Family Heritage Life Insurance Review & Complaints: Life & Health Insurance (2023)

Family Heritage Life and Health Insurance Company (FHL) offers supplemental insurance products and life insurance coverage. They are approaching the end of their third decade in business.

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.

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.

What is the claims filing process like?

FHL offers a variety of claims information that differs for each product. Their claims page has a drop-down menu for each option. The site states that claims are only accepted by mail or fax for the purposes of assuring confidentiality. Online filing is not offered, but forms can be downloaded easily.

Claims on policies less than two years old are subject to additional information and review. There is a life insurance claims line that can be called with questions or for assistance, but claims cannot be filed that way.

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.