Patriot Life Insurance Company Review (2024)

Patriot Life Insurance Company offers a century-long legacy, providing diverse coverage options to safeguard your future, ensuring trusted protection and financial stability.

UPDATED: Jun 14, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Jun 14, 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: Jun 14, 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: Jun 14, 2024Fact Checked
4.1
insuranceproviders.com

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Patriot Life Insurance Company

Average Monthly Rate For Good Drivers

$167

A.M. Best Rating:

A+ (Superior)

Complaint Level:

Low

Pros

  • Excellent financial stability with an A+ rating from A.M. Best.
  • Diverse range of insurance coverage options.
  • Strong track record of customer satisfaction.

Cons

  • Premiums may be relatively higher for certain policies.
  • Limited coverage availability in specific regions.

In our comprehensive exploration of Patriot Life Insurance Company, we discover a trusted provider with a century-long history of financial stability and unwavering commitment to customer satisfaction.

Offering a diverse array of insurance coverage options, including term and whole life insurance, health plans, auto coverage, and home protection, Patriot ensures that individuals and families can safeguard their assets and loved ones effectively.

With an A+ rating from A.M. Best, this insurer exhibits remarkable financial strength, reassuring policyholders that their claims will be managed with efficiency and reliability.

Despite potential premium variations across policies and limited coverage availability in specific regions, Patriot’s strong foundation and excellent customer service make it a noteworthy choice for those seeking comprehensive insurance solutions.

Patriot Insurance Company Insurance Coverage Options

Patriot Life Insurance Company understands that individuals and families have diverse insurance needs. To cater to these needs, they offer a range of coverage options designed to provide financial protection and peace of mind.

In this section, we’ll explore the various coverage options offered by Patriot Life Insurance Company, providing you with a clear understanding of the protection they provide to policyholders. here are the coverage Options Offered by Patriot Life Insurance Company:

  • Term Life Insurance: Term life insurance provides coverage for a specific period, typically 10, 20, or 30 years. It offers a death benefit to beneficiaries if the policyholder passes away during the term. This option is often more affordable and suitable for those with temporary protection needs.
  • Whole Life Insurance: Whole life insurance offers lifelong coverage, meaning it remains in force as long as premiums are paid. It also includes a cash value component that grows over time, providing a savings element along with the death benefit.
  • Health Insurance Plans: Patriot Life Insurance Company offers a range of health insurance plans to help individuals and families manage medical expenses. These plans may include coverage for hospital stays, doctor visits, prescription drugs, and preventive care.
  • Auto Coverage: Patriot Life Insurance Company provides auto insurance coverage to protect policyholders against the financial consequences of accidents, theft, or damage to their vehicles. This coverage typically includes liability, collision, and comprehensive options.
  • Home Protection: Homeowners and renters can benefit from home protection coverage, which helps safeguard their homes and belongings. This may include coverage for property damage, theft, liability, and more.
  • Bundled Policies: Patriot Life Insurance Company may offer discounts for bundling multiple insurance policies. Policyholders can combine auto, home, and other insurance types to potentially reduce their overall insurance costs.

Patriot Life Insurance Company recognizes that individuals and families have unique insurance needs. Whether it’s temporary coverage through term life insurance, lifelong protection with whole life insurance, health insurance plans, auto coverage, or home protection, Patriot Life Insurance Company provides a range of coverage options to suit various situations.

This flexibility allows policyholders to tailor their insurance portfolios to meet their specific needs and priorities.

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption

Patriot Insurance Company Insurance Rates Breakdown

Driver ProfilePatriot LifeNational Average
Clean Record$165$119
1+ Ticket$155$147
1+ Accident$170$173
DUI$200$209
Poor Credit$284$205

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

Compare RatesStart Now →

Patriot Insurance Company Discounts Available

DiscountPatriot Life
Anti Theft13%
Good Student11%
Low Mileage9%
Paperless14%
Safe Driver19%
Senior Driver8%

Compare RatesStart Now →

Patriot Life Insurance Company aims to provide its policyholders with cost-effective insurance solutions. One way they achieve this is by offering various discounts to help customers save on their insurance premiums. Here are some of the discounts that may be available through Patriot Life Insurance Company:

