Unified Life Insurance Company: Customer Ratings & Reviews [2023]

Is Unified Life Insurance Company a Good Choice?

Company contact information:

• Phone: 1-800-237-4463
• Email: [email protected]
• Address: Unified Life Insurance Company, P.O. Box 25326, Overland Park, KS 66225-5326

Related parent or child companies: Unified Life Insurance Company is a subsidiary of Torchmark Corporation, a Fortune 1000 holding company specializing in life and supplemental health insurance.

Financial ratings: Unified Life Insurance Company has an A- (Excellent) rating from A.M. Best, a well-known credit rating agency that assesses the financial strength and creditworthiness of insurance companies.

Customer service ratings: Unified Life Insurance Company has a reputation for excellent customer service, with positive reviews from customers praising the company’s responsiveness, helpfulness, and professionalism.

Claims information: Unified Life Insurance Company has a strong reputation for timely claims processing, with many customers reporting that their claims were processed quickly and efficiently.

Company apps: There is no information about whether or not Unified Life Insurance Company has any mobile apps.

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Unified Life Insurance Company Discounts Available

Unified Life Insurance Company offers several discounts to its customers to help them save on their premiums. Here is a list of some of the discounts offered by the company:

• Non-smoker discount: Customers who do not smoke or use any tobacco products can qualify for a lower premium rate.
• Multi-policy discount: Customers who have more than one policy with Unified Life Insurance Company can qualify for a discount on their premiums.
• Healthy lifestyle discount: Customers who maintain a healthy lifestyle by regularly exercising, eating a balanced diet, and maintaining a healthy weight may be eligible for a discount.
• Group coverage discount: Customers who are part of a group coverage plan may be eligible for a discount on their premiums.
• Safe driver discount: Customers who have a good driving record and no history of accidents or traffic violations can qualify for a lower premium rate.

These discounts can help customers save a significant amount of money on their life insurance premiums, making it more affordable to protect their loved ones’ financial future. It’s important to note that not all discounts may be available in all states or for all policies, so customers should check with their agent or the company directly to determine which discounts they may be eligible for.

Unified Life Insurance Company Coverage Options

Unified Life Insurance Company offers a range of coverage options to its customers, including:

• Term life insurance: Provides coverage for a specific period of time, typically 10-30 years, and pays a death benefit if the policyholder passes away during the term. This type of policy is generally more affordable than other types of life insurance.
• Whole life insurance: Provides lifetime coverage and builds cash value over time. The premiums are generally higher than term life insurance, but the policyholder can borrow against the cash value of the policy or use it to pay premiums in the future.
• Universal life insurance: Provides lifetime coverage and is more flexible than whole life insurance. The policyholder can adjust the death benefit and premium payments over time, and the policy can also build cash value.

Customers can customize their coverage options to meet their specific needs and budget. For example, they can choose the amount of coverage they need, the length of the term (for term life insurance), and whether they want to include additional riders for things like accidental death or long-term care. Overall, Unified Life Insurance Company provides a range of coverage options to meet the varying needs of its customers.

Unified Life Insurance Company vs. Competitors

Unified Life Insurance Company operates in a highly competitive industry, and there are several companies that compete with them for customers. Some of the main competitors of Unified Life Insurance Company include:

• Prudential: A well-known and established insurance company that offers a wide range of life insurance products and services.
• MetLife: A global insurance company that offers life insurance, as well as other types of insurance and financial services.
• New York Life: One of the largest mutual life insurance companies in the United States, offering a range of life insurance and financial products.
• State Farm: A popular insurance company that offers life insurance, as well as auto, home, and other types of insurance.
• Nationwide: A well-known insurance company that offers life insurance, as well as auto, home, and other types of insurance.

Unified Life Insurance Company competes with these companies and others by offering competitive rates, excellent customer service, and a range of coverage options to meet the needs of its customers. By staying competitive in these areas, Unified Life Insurance Company can continue to attract and retain customers in a highly competitive market.

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