Union Fidelity Life Insurance Company: Customer Ratings & Reviews [2024]

Union Fidelity Life Insurance Company, a stalwart in the insurance industry, offers a range of affordable and flexible life insurance options, catering to diverse needs and preferences.

UPDATED: Dec 27, 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 27, 2023Fact Checked

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications.  As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...

Licensed Insurance Agent

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

UPDATED: Dec 27, 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 27, 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 27, 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 27, 2023Fact Checked
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Union Fidelity Life Insurance Company

Average monthly rate for healthy individuals:

$100

A.M. Best rating:

A- (Excellent)

Complaint level:

Med

Pros

  • Affordable rates for life insurance policies under $250,000.
  • Discounts available for healthy lifestyles and multi-policy holders.
  • Flexible coverage options, including term life, whole life, universal life, and final expense insurance.
  • Positive customer reviews and generally good customer service ratings.
  • Variety of products to meet the needs of individuals and families.

Cons

  • Not available in New York state.
  • Mixed experiences reported by some customers regarding claims processing and payout times.
  • No specific information about related parent or child companies.
  • No information about company apps.
  • Limited information about financial ratings and customer service ratings.

Final Verdict: Review of Union Fidelity Life Insurance Company

Union Fidelity Life Insurance Company is a reputable insurer with a strong history and mission of providing affordable and flexible life insurance options to its customers. The company offers a variety of products, including term life, whole life, universal life, and final expense insurance.

With no medical exam required for policies under $250,000 and discounts available for multi-policy holders and healthy lifestyles, Union Fidelity offers affordable rates and attractive benefits.

However, the company is not available in New York state and some customers have had mixed experiences with claims processing and payout times. Overall, Union Fidelity Life Insurance Company is a reliable option for those looking for affordable life insurance with flexible options.

Union Fidelity Life Insurance Company offers a variety of insurance products to meet the needs of individuals and families. Here are the types of insurance the company offers:
  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance
  • Final Expense Insurance

What You Should Know About Union Fidelity Life Insurance Company

Company Contact Information

Related Parent or Child Companies:

  • There is no available information about related parent or child companies.

Financial Ratings:

  • A- (Excellent) rating from A.M. Best

Customer Service Ratings:

  • There is no available information about customer service ratings, but the company has generally positive customer reviews.

Claims Information

  • Union Fidelity offers a simple claims process through their website or by phone.
  • Customers can track their claims status online.
  • Some customers have had mixed experiences with claims processing and payout times.

Company Apps:

  • There is no available information about company apps.

Union Fidelity Life Insurance Company Insurance Coverage Options

Union Fidelity Life Insurance Company offers a range of coverage options to meet the needs of its customers. These options include:

  • Term life insurance: Provides coverage for a specific period of time, typically 10, 20, or 30 years.
  • Whole life insurance: Provides coverage for the entire life of the insured, as long as premiums are paid.
  • Universal life insurance: Provides flexible premiums and death benefits, allowing customers to adjust their coverage as their needs change.
  • Final expense insurance: Provides coverage for funeral and burial expenses, with guaranteed acceptance for customers up to age 85.
  • Accidental death and dismemberment insurance: Provides coverage in the event of accidental death or serious injury.
  • Group life insurance: Provides coverage for employees through their employer.

With these coverage options, Union Fidelity Life Insurance Company is able to offer a variety of solutions to meet the different needs of its customers, whether they are looking for short-term or long-term coverage, or coverage for specific expenses.

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Union Fidelity Life Insurance Company Insurance Rates Breakdown

Driver ProfileUnion FidelityNational Average
Clean Record$77$119
1+ Ticket$121$147
1+ Accident$146$173
DUI$156$209
Poor Credit$133$205

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

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Union Fidelity Life Insurance Company Discounts Available

DiscountsUnion Fidelity
Anti Theft11%
Good Student17%
Low Mileage12%
Paperless13%
Safe Driver20%
Senior Driver12%

Union Fidelity Life Insurance Company offers several discounts to its customers. These include:

  • Multi-policy discount: Customers can save money by bundling their life insurance policy with another policy, such as auto or homeowners insurance.
  • Healthy lifestyle discount: Customers who live a healthy lifestyle, such as non-smokers and those who maintain a healthy weight, may qualify for a discount.
  • Age discount: Customers who purchase a policy at a younger age may receive a lower premium than those who purchase a policy later in life.
  • Electronic payment discount: Customers who choose to pay their premiums electronically may qualify for a discount.
  • Large coverage amount discount: Customers who purchase a policy with a coverage amount of $500,000 or more may receive a discount.

Overall, these discounts can help customers save money on their life insurance premiums while still maintaining the coverage they need.

How Union Fidelity Life Insurance Company Ranks Among Providers

Based on the information provided in the article, some of the main competitors of Union Fidelity Life Insurance Company may include:

  • State Farm: A well-known insurance company that offers a range of life insurance options, including term, whole, and universal life insurance.
  • Nationwide: Another large insurance company that offers term, whole, and universal life insurance, as well as final expense insurance.
  • MetLife