TJM Life Insurance Company: Customer Ratings & Reviews [2023]
Discover the products, discounts, and customer reviews of T.J.M. Life Insurance Company - a trusted provider in the competitive insurance industry.
UPDATED: Apr 20, 2023
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.
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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: Apr 20, 2023
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: Apr 20, 2023
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.
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UPDATED: Apr 20, 2023
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.
The Bottom Line
T.J.M. Life Insurance Company offers a wide range of insurance and investment products, including term life insurance, whole life insurance, and annuities. Founded in 1986, the company is dedicated to providing financial security to its customers and is highly rated by independent agencies for its strong financial stability. T.J.M. Life Insurance Company offers competitive rates for its products and services, with a low complaint level and positive customer reviews for its comprehensive coverage options and attentive customer service. Although information on discounts and qualifications for discounts is limited, the company’s transparent policies and claims process make it a reliable choice for those seeking financial protection.
When it comes to ensuring financial security for you and your loved ones, life insurance is a crucial component. T.J.M. Life Insurance Company offers a variety of insurance products and investment services to help customers protect their assets and plan for the future. With a focus on financial stability and customer service, T.J.M. Life Insurance Company has established itself as a reliable provider of life insurance and other financial products. In this article, we will explore the history and mission of T.J.M. Life Insurance Company, their main products and services, customer reviews, and more.
Is T.J.M. Life Insurance Company a Good Choice?
Company Contact Information:
- Website: https://tjminsurance.com/
- Phone: 1-800-928-4998
- Email: [email protected]
- Mailing Address: T.J.M. Life Insurance Company, P.O. Box 1218, Dunedin, FL 34697
Related Parent or Child Companies: T.J.M. Life Insurance Company is a subsidiary of Torchmark Corporation, a financial services holding company.
Financial Ratings: T.J.M. Life Insurance Company has received high financial strength ratings from independent rating agencies, including A+ (Superior) from A.M. Best and AA- (Very Strong) from Fitch Ratings.
Customer Service Ratings: T.J.M. Life Insurance Company has received positive reviews from customers for their excellent customer service.
Claims Information: To file a claim with T.J.M. Life Insurance Company, customers should contact the company’s claims department by phone or mail. The claims process typically involves providing proof of death and completing a claims form.
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T.J.M. Life Insurance Company Discounts Available
T.J.M. Life Insurance Company offers several types of discounts to customers, including:
- Multi-policy discount: Customers who have multiple policies with T.J.M. 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.
- Preferred health discount: Customers who meet certain health criteria, such as having a healthy BMI and no history of tobacco or drug use, may be eligible for a discount on their premiums.
- Group discount: Customers who are members of certain groups or organizations may be eligible for a discount on their premiums.
- Payment method discount: Customers who choose to pay their premiums annually or semi-annually may be eligible for a discount.
T.J.M. Life Insurance Company Coverage Options
T.J.M. Life Insurance Company offers a variety of insurance and investment products to its customers. Here are some of the coverage options mentioned in the article:
- Term Life Insurance: Provides coverage for a specific period of time and pays out a death benefit if the policyholder passes away during the term.
- Whole Life Insurance: Provides lifelong coverage and accumulates cash value over time. Can be used as a source of investment or to cover final expenses.
- Annuities: Provides a guaranteed income stream for a specified period of time or for life.
- Universal Life Insurance: Combines the flexibility of term life insurance with the investment component of whole life insurance.
- Indexed Universal Life Insurance: Offers potential for higher returns based on the performance of an underlying index.
- Variable Universal Life Insurance: Allows policyholders to invest in a variety of investment options and may provide a higher rate of return than traditional whole life insurance.
- Group Life Insurance: Provides coverage for groups of employees, typically offered by employers.
- Mortgage Protection Insurance: Pays off the remaining balance on a mortgage if the policyholder passes away.
- Final Expense Insurance: Covers the cost of funeral expenses and other end-of-life expenses.
Note: This is not an exhaustive list of all coverage options offered by T.J.M. Life Insurance Company. Customers are advised to contact the company directly for more information on coverage options and eligibility requirements.
T.J.M. Life Insurance Company vs. Competitors
Considering the overall landscape of the life insurance industry, below are some potential competitors and their unique features that set them apart:
- State Farm: A well-known insurance company that offers a range of insurance and investment products, including life insurance. State Farm may appeal to customers who value a long-standing reputation and personalized service, as they have local agents in many areas.
- Allstate: Another well-known insurance company that offers a range of insurance and investment products, including life insurance. Allstate may appeal to customers who want a one-stop-shop for all their insurance needs, as they offer a variety of insurance products in addition to life insurance.
- Northwestern Mutual: A mutual insurance company that has a reputation for financial strength and stability. Northwestern Mutual may appeal to customers who value a company with a long history of paying dividends and a commitment to financial security.
- New York Life: A mutual insurance company that offers a range of life insurance and investment products, including annuities and long-term care insurance. New York Life may appeal to customers who value a company with a long-standing reputation and a commitment to financial strength.
- Prudential: A well-known insurance company that offers a range of insurance and investment products, including life insurance. Prudential may appeal to customers who value a company with a long-standing reputation and a variety of insurance and investment options.
Note: This is not an exhaustive list of competitors, and the factors that distinguish one company from another may vary based on individual needs and preferences. Customers are advised to research and compare multiple companies before choosing a life insurance provider.
Frequently Asked Questions
How much life insurance coverage do I need?
The amount of life insurance coverage you need will depend on a number of factors, including your age, income, debt, and other individual circumstances. To determine the appropriate amount of coverage for your needs, consider working with a financial advisor or insurance professional.
How do I apply for coverage with T.J.M. Life Insurance Company?
You can apply for coverage with T.J.M. Life Insurance Company by visiting their website or contacting their customer service department. The application process typically involves answering a series of health and lifestyle questions and providing basic personal information.
Can I change my coverage amount or policy type after I purchase a policy?
Yes, many life insurance policies offer the flexibility to change coverage amounts or policy types over time. Contact T.J.M. Life Insurance Company to learn more about your options for making changes to your policy.
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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.