Capitol Life Insurance Company: Customer Ratings & Reviews [2026]

Capitol Life Insurance Company is a trusted name in the insurance industry, providing a range of insurance products and services to meet the needs of its customers. The company has been serving customers for over 50 years and offers life insurance, Medicare supplement insurance, annuities, long-term care insurance, and final expense insurance.

Capitol Life Insurance Company serves customers in 44 states across the country and offers various discounts to its customers. With a mission to provide the best possible coverage at a fair price, Capitol Life Insurance Company is an excellent choice for individuals and families looking for reliable insurance coverage.

What You Should Know About Capitol Insurance

Company Contact Information:

• Phone: 1-800-423-9765
• Email: [email protected]
• Address: Capitol Life Insurance Company, P.O. Box 5900, Farmington, MO 63640

Related Parent or Child Companies: There is no information about any related parent or child companies of Capitol Life Insurance Company.

Financial Ratings: Capitol Life Insurance Company has an A- rating from A.M. Best, which indicates a strong financial strength and a stable outlook for the company’s future.

Customer Service Ratings: Capitol Life Insurance Company has received positive reviews from its customers, with many praising the company’s excellent customer service. However, there is no specific rating or score mentioned.

Claims Information: There is no specific information about the claims process or claims handling for Capitol Life Insurance Company.

Company Apps: There is no information about any mobile apps or online tools offered by Capitol Life Insurance Company.

Read more: Capitol Indemnity Corporation: Customer Ratings & Reviews

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Capitol Insurance Coverage Options

Capitol Life Insurance Company offers a range of insurance products and services to meet the needs of its customers. Here are the types of coverage options offered by the company:

• Life insurance: Capitol Life Insurance Company offers several types of life insurance policies, including term life insurance, whole life insurance, and universal life insurance. These policies provide financial protection for families in the event of the insured’s death.
• Medicare supplement insurance: Capitol Life Insurance Company offers Medicare supplement insurance, also known as Medigap, to help fill in the gaps in coverage provided by Original Medicare. These policies can help seniors pay for healthcare expenses not covered by Medicare.
• Annuities: Capitol Life Insurance Company offers fixed annuities and indexed annuities, which provide a steady stream of income for retirees.
• Long-term care insurance: Capitol Life Insurance Company offers long-term care insurance, which covers the costs of nursing home care, assisted living facilities, and in-home care for individuals who need assistance with daily living activities.
• Final expense insurance: Capitol Life Insurance Company offers final expense insurance, also known as burial insurance, to help families cover the costs associated with a funeral and burial.

With these coverage options, Capitol Life Insurance Company provides its customers with the protection they need to help safeguard their financial future.

Capitol Insurance Rates Breakdown

Capitol Insurance Discounts Available

Capitol Life Insurance Company offers a variety of discounts to help its customers save money on their insurance premiums. Here are some of the discounts offered by the company:

• Multi-policy Discount: Customers who have more than one insurance policy with Capitol Life Insurance Company can receive a discount on their premiums.
• Safe Driver Discount: Customers who have a clean driving record for a certain period can receive a discount on their auto insurance premiums.
• Homeowner Discount: Customers who own a home can receive a discount on their home insurance premiums.
• Good Student Discount: Students who maintain good grades can receive a discount on their auto insurance premiums.
• Senior Discount: Seniors who meet certain criteria can receive a discount on their life insurance premiums.
• Military Discount: Active duty military members, veterans, and their families can receive a discount on their insurance premiums.

These discounts can help customers save a significant amount of money on their insurance premiums and make Capitol Life Insurance Company an attractive choice for those looking for affordable insurance coverage.

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How Capitol Insurance Ranks Among Providers

Capitol Life Insurance Company’s main competitors, the insurance industry is highly competitive, with many companies vying for customers’ attention. Some of the company’s main competitors may include other large insurance providers such as:

• State Farm: State Farm is a popular insurance company that offers a wide range of insurance products and services, including auto, home, life, and health insurance.
• Allstate: Allstate is another well-known insurance company that offers a variety of insurance products, including auto, home, life, and business insurance.
• Nationwide: Nationwide is a large insurance company that offers auto, home, life, and pet insurance, as well as other financial services such as banking and retirement planning.
• AIG: AIG is a global insurance company that offers a range of insurance products and services, including life insurance, travel insurance, and property and casualty insurance.

These companies, along with others in the insurance industry, compete with Capitol Life Insurance Company for customers by offering similar products and services, competitive pricing, and exceptional customer service.