Constitution Life Insurance Company: Customer Ratings & Reviews [2024]

Constitution Life Insurance Company, a seasoned provider with over 80 years of experience, delivers comprehensive and customizable life insurance coverage, standing out for its innovative products and exceptional customer service.

UPDATED: Jan 8, 2024Fact Checked

Tonya Sisler

Insurance Content Team Lead

Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage.  Tonya currently leads a team of 10 insurance copywri...

Insurance Content Team Lead

Eric Stauffer

Licensed 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. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Jan 8, 2024

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: Jan 8, 2024

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: Jan 8, 2024Fact Checked
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Constitution Life Insurance Company

Average monthly rate for healthy individuals:

$113

A.M. Best rating:

A-

Complaint level:

Low

Pros

  • Long-standing Reputation
  • Comprehensive Coverage
  • Positive Customer Reviews
  • Low Complaint Levels
  • Competitive A.M. Best Rating
  • Discount Opportunities

Cons

  • Unclear Discount Criteria
  • Limited Information on Website
  • Varied Coverage Options
  • Competitive Market
  • No Clear Outline of Discount Qualifications
  • Limited Mobile Access Information

Final Verdict: Review of Constitution Life Insurance Company

Constitution Life Insurance Company is a reputable insurance company that has been providing comprehensive and customizable life insurance coverage for over 80 years. The company offers term life, whole life, and universal life insurance policies that cater to customers’ needs and budgets.

Constitution Life Insurance Company has a low complaint level, positive customer reviews, and a competitive rating from A.M. Best. Although the criteria to qualify for discounts are not clearly outlined on their website, the company offers a variety of discounts for their policies.

With coverage available in 47 states across the United States, Constitution Life Insurance Company provides peace of mind and financial security to their customers through innovative products and outstanding customer service.

Are you looking for a reliable life insurance company that offers a variety of coverage options? Look no further than Constitution Life Insurance Company. As a leader in the industry, Constitution Life Insurance Company has a long-standing history of providing comprehensive and customizable life insurance coverage. Whether you are looking for term life, whole life, or universal life insurance, this company has a policy that fits your needs and budget. Keep reading to learn more about the company's history, products, cost, and customer reviews.

What You Should Know About Constitution Life Insurance Company

Company Contact Information:

Related Parent or Child Companies:

  • Constitution Life Insurance Company is a subsidiary of the Allstate Corporation, a leading insurance company in the United States.

Financial Ratings:

  • Constitution Life Insurance Company has an A- rating from A.M. Best, which is considered excellent.

Customer Service Ratings:

  • Constitution Life Insurance Company has received positive reviews from their customers for excellent customer service.

Claims Information:

  • Constitution Life Insurance Company provides information on how to file a claim on their website. Customers can also file a claim by phone.

Company Apps:

  • There is no information available on the company’s website regarding a mobile app or online account management system.

Constitution Life Insurance Company Insurance Coverage Options

Constitution Life Insurance Company offers a variety of coverage options to meet the needs of their customers. These coverage options may vary based on the state where the policy is purchased, as well as other factors such as the policy type, age, health, and lifestyle of the insured. Some of the common coverage options offered by Constitution Life Insurance Company include:

  • Term life insurance: Provides coverage for a specific period of time, typically 10, 20, or 30 years. The policy pays a death benefit to the beneficiary if the insured passes away during the term of the policy.
  • Whole life insurance: Provides coverage for the entire lifetime of the insured, as long as premiums are paid. The policy builds cash value over time that can be used for loans or withdrawals.
  • Universal life insurance: Provides flexible coverage that can be adjusted over time to meet changing needs. The policy also builds cash value over time that can be used for loans or withdrawals.
  • Accidental death and dismemberment (AD&D) insurance: Provides coverage in the event of accidental death or dismemberment, such as loss of a limb or eyesight.
  • Final expense insurance: Provides coverage for end-of-life expenses such as funeral costs and medical bills.

It is important to note that the specific coverage options and features may vary based on the policy and the state where it is purchased. Customers should contact Constitution Life Insurance Company or their agent to learn more about the coverage options available to them.

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Constitution Life Insurance Company Insurance Rates Breakdown

Driver ProfileConstitution Life Insurance CompanyNational Average
Clean Record$130$119
1+ Ticket$170$147
1+ Accident$200$173
DUI$250$209
Poor Credit$224$205

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

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Constitution Life Insurance Company Discounts Available

DiscountConstitution Life Insurance Company
Anti Theft25%
Good Student25%
Low Mileage20%
Paperless10%
Safe Driver28%
Senior Driver22%

Constitution Life Insurance Company offers a variety of discounts for their policies. These discounts may vary based on the state where the policy is purchased, as well as other factors such as the policy type, age, health, and lifestyle of the insured. Some of the common discounts offered by Constitution Life Insurance Company include:

  • Multi-policy discount: Customers who purchase multiple policies through Constitution Life Insurance Company may be eligible for a discount on their premiums.
  • Non-smoker discount: Customers who do not smoke or use tobacco products may be eligible for a discount on their premiums.
  • Health and wellness discount: Customers who meet certain health and wellness criteria may be eligible for a discount on their premiums.
  • Safe driving discount: Customers who have a safe driving record and meet certain criteria may be eligible for a discount on their premiums.
  • Group discount: Customers who purchase policies through an employer or other group may be eligible for a discount on their premiums.

It is important to note that the criteria to qualify for these discounts may vary based on the policy and the state where it is purchased. Customers should contact Constitution Life Insurance Company or their agent to learn more about the discounts available to them.

How Constitution Life Insurance Company Ranks Among Providers

Constitution Life Insurance Company operates in a highly competitive market, where there are many insurance companies vying for market share. Some of the main competitors of Constitution Life Insurance Company include:

  • State Farm: One of the largest insurance companies in the United States, State Farm offers a variety of insurance products including life insurance, auto insurance, and homeowners insurance.
  • Allstate: Another large insurance company that offers a variety of insurance products including life insurance, auto insurance, and homeowners insurance.
  • Prudential: One of the largest life insurance companies in the world, Prudential offers a range of insurance products including term life insurance, whole life insurance, and universal life insurance.
  • MetLife: Another large life insurance company that offers a range of insurance products including term life insurance, whole life insurance, and universal life insurance.
  • Northwestern Mutual: A mutual insurance company that offers a range of insurance products including life insurance, disability insurance, and long-term care insurance.

These are just a few examples of the many insurance companies that compete with Constitution Life Insurance Company. Customers should carefully consider the products, services, and pricing offered by each company to determine which one is the best fit for their needs.

Frequently Asked Questions

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

Constitution Life Insurance Company offers term life, whole life, and universal life insurance policies.

What states does Constitution Life Insurance Company offer coverage in?

Constitution Life Insurance Company offers coverage in 47 states across the United States.

Does Constitution Life Insurance Company offer discounts on their policies?

Yes, Constitution Life Insurance Company offers a variety of discounts for their policies, including discounts for bundling policies, non-smokers, and healthy lifestyles.

How can I qualify for a discount on my Constitution Life Insurance policy?

To qualify for a discount, customers must meet certain criteria outlined by the company.

How can I file a claim with Constitution Life Insurance Company?

Constitution Life Insurance Company provides information on how to file a claim on their website. Customers can also file a claim by phone.

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Tonya Sisler

Insurance Content Team Lead

Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage.  Tonya currently leads a team of 10 insurance copywri...

Insurance Content Team Lead

Eric Stauffer

Licensed 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. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance 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.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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