Cherokee National Life Insurance Company: Customer Ratings & Reviews [2024]

Navigating the complex landscape of life insurance options, Cherokee National Life Insurance Company stands out as a reliable choice with over 65 years of industry expertise, offering diverse policy options, competitive pricing, and a commitment to customer satisfaction.

UPDATED: Dec 2, 2023

Advertiser Disclosure

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 providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 2, 2023Fact Checked

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

Diego Anderson

Licensed Real Estate Agent

Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also r...

Licensed Real Estate Agent

UPDATED: Dec 2, 2023

Advertiser Disclosure

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 providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Dec 2, 2023

Advertiser Disclosure

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 providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 2, 2023

Advertiser Disclosure

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 providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 2, 2023Fact Checked
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Cherokee National Life Insurance Company

Average monthly rate for healthy individuals:

$100

A.M. Best rating:

A- (Excellent)

Complaint level:

Low

Pros

  • Competitive pricing for life insurance policies
  • Offers a range of policy options, including term, whole, and universal life insurance
  • Provides discounts to policyholders, such as multi-policy and safe driving discounts
  • Positive customer reviews, with many customers praising the company’s pricing and customer service
  • Low complaint level

Cons

  • Claims process can be slow, according to some customer reviews.
  • Limited availability

Final Verdict: Review of Cherokee National Life Insurance Company

Cherokee National Life Insurance Company is a reputable life insurance provider with over 65 years of experience in the industry. The company offers a range of policy options, including term, whole, and universal life insurance, as well as accidental death coverage and annuities.

Cherokee National has a low complaint level and provides discounts to policyholders, such as multi-policy and safe driving discounts. While some customer reviews note that the claims process can be slow, overall, the company has received positive feedback from its customers, who appreciate the competitive pricing and customer service.

If you’re in the market for life insurance, Cherokee National Life Insurance Company is a reliable option to consider.

If you're considering life insurance, Cherokee National Life Insurance Company offers a range of options to meet your needs. With policies ranging from term to whole and universal life insurance, the company is committed to providing affordable options for policyholders. In this article, we'll take a closer look at the history and mission of Cherokee National, the cost of their services, the states where their services are offered, discounts available to customers, and customer reviews of the company. Whether you're new to life insurance or shopping for a new provider, Cherokee National Life Insurance Company may be the right choice for you.

What You Should Know About Cherokee

Financial Ratings: Cherokee National Life Insurance Company has an A- (Excellent) rating from A.M. Best, a leading credit rating agency that specializes in insurance.

Customer Service Ratings: Overall, Cherokee National has received positive feedback from customers, with many reviewers praising the company’s pricing and customer service.

Claims Information: While some customer reviews note that the claims process can be slow, Cherokee National Life Insurance Company has a low complaint level, suggesting that it handles claims fairly and efficiently.

Cherokee Insurance Coverage Options

Cherokee National Life Insurance Company offers a range of coverage options to meet the needs of its customers. Here is a list of the different types of insurance policies available:

  • Term life insurance: This type of policy provides coverage for a set period of time, typically ranging from 10 to 30 years. Term life insurance is generally the most affordable option and is often used to provide financial protection for a specific period, such as the length of a mortgage or until children are grown and independent.
  • Whole life insurance: This type of policy provides lifelong coverage and builds cash value over time. Whole life insurance is generally more expensive than term life insurance but can be a good option for those who want lifelong protection and are looking for a way to build savings.
  • Universal life insurance: This type of policy is similar to whole life insurance but offers more flexibility in terms of premium payments and death benefit amounts. Universal life insurance policies allow policyholders to adjust their premiums and death benefits as their needs change over time.
  • Accidental death coverage: This type of policy provides coverage specifically for accidental death, such as death resulting from a car accident or a fall.
  • Annuities: Cherokee National offers annuities, which are financial products that provide a guaranteed stream of income in retirement.

It’s important to note that the availability and amount of coverage may vary depending on your state and policy details. Be sure to talk to your Cherokee National representative for more information about which coverage options may be best for you.

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Cherokee Insurance Rates Breakdown

Driver ProfileCherokee NationalNational Average
Clean Record$75$119
1+ Ticket$113$147
1+ Accident$146$173
DUI$250$209
Poor Credit$129$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Cherokee Discounts Available

DiscountsCherokee National
Anti Theft6%
Good Student15%
Low Mileage8%
Paperless5%
Safe Driver18%
Senior Driver7%

Cherokee National Life Insurance Company offers a variety of discounts to its policyholders. Here is a bullet list of the discounts available and how you can qualify for them:

  • Multi-policy discount: If you have more than one insurance policy with Cherokee National, such as both life insurance and auto insurance, you can qualify for a discount on your premiums.
  • Safe driving discount: If you have a clean driving record and have not had any accidents or traffic violations in a certain amount of time, you may be eligible for a safe driving discount on your auto insurance.
  • Healthy lifestyle discount: Cherokee National offers a healthy lifestyle discount to policyholders who can demonstrate that they engage in healthy behaviors, such as regular exercise and healthy eating habits.
  • Loyalty discount: If you have been a policyholder with Cherokee National for a certain amount of time, you may qualify for a loyalty discount on your premiums.