  • Bundling Discount: Many insurance providers offer discounts to policyholders who bundle multiple insurance policies together, such as combining auto and home insurance. Patriot Life Insurance Company may provide significant savings to those who choose to bundle their coverage.
  • Safe Driver Discount: For auto insurance policies, Patriot Life Insurance Company may offer discounts to policyholders with a safe driving history. This reward encourages responsible driving behavior and can lead to lower premiums.
  • Multi-Policy Discount: In addition to bundling, policyholders who have multiple insurance policies with Patriot Life Insurance Company may be eligible for a multi-policy discount. This can extend beyond just auto and home insurance and may include other coverage types.
  • Good Student Discount: Families with young drivers who excel academically may benefit from a good student discount. This discount is often available to students who maintain high grades in school.
  • Claims-Free Discount: Patriot Life Insurance Company may offer discounts to policyholders who have not filed any claims during a specified period. This rewards customers for avoiding accidents and incidents.
  • Senior Discount: Seniors often qualify for special discounts on their insurance premiums. Patriot Life Insurance Company may have discounts tailored to the needs of older policyholders.
  • Military or Veteran Discount: Some insurance companies, including Patriot Life Insurance Company, offer discounts to active-duty military personnel, veterans, and their families as a gesture of appreciation for their service.
  • Safety Features Discount: For auto insurance policies, having safety features in your vehicle, such as anti-theft systems or advanced safety technology, may make you eligible for additional discounts.

The availability and specifics of these discounts can vary by location and individual circumstances. To get the most accurate and up-to-date information on available discounts, it’s recommended that potential policyholders contact Patriot Life Insurance Company directly and discuss their eligibility with a representative.

How Patriot Insurance Company Ranks Among Providers

Patriot Life Insurance Company operates in a highly competitive insurance industry, where numerous companies vie for customers seeking life insurance, health coverage, and related financial protection. To better understand Patriot Life Insurance Company’s position in the market, it’s essential to examine its main competitors.

These competitors often offer similar services and cater to the same target audience. Here, we’ll briefly discuss some of the key competitors that Patriot Life Insurance Company faces in the industry:

  • State Farm: State Farm is a well-established insurance giant known for its extensive range of insurance products, including life insurance. They have a vast network of agents and a strong reputation for customer service, making them a significant competitor for Patriot Life Insurance Company.
  • Allstate: Allstate is another prominent player in the insurance industry, offering a variety of coverage options, including life insurance. They are known for their comprehensive policies and competitive rates, making them a strong contender in the market.
  • Prudential: Prudential is a major player in the life insurance sector, with a long history of providing financial protection to individuals and families. Their diverse product portfolio and financial strength position them as a formidable competitor to Patriot Life Insurance Company.
  • MetLife: MetLife, a global insurance giant, offers a range of insurance and financial products, including life insurance. They have a strong presence in the market and are known for their innovative policies and investment options.
  • New York Life: New York Life is one of the oldest and most respected life insurance companies in the United States. They are known for their financial stability and comprehensive life insurance products, making them a significant competitor in the industry.

In the highly competitive insurance industry, Patriot Life Insurance Company faces stiff competition from well-established players like State Farm, Allstate, Prudential Financial, MetLife, and New York Life Insurance. These competitors offer a wide range of insurance products and have built strong reputations for customer service and financial stability.

To thrive in this competitive landscape, Patriot Life Insurance Company must continue to offer innovative products and exceptional customer experiences.

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption

Claims Process at Patriot Life Insurance Company

Ease of Filing a Claim

Patriot Life Insurance Company prioritizes a hassle-free claims process for its policyholders. They offer multiple convenient options for filing claims, including user-friendly online submissions, efficient phone support, and accessible mobile apps. These choices empower policyholders to initiate claims using the method that suits them best.

Average Claim Processing Time

Efficiency is a hallmark of Patriot Life Insurance Company’s claims processing. They are committed to swift claim resolutions, ensuring minimal disruption and stress for policyholders. With a focus on quick turnaround times, they demonstrate dedication to customer satisfaction and peace of mind.

Customer Feedback on Claim Resolutions and Payouts

Patriot Life Insurance Company values customer feedback, particularly when it comes to claim resolutions and payouts. Actively seeking input from policyholders, they aim for transparency and fairness throughout the claims process. Positive feedback from customers serves as evidence of their commitment to providing reliable and prompt claim settlements.

Digital and Technological Features by Patriot Life Insurance Company

Mobile App Features and Functionality

Patriot Life Insurance Company enhances the policyholder experience with a feature-rich mobile app. Compatible with both Android and iOS devices, the app enables policyholders to file claims, access policy information, and manage their insurance needs conveniently from smartphones or tablets. This mobile app streamlines insurance-related tasks, making them accessible anytime and anywhere.

Online Account Management Capabilities

Policyholders enjoy 24/7 access to their insurance accounts through Patriot Life Insurance Company’s user-friendly online platform. This platform empowers policyholders to manage various aspects of their insurance, from premium payments to policy reviews, all from the comfort of their homes. Patriot Life ensures that policyholders have easy, efficient access to their insurance information online.

