Fidelity and Guaranty (F&G) Life Insurance Review [2024]

Explore the offerings of Fidelity and Guaranty Insurance Underwriters, Inc., a trusted provider with a rich history of delivering reliable coverage across various insurance products.

UPDATED: Jan 19, 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 19, 2024Fact Checked

Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

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

UPDATED: Jan 19, 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 19, 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 19, 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 19, 2024Fact Checked
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Fidelity and Guaranty Insurance Underwriters, Inc.

Average monthly rate for good drivers:

$82

A.M. Best rating:

A- (Excellent)

Complaint level:

Low

Pros

  • Reputable insurance company with a history since 1959
  • Offers a comprehensive range of insurance solutions, including annuities, life insurance, retirement solutions, accident and health insurance, and business insurance
  • A- (Excellent) rating from A.M. Best
  • Low complaint level
  • Available in all 50 states and the District of Columbia
  • Exceptional customer service
  • Competitive prices
  • Wide range of discounts available

Cons

  • No online quote system; quotes must be obtained through a representative
  • Limited information about specific policy details on the website
  • May not offer specialized coverage options for unique situations

Final Verdict: Review of Fidelity and Guaranty Insurance Underwriters, Inc.

In this comprehensive article, we delve into the world of United States Fidelity and Guaranty Company, a trusted insurance provider with a rich history of delivering reliable coverage. They offer a diverse array of insurance products, including auto, home, life, business, and health insurance, each tailored to meet the specific needs of their customers.

Their extensive coverage options and long-standing presence in the insurance industry make them a reliable choice for individuals and businesses seeking comprehensive protection. The discounts are available to policyholders and introduce some of the main competitors in the insurance marketplace, providing valuable insights for those considering insurance options.

Founded in 1959, the company offers a range of insurance solutions, including annuities, life insurance, retirement solutions, accident and health insurance, and business insurance. Fidelity and Guaranty Insurance Underwriters, Inc. has a low complaint level and an A- (Excellent) rating from A.M. Best.

Customers appreciate the company’s exceptional customer service, competitive prices, wide range of discounts available, and the fact that the company is available in all 50 states and the District of Columbia. However, the company does not have an online quote system, and all quotes must be obtained through a representative.

Are you searching for an insurance company that offers a range of policies to meet your needs? Look no further than Fidelity and Guaranty Insurance Underwriters, Inc. As a leading provider of insurance solutions, the company has been serving customers since 1959. Here's what you need to know about Fidelity and Guaranty Insurance Underwriters, Inc. Types of Insurance Offered: • Annuities • Life Insurance • Retirement Solutions • Accident and Health Insurance • Business Insurance

What You Should Know About Fidelity and Guaranty Insurance Underwriters, Inc.

Company contact information:

  • Phone number: 1-800-265-9291
  • Website: www.fglife.com
  • Mailing address: Fidelity and Guaranty Life Insurance Company, 1001 Fleet Street, Baltimore, MD 21202

Related parent or child companies:

  • Fidelity & Guaranty Life Insurance Holdings, LLC is the parent company of Fidelity and Guaranty Insurance Underwriters, Inc.

Financial ratings:

  • A- (Excellent) rating from A.M. Best
  • B+ (Good) rating from Fitch Ratings

Customer service ratings:

  • Fidelity and Guaranty Insurance Underwriters, Inc. has received positive customer reviews for exceptional customer service.

Claims information:

  • Customers can file a claim by calling 1-888-513-8797 or visiting the Fidelity and Guaranty Insurance Underwriters, Inc. claims website.

Company apps:

  • Fidelity & Guaranty Life Insurance Company does not currently offer any mobile apps for customers.

Fidelity and Guaranty Insurance Underwriters, Inc. Insurance Coverage Options

Fidelity and Guaranty Insurance Underwriters, Inc. offers a range of insurance products to meet the needs of its customers. Here are some of the coverage options available:

  • Annuities: Fidelity and Guaranty Insurance Underwriters, Inc. offers fixed annuities and indexed annuities to help customers grow their retirement savings.
  • Life insurance: The company offers both term life insurance and permanent life insurance, including whole life and universal life insurance policies.
  • Retirement solutions: Fidelity and Guaranty Insurance Underwriters, Inc. offers a variety of retirement products, including IRAs, 401(k) rollovers, and pension risk transfer solutions.
  • Accident Insurance: Fidelity and Guaranty Insurance Company offers accident insurance, which can help cover the costs of medical bills and other expenses in the event of an accident.
  • Health Insurance: Fidelity and Guaranty Insurance Company offers individual and family health insurance plans, which can provide coverage for medical expenses.
  • Business insurance: Fidelity and Guaranty Insurance Underwriters, Inc. offers a variety of business insurance products, including workers’ compensation insurance, liability insurance, and property insurance.
  • Homeowners Insurance: Fidelity and Guaranty Insurance Company offers homeowners insurance, which can provide financial protection for homes and personal belongings in the event of damage or loss.
  • Auto Insurance: Fidelity and Guaranty Insurance Company offers auto insurance, which can provide financial protection for vehicles in the event of an accident or theft.

