Family Heritage Life Insurance Review & Complaints: Life & Health Insurance (2023)
Family Heritage Life has an A+ rating with the Better Business Bureau. The company writes life insurance policies for adults and children, and also offers supplemental health insurance. Our review finds the company to be very competitive, but you cannot find quotes online for Family Heritage Life Insurance.
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Eric Stauffer
Founder & Former Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. In addition to founding Expert Insurance Reviews, Eric is the CEO of C Street Media, a full-service marketing firm and the...
Founder & Former Insurance Agent
UPDATED: Sep 26, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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What is Family Heritage?
Family Heritage Life was founded in Ohio in 1989 and quickly began to expand across the country. After twenty years in business they hit the 200,000 policy mark, and in 2012 became part of Torchmark Corporation as a wholly-owned subsidiary.
FHL writes a variety of life insurance policies as well as specialty health insurance coverage designed to provide extra coverage for specific accidents and illnesses, including cancer care and heart attack or stroke.
FHL still has headquarters in Cleveland, Ohio, but also maintains executive offices in McKinley, Texas. They are licensed in 49 states and products are sold through local agents. Your one-stop online insurance guide. Get free quotes now!
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What insurance products are offered?
The website offers a brief description of each of the products Family offers, all of which appear to be very straightforward.
Life insurance is available for adults and children. The plan appears to be a whole life insurance policy with simplified issue, meaning there is no medical exam required. We were unable to locate information on benefit amounts, although with simplified issue plans they are usually on the lower end.
Accident insurance is available to help pay for medical and related costs in case of an accident. This includes ambulance, physical therapy, and hospital costs.
Cancer policies provide coverage for diagnosis, treatment, and other cancer-related costs that are not covered by regular health insurance. Heart attack and stroke policies provide similar extended coverage. These policies also help with other bills outside the medical costs.
Intensive Care policies cover things like air ambulance costs, the cost of ICU care and step-down unit, and other costs associated with sudden injury or illness.
Finally, FHL offers Hospital Indemnity insurance, which covers hospital costs that are out of pocket under standard health insurance.
Are FHL rates competitive?
Online quoting is not offered for FHL policies. We would expect that their rates, particularly for life insurance, would be somewhat competitive since they do not have as much name recognition as other companies and have a very specific policy focus.
Quotes can be obtained by contacting an FHL agent or the company directly.
How Family Heritage Life Insurance Manages Claims
Ease of Filing a Claim
Family Heritage Life Insurance does not offer online quotes, and their website does not provide specific information about the ease of filing a claim. For details on the claims filing process, policyholders should contact Family Heritage Life Insurance directly through their customer service channels.
Average Claim Processing Time
The processing time for claims can vary depending on the nature of the claim and other factors. Policyholders seeking information on claim processing times should reach out to Family Heritage Life Insurance for accurate details.
Customer Feedback on Claim Resolutions and Payouts
While there is limited information available on customer feedback regarding claim resolutions and payouts for Family Heritage Life Insurance, the company has an A+ rating with the Better Business Bureau (BBB), and there have been 17 total complaints against the company in the past three years.
Most complaints are related to policy cancellations and billing issues. It’s advisable for policyholders to research and read reviews from multiple sources to gain a comprehensive understanding of customer experiences.
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Digital and Technological Features of Family Heritage Life Insurance
Mobile App Features and Functionality
Family Heritage Life Insurance does not mention a dedicated mobile app for policyholders on their website. To inquire about any mobile app features and functionality, policyholders can contact Family Heritage Life Insurance directly.
Online Account Management Capabilities
Many insurance companies offer online portals where policyholders can access policy information, make payments, and manage their accounts. Policyholders should reach out to Family Heritage Life Insurance for details on their online account management options.
Digital Tools and Resources
Insurance companies often offer online resources such as educational materials, FAQs, and policy information. To learn about any digital tools and resources available through Family Heritage Life Insurance, policyholders can contact the company directly.
Are the company’s ratings and consumer reviews positive?
FHL has an A+ rating with the Better Business Bureau (BBB), and there have been 17 total complaints against the company in the past three years. Of those, two were closed in the past year. Most of the complaints are regard to policy cancellations that were not processed correctly. One can be disregarded as it appears to be posted for the wrong company and is about a washing machine repair bill.
There are both positive and negative comments about FHL on Complaints Board. Some of them are similar to the billing issues on the BBB Rating & Accreditation site. Others complain about pushy salespeople or misunderstandings regarding what was actually covered by the plan.
If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
Overall, there is nothing alarming in these complaints.
What’s the Bottom Line?
FHL is a niche company that sells health insurance products and basic simplified life insurance coverage. They appear to do some door-to-door marketing based on reviews, which may put some people off. While there is nothing discouraging about this company, there is also not enough information to clearly recommend them.
Family Heritage Life Insurance Company of America is a wholly-owned subsidiary of Globe Life Inc. Your one-stop online insurance guide. Get free quotes now!
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Frequently Asked Questions
What insurance products are offered by Family Heritage Life?
Family Heritage Life offers the following insurance products:
- Life Insurance (for adults and children)
- Accident Insurance
- Cancer Insurance
- Heart Attack and Stroke Insurance
- Intensive Care Insurance
- Hospital Indemnity Insurance
Can I cancel my Family Heritage Life Insurance policy?
Yes, you can generally cancel your Family Heritage Life Insurance policy. However, the process and any applicable fees or refunds may vary depending on the specific policy terms and conditions. It’s important to review your policy documentation or contact an FHL agent for guidance on the cancellation process.
Are there any discounts or additional benefits available with Family Heritage Life Insurance?
Family Heritage Life may offer discounts or additional benefits depending on the specific policy and coverage options. It’s recommended to inquire about any available discounts or benefits when obtaining a quote or discussing your insurance needs with an FHL agent.
Can I customize my coverage with Family Heritage Life?
Family Heritage Life offers a range of insurance products to choose from, and each product has its own specific coverage features. While customization options may vary, you can discuss your coverage needs with an FHL agent to find the best policy that suits your requirements.
Does Family Heritage Life offer coverage for pre-existing conditions?
Family Heritage Life’s policies generally do not require a medical exam for approval. However, it’s important to note that pre-existing conditions may be subject to certain limitations or exclusions. It’s best to review the policy details and consult with an FHL agent to understand how pre-existing conditions are covered.
How long does the application process take with Family Heritage Life Insurance?
The application process for Family Heritage Life Insurance can vary depending on the specific policy and coverage you are applying for. Generally, the process involves completing an application, providing necessary personal and health information, and may require underwriting review. The time it takes for application approval or underwriting can range from a few days to a few weeks. To get a more accurate estimate of the application timeline, it’s best to discuss it with an FHL agent when applying for coverage.
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Eric Stauffer
Founder & Former Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. In addition to founding Expert Insurance Reviews, Eric is the CEO of C Street Media, a full-service marketing firm and the...
Founder & Former Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.