Digital Tools and Resources

Patriot Life Insurance Company goes beyond basic coverage by offering a suite of digital tools and resources. These resources provide policyholders with valuable information and tools for informed decision-making. Whether it’s educational materials or interactive financial planning tools, Patriot Life strives to provide digital resources that support its customers’ insurance needs.

Your Opinion Matters!

Rate your insurance provider and provide share feedback with shoppers just like you.

Frequently Asked Questions

What types of insurance coverage does Patriot Life Insurance Company offer?

Patriot Life Insurance Company provides a diverse range of coverage options, including term life insurance, whole life insurance, health plans, auto coverage, and home protection. These options cater to various individual and family needs, ensuring financial protection and peace of mind.

How does Patriot Life Insurance Company compare to its competitors in the insurance market?

In a highly competitive industry, Patriot Life Insurance Company faces competition from established players like State Farm, Allstate, Prudential Financial, MetLife, and New York Life Insurance. While these competitors offer similar services, Patriot distinguishes itself through its commitment to innovation, customer experiences, and a century-long history of financial stability.

What digital tools and resources does Patriot Life Insurance Company provide to policyholders?

Patriot Life Insurance Company offers a feature-rich mobile app compatible with Android and iOS devices, enabling policyholders to file claims, access policy information, and manage insurance needs conveniently. Additionally, policyholders benefit from 24/7 online account access, providing capabilities for managing premiums, policy reviews, and a suite of digital tools supporting informed decision-making.

How does Patriot Life Insurance Company handle claims processing and customer feedback?

Patriot prioritizes a hassle-free claims process, offering multiple convenient options for filing claims, including user-friendly online submissions, efficient phone support, and mobile apps. The company focuses on swift claim resolutions, minimal disruption, and customer satisfaction. They actively seek and value customer feedback to ensure transparency and fairness in claim settlements, emphasizing reliability and promptness.

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

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.

Reviews
for Patriot Insurance Company

4.06 (18 reviews)
5
August 14, 2018

kippy134

Good Company

I really like this company, they have good coverage and I feel protected with them as my car insurance.
5
July 17, 2018

Scott2899

Patriot

They have been great, low pricing for full coverage and have helped me out the only time i needed it with towing expenses covered
5
May 25, 2018

Jawsoflife

Very good pricing and good service

No issues but so far I have not had a claim. It has been easy to deal with them on changes of covered people and banking info
3
May 25, 2018

10s12345

patriot auto

patriot is a good company. you get a discount the longer you are a customer. prices are reasonable and you get good coverage.
4
February 7, 2018

WishyWashy

Fantastic Business

Great service, and I get the help I need. Patriot really helps me and explains my terms without making me feel overwhelmed.
5
July 10, 2017

LarryD

Best prices around and ..... C

I went with Patriot Insurance because of their competitive pricing. After two years of being with them, my premiums on both auto and home decreased. This is the first time in my life that an insurance company didn't raise the cost over time and in this case, actually decreased the premium by $150 between home and auto
4
July 8, 2017

CatMum

A Good Deal!

I've tried several insurance companies over the years. The last time I called my independent insurance agent to see if there was a less expensive option out there, she did some homework and called me back with the Patriot Insurance option. I have just liability (older car), and only pay about $200 a year. I recently contacted Liberty Ins. for a quote, but their's was almost that much a MONTH, and didn't have quite as much coverage! They actually ...
I've tried several insurance companies over the years. The last time I called my independent insurance agent to see if there was a less expensive option out there, she did some homework and called me back with the Patriot Insurance option. I have just liability (older car), and only pay about $200 a year. I recently contacted Liberty Ins. for a quote, but their's was almost that much a MONTH, and didn't have quite as much coverage! They actually recommended that I stay with Patriot, because they doubted I'd find a better deal anywhere. That says a lot.
3
April 17, 2017

golddog0705

No Issues

I have had no issues with this company.   Would be better if policy was cheaper and you get a reward each year you have no claim.   But overall happy.
↑ Back to Top

Write a Review

Policy Type?

Please select a `Policy Type!`
(Min. 100 Characters)

Company Overall Rating

When you submit this review, you will be asked to sign in/up for to your https://www.insuranceproviders.com account. If your account is not currently verified, we will send a verification email to the email on file for your account. Please select the verification button in that email. If you do not see the email in your inbox, please check your spam or junk folder. Your review cannot be reviewed and accepted until you complete this verification step.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption