life Insurance financial strength 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 on Assurity Life Insurance?

There simply is not enough information on Assurity Life Insurance to allow us to form an opinion of the company and its product.

We have no concerns about their reputation but are unable to speak to the quality or value of Assurity Life Insurance 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.

To find affordable life insurance in your area, enter your ZIP Code in the box below.

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