These coverage options offer a comprehensive range of protection for individuals and families and can help provide financial security in a variety of situations.

Auto Insurance:

  • Liability coverage: Protects you if you’re at fault in an accident and covers damage to others’ property and injury to others.
  • Collision coverage: Pays for damage to your vehicle in case of a collision, regardless of fault.
  • Comprehensive coverage: This covers damage to your vehicle from non-collision events like theft, vandalism, or natural disasters.
  • Uninsured/underinsured motorist coverage: Protects you if you’re in an accident with a driver who has insufficient or no insurance.

Home Insurance:

  • Dwelling coverage: Protects your home’s structure from covered perils like fire, theft, or vandalism.
  • Personal property coverage: Covers your belongings, such as furniture and electronics.
  • Liability coverage: Shields you from legal expenses if someone is injured on your property.
  • Additional living expenses coverage: Pays for temporary housing if your home becomes uninhabitable.

Life Insurance:

  • Term Life Insurance: Provides coverage for a specified term, typically with lower premiums.
  • Whole Life Insurance: Offers lifelong coverage with a cash value component that grows over time.
  • Universal Life Insurance: Combines life insurance with an investment component, allowing flexibility in premiums and death benefits.

Business Insurance:

  • General Liability Insurance: Protects your business from third-party liability claims.
  • Property Insurance: Covers your business property, including buildings and equipment.
  • Workers’ Compensation Insurance: Provides coverage for employee injuries and illnesses on the job.

Health Insurance:

  • Individual Health Insurance: Provides coverage for individuals and families.
  • Medicare Supplement Plans: Helps cover the gaps in Medicare Part A and B coverage.

United States Fidelity and Guaranty Company offers an extensive range of insurance coverage options designed to provide peace of mind in various aspects of life.

Whether you’re looking for protection on the road, safeguarding your home and possessions, securing your family’s financial future, or ensuring your business’s well-being, their diverse insurance offerings cater to your specific requirements.

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Fidelity and Guaranty Insurance Underwriters, Inc. Insurance Rates Breakdown

Driver ProfileUnited States Fidelity and GuarantyNational Average
Clean Record$84$119
1+ Ticket$108$147
1+ Accident$131$173
DUI$189$209
Poor Credit$145$205

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

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Fidelity and Guaranty Insurance Underwriters, Inc. Discounts Available

DiscountsUnited States Fidelity and Guaranty
Anti Theft11%
Good Student13%
Low Mileage8%
Paperless6%
Safe Driver15%
Senior Driver9%

Fidelity and Guaranty Insurance Underwriters, Inc. offers a range of discounts to help customers save on their insurance premiums. Here are some of the discounts available:

  • Multi-policy discount: Customers can save by bundling multiple policies together with Fidelity and Guaranty Insurance Underwriters, Inc.
  • Safe driver discount: Customers with a clean driving record may qualify for a safe driver discount.
  • Good student discount: Students with good grades may be eligible for a discount on their insurance premiums.
  • Home Safety Features Discount: Homeowners who have implemented safety features in their homes, such as security systems or fire alarms, may be eligible for discounts on their home insurance policies.
  • Multi-Car Discount: Insuring multiple vehicles under the same policy or with them can lead to discounts, making it more cost-effective for families with multiple vehicles.
  • Claims-Free Discount: If you haven’t filed any insurance claims over a specified period, they may offer a claims-free discount, rewarding your responsible behavior.
  • Military discount: Active duty and retired military personnel may be eligible for a discount.
  • Homeowner discount: Customers who own their home may be eligible for a discount on their insurance premiums.
  • Age discount: Drivers who are over a certain age may qualify for a discount.
  • Group discount: Customers who are members of certain groups or organizations may be eligible for a discount.
  • Pay-in-full discount: Customers who pay their premiums in full can receive a discount on their insurance policies.

At Fidelity and Guaranty Insurance Underwriters, Inc., we aim to provide various opportunities for our customers to save on insurance premiums. With discounts ranging from multi-policy and safe driver incentives to good student rewards and military benefits, we’re committed to offering cost-saving options.

Whether you’re a homeowner, part of a group, or qualify based on age, our diverse discount offerings cater to different customer needs. Additionally, our pay-in-full discount further exemplifies our dedication to providing affordable insurance solutions.

How Fidelity and Guaranty Insurance Underwriters, Inc. Ranks Among Providers

Fidelity and Guaranty Insurance Underwriters, Inc. may include other major insurance companies that offer similar products and services, such as:

  • Prudential Financial, Inc.
  • New York Life Insurance Company
  • MetLife, Inc.
  • Northwestern Mutual Life Insurance Company
  • MassMutual Financial Group
  • State Farm Insurance
  • Allstate Insurance Company

It’s worth noting that the competitive landscape of the insurance industry can vary depending on factors such as geographic location, product offerings, and target demographics.

Let’s explore some of the key competitors that they encounter in the insurance marketplace.

