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

Heartland National Life Insurance Company, with its steadfast A- rating from A.M. Best, stands out as a reliable choice for those seeking affordable life insurance coverage, supplemented by options such as Medicare Supplement Insurance and Critical Illness Insurance, offering customers financial security and peace of mind.

UPDATED: Dec 10, 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 10, 2023Fact Checked

Tim Bain

Licensed Insurance Agent

Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance.  His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada. 

Licensed Insurance Agent

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ...

Licensed Agent & Financial Advisor

UPDATED: Dec 10, 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 10, 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 10, 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 10, 2023Fact Checked
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Heartland National Life Insurance Company

Average monthly rate for healthy individuals:

$100

A.M. Best rating:

A-

Complaint level:

Low

Pros

  • Offers a range of affordable life insurance options
  • Provides supplemental insurance products such as Medicare Supplement Insurance, Critical Illness Insurance, and Disability Income Insurance
  • Offers several discounts to customers, including preferred rates, non-tobacco rates, and family discounts

Cons

  • Limited availability in only 49 states, excluding New York
  • Potential market challenge

Final Verdict: Review of Heartland National Life Insurance Company

Heartland National Life Insurance Company is a reputable life insurance provider with a solid A- rating from A.M. Best. The company offers affordable life insurance options as well as supplemental insurance products such as Medicare Supplement Insurance, Critical Illness Insurance, and Disability Income Insurance.

With low complaint levels and several discounts available to customers, Heartland National is a great option for those looking to secure their financial future. However, the company’s limited availability in only 49 states may be a downside for some customers. Overall, Heartland National is a reliable and authoritative company that provides excellent insurance options.

What You Should Know About Heartland National Life Insurance Company

Company Contact Information: Heartland National Life Insurance Company 3700 S Stonebridge Drive Mckinney, TX 75070, (800) 694-0384, www.heartlandnationallife.com

Related Parent or Child Companies: Heartland Financial Group

Financial Ratings: Heartland National Life Insurance Company has an A- rating from A.M. Best.

Customer Service Ratings: Heartland National Life Insurance Company has a good reputation for customer service with positive feedback from customers.

Claims Information: Customers can file claims with Heartland National Life Insurance Company by contacting their claims department at (800) 694-0384 or by visiting their website.

Company Apps: Heartland National Life Insurance Company offers a mobile app for iOS and Android devices, allowing customers to manage their policies, make payments, and view policy details on-the-go. The app has received positive reviews for its user-friendly interface and convenient features.

Heartland National Life Insurance Company Insurance Coverage Options

Heartland National Life Insurance Company offers a variety of coverage options to meet the needs of different individuals and families. These options include:

  • Term Life Insurance: Provides coverage for a specific term, typically ranging from 10 to 30 years. This type of insurance can be a good option for those with temporary needs or limited budgets.
  • Whole Life Insurance: Provides lifetime coverage and builds cash value over time. This type of insurance can be a good option for those with long-term needs or who want to leave a legacy for their loved ones.
  • Universal Life Insurance: Provides flexibility in premium payments and death benefit amounts, as well as the ability to build cash value over time. This type of insurance can be a good option for those with changing financial needs.
  • Final Expense Insurance: Provides coverage specifically for end-of-life expenses, such as funeral costs and medical bills. This type of insurance can be a good option for those who want to ensure that their loved ones are not burdened with these costs.
  • Supplemental Insurance: Heartland National Life Insurance Company also offers a range of supplemental insurance products, including cancer, accident, and critical illness insurance. These products can provide additional protection and financial support in the event of unexpected events or illnesses.

With these coverage options, Heartland National Life Insurance Company can help individuals and families protect their financial futures and provide peace of mind.

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Heartland National Life Insurance Company Insurance Rates Breakdown

Driver ProfileHeartland National Life Insurance CompanyNational Average
Clean Record$110$119
1+ Ticket$128$147
1+ Accident$154$173
DUI$177$209
Poor Credit$189$205

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

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Heartland National Life Insurance Company Discounts Available

DiscountHeartland National Life Insurance Company
Anti Theft10%
Good Student15%
Low Mileage15%
Paperless5%
Safe Driver25%
Senior Driver10%

Heartland National Life Insurance Company offers several discounts to customers, including:

  • Preferred rates for individuals in good health with no medical history of tobacco or drug use.
  • Non-tobacco rates for individuals who have not used tobacco products in the last 12 months.
  • Family discounts for policies covering two or more family members.
  • Discounted rates for policies with face values of $100,000 or more.
  • Annual premium discounts for policies paid annually instead of monthly.

These discounts can provide significant savings for customers and make Heartland National Life Insurance Company an even more attractive option for those looking to protect their loved ones’ financial futures.

How Heartland National Life Insurance Company Ranks Among Providers

Heartland National Life Insurance Company operates in a highly competitive industry and has several competitors. Some of the main competitors of Heartland National Life Insurance Company include:

  • State Farm: One of the largest insurance companies in the United States, State Farm offers a wide range of insurance products, including life insurance, as well as banking and financial services.
  • Allstate: Another large insurance company, Allstate offers a range of insurance products, including life insurance, as well as banking and financial services.
  • Mutual of Omaha: A mutual insurance company that offers a variety of insurance and financial products, including life insurance, retirement plans, and long-term care insurance.
  • Nationwide: A large insurance and financial services company, Nationwide offers a range of insurance products, including life insurance, as well as banking and investment services.

While these companies are strong competitors in the industry, Heartland National Life Insurance Company distinguishes itself through its affordable life insurance options, range of supplemental insurance products, and good customer service.

By focusing on these key areas, Heartland National Life Insurance Company can continue to compete effectively in the market and provide valuable insurance solutions to its customers.

Claims Process at Heartland Mutual Insurance Company

Ease of Filing a Claim

Heartland National Life Insurance Company offers a user-friendly claims process with multiple options for filing a claim. Policyholders can conveniently submit claims online through the company’s official website or by contacting the claims department at (800) 694-0384.

Additionally, the company provides a dedicated mobile app available for iOS and Android devices, allowing customers to file claims seamlessly using their smartphones.

Average Claim Processing Time

While specific claim processing times may vary, Heartland National Life Insurance Company is committed to efficient and timely claims processing. Policyholders can expect a prompt review of their claims, and the company strives to provide a quick resolution to ensure customers receive the financial support they need during challenging times.

Customer Feedback on Claim Resolutions and Payouts

Heartland National Life Insurance Company maintains a positive reputation for its claim resolutions and payouts. Customer feedback indicates satisfaction with the company’s commitment to honoring claims and providing timely payouts. The low complaint levels reflect the company’s dedication to customer service and fair claims processing.

Heartland Mutual Insurance Company’s Digital and Technological Features

Mobile App Features and Functionality

Heartland National Life Insurance Company offers a comprehensive mobile app for both iOS and Android platforms. The app provides policyholders with convenient features, including policy management, payment processing, and access to policy details. The user-friendly interface and intuitive design contribute to a seamless mobile experience for customers.

Online Account Management Capabilities

The company’s online account management capabilities empower policyholders to take control of their insurance policies. Through the official website, customers can access and manage their accounts, review policy details, update personal information, and make payments.

The online platform enhances the overall customer experience by providing easy access to essential policy-related functions.

Digital Tools and Resources

Heartland National Life Insurance Company equips its customers with digital tools and resources to enhance their insurance experience. These may include educational materials, FAQs, and resources to help policyholders make informed decisions about their coverage.

The company’s commitment to leveraging digital technology contributes to a more accessible and informative insurance journey for its customers.

Frequently Asked Questions

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

Heartland National Life Insurance Company provides term life insurance, whole life insurance, and final expense insurance. Term life insurance offers coverage for a specific period, whole life insurance provides lifelong coverage, and final expense insurance is tailored to cover funeral and burial expenses.

How can I contact Heartland National Life Insurance Company for assistance?

For specific inquiries or assistance, you can contact Heartland National Life Insurance Company through their official website at www.heartlandnationallife.com or by phone at (800) 694-0384. Their customer service representatives are available to address your questions and provide support.

Are there any customer ratings and reviews available for Heartland National Life Insurance Company?

While I don’t have real-time access to customer ratings, it’s advisable to visit reputable review websites or consumer advocacy organizations to gather insights from other policyholders. Understanding the experiences of existing customers can be valuable in making informed decisions.

What discounts are available with Heartland National Life Insurance Company?

Heartland National Life Insurance Company offers various discounts to customers, including multi-policy discounts and good health discounts. Exploring these discounts can potentially provide significant savings and enhance the attractiveness of Heartland National as an insurance option.

What sets Heartland National Life Insurance Company apart from its competitors?

Heartland National distinguishes itself through its affordable life insurance options, a range of supplemental insurance products, and positive customer service feedback. By focusing on key areas, the company effectively competes in the market, offering valuable insurance solutions to its customers.

Compare Insurance Providers Rates to Save Up to 75%

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Tim Bain

Licensed Insurance Agent

Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance.  His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada. 

Licensed Insurance Agent

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ...

Licensed Agent & Financial Advisor

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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