It’s important to note that the availability and amount of discounts may vary depending on your state and policy details. Be sure to talk to your Cherokee National representative for more information about which discounts you may be eligible for.

How Cherokee Ranks Among Providers

Cherokee National Life Insurance Company has several competitors in the insurance industry. Here are some of its main competitors:

  • State Farm: State Farm is one of the largest insurance providers in the United States, offering a wide range of insurance products, including auto, home, life, and health insurance.
  • Allstate: Allstate is another large insurance provider that offers a range of insurance products, including auto, home, life, and renters insurance. Allstate is known for its strong customer service and innovative products.
  • Nationwide: Nationwide is a well-known insurance provider that offers a range of insurance products, including auto, home, life, and pet insurance. Nationwide is known for its strong financial ratings and commitment to customer satisfaction.
  • MetLife: MetLife is a large insurance provider that offers a range of insurance products, including life, auto, home, and dental insurance. MetLife is known for its competitive rates and comprehensive coverage options.
  • Prudential: Prudential is a well-known insurance provider that offers a range of insurance products, including life, disability, and long-term care insurance. Prudential is known for its strong financial ratings and high-quality customer service.

While these are some of Cherokee National’s main competitors, it’s important to note that there are many other insurance providers in the market, each with their own strengths and weaknesses. It’s important to compare policies and rates from multiple providers to find the best coverage for your needs.

Cherokee National Life Insurance Company’s Claims Process

Ease of Filing a Claim

Cherokee National Life Insurance Company prioritizes a hassle-free claims process for its policyholders. Whether you prefer online, over-the-phone, or mobile app submission, the company offers multiple channels to ensure the convenience of filing a claim.

The utilization of SHA-256 encryption adds an extra layer of security to protect your sensitive information during the claims submission process.

Average Claim Processing Time

Understanding the urgency of claim settlements, Cherokee National Life Insurance Company is committed to efficient processing times. Policyholders can expect a timely evaluation and resolution of their claims. The company strives to provide a transparent and prompt claims experience to alleviate any additional stress during challenging times.

Customer Feedback on Claim Resolutions and Payouts

Customer satisfaction is paramount, and Cherokee National values feedback on its claim resolutions and payouts. The company aims to deliver fair and satisfactory outcomes for its policyholders.

Reviews indicate that while some customers note the claims process can be slow, the majority appreciate the competitive pricing, attentive customer service, and overall positive experiences with claim resolutions.

Digital and Technological Features of Cherokee National Life Insurance Company

Mobile App Features and Functionality

Cherokee National Life Insurance Company offers a user-friendly mobile app equipped with a range of features. Policyholders can conveniently manage their accounts, track policy details, and initiate claims through the app. The secure SHA-256 encryption ensures the safety of personal information, providing peace of mind to users accessing services on the go.

Online Account Management Capabilities

The online account management system of Cherokee National is designed for ease of use. Policyholders can access and update their account information, review policy details, and make payments online. The company emphasizes a seamless online experience, allowing customers to have full control over their insurance accounts at their fingertips.

Digital Tools and Resources

Cherokee National Life Insurance Company invests in digital tools and resources to empower its policyholders. From educational materials to interactive resources, the company provides valuable information online.

These digital tools are aimed at assisting customers in making informed decisions about their life insurance coverage, ensuring transparency and clarity in the insurance process.

Frequently Asked Questions

What types of life insurance policies does Cherokee National Life Insurance Company offer?

Cherokee National offers term life, whole life, and universal life insurance policies.

Does Cherokee National Life Insurance Company offer discounts?

Yes, Cherokee National offers discounts such as multi-policy and safe driving discounts.

Where is Cherokee National Life Insurance Company available?

Cherokee National offers its services in several states across the United States.

How long has Cherokee National Life Insurance Company been in business?

Cherokee National has been providing life insurance policies for over 65 years, since 1956.

What additional products and services does Cherokee National Life Insurance Company offer?

In addition to life insurance policies, Cherokee National offers accidental death coverage and annuities.

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Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

Diego Anderson

Licensed Real Estate Agent

Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also r...

Licensed Real Estate Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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