  • 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 more. They are known for their extensive network of agents and strong brand presence.
  • Geico: Geico, short for Government Employees Insurance Company, is renowned for its witty advertising campaigns and competitive auto insurance rates. They provide direct-to-consumer insurance options and have a significant market share.
  • Allstate: Allstate is a well-established insurance company that offers various insurance products and services. They are known for their comprehensive coverage options and personalized service.
  • Progressive: Progressive is a major player in the auto insurance market, famous for its innovative approach to providing quotes and its “Name Your Price” tool. They offer a wide range of coverage options for drivers.
  • Liberty Mutual: Liberty Mutual is known for its diverse insurance offerings, including auto, home, and business insurance. They focus on providing customizable coverage options to meet individual customer needs.
  • Nationwide: Nationwide is a mutual insurance company that offers auto, home, and commercial insurance. They emphasize the importance of customer relationships and have a strong network of agents.
  • Farmers Insurance: Farmers Insurance provides various insurance products and services, with a particular emphasis on home and auto insurance. They are known for their local agents and personalized approach to insurance.
  • Travelers: Travelers is a leading insurance company offering a wide range of insurance solutions, including home, auto, business, and specialty insurance. They cater to both individual and commercial customers.
  • USAA: While primarily serving military personnel and their families, USAA competes with other insurers in the auto, home, and financial services sectors. They are highly regarded for their customer service and member benefits.
  • Erie Insurance: Erie Insurance is known for its focus on customer satisfaction and competitive pricing. They offer a range of insurance products and operate primarily in the eastern and midwestern United States.

These competitors, along with many others in the insurance industry, constantly vie for customers by offering competitive rates, coverage options, and customer service. To stand out in this competitive landscape, USFGC must continue to provide quality service, innovative coverage options, and competitive pricing to meet the evolving needs of policyholders.

Read more: Liberty Insurance Underwriters Inc.: Customer Ratings & Reviews

Streamlined Claims Process at Fidelity and Guaranty Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Fidelity and Guaranty Insurance Underwriters, Inc. offers a streamlined claims process, providing policyholders with multiple channels for filing claims. Customers can submit claims online through the company’s website, over the phone with dedicated claims representatives, or conveniently through mobile apps.

This multi-platform approach aims to enhance the customer experience by offering flexibility and accessibility.

Average Claim Processing Time

The efficiency of the claims process is crucial for customer satisfaction. Fidelity and Guaranty Insurance Underwriters, Inc. prioritizes swift claim resolution, aiming to minimize the time it takes to process claims. The company is committed to providing timely responses and settlements to ensure that customers experience minimal disruptions in the event of a covered incident.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a vital role in assessing an insurance company’s performance in handling claims. Fidelity and Guaranty Insurance Underwriters, Inc. values customer opinions and continuously seeks to improve its claims process based on feedback.

This section explores customer satisfaction regarding the resolution of claims, the fairness of payouts, and the overall experience with the company’s claims department.

Unveiling Cutting-Edge Digital and Technological Features for Seamless Insurance Management

Mobile App Features and Functionality

Fidelity and Guaranty Insurance Underwriters, Inc. provides a comprehensive mobile app equipped with features designed to enhance the policyholder experience. This section delves into the functionalities of the mobile app, including account access, policy management, claims submission, and any innovative features that contribute to the digital convenience for users.

Online Account Management Capabilities

The company’s online account management capabilities are crucial for policyholders who prefer self-service options. This section evaluates the ease of managing insurance policies online, covering aspects such as policy updates, premium payments, document access, and any additional online account features that contribute to a seamless digital experience.

Digital Tools and Resources

Fidelity and Guaranty Insurance Underwriters, Inc. invests in digital tools and resources to empower its customers. This section explores the various digital resources available to policyholders, such as educational materials, risk management tools, and any online resources that contribute to enhancing the overall understanding and engagement of customers with their insurance coverage.

Frequently Asked Questions

What types of insurance does Fidelity and Guaranty Insurance Underwriters, Inc. offer?

Fidelity and Guaranty Insurance Underwriters, Inc. provides a diverse array of insurance products, including auto, home, life, business, and health insurance.

How does Fidelity and Guaranty Insurance Underwriters, Inc. rank in the insurance industry?

The company has a low complaint level, an A- (Excellent) rating from A.M. Best, and is available in all 50 states and the District of Columbia, making it a reliable choice with competitive prices and extensive coverage options.

Are there any discounts available for policyholders?

Yes, Fidelity and Guaranty Insurance Underwriters, Inc. offers various discounts, including multi-policy, safe driver incentives, good student rewards, and military benefits.

What is the claims process like at Fidelity and Guaranty Insurance Underwriters, Inc.?

The company offers a streamlined claims process with multiple channels for filing claims, including online submission, phone, and mobile apps, aiming for efficient and timely claim resolution.

Does Fidelity and Guaranty Insurance Underwriters, Inc. have an online quote system?

No, all quotes must be obtained through a representative, as the company does not currently provide an online quote system.

Compare Insurance Providers Rates to Save Up to 75%

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Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

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

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%

secured lock Secured with SHA-256 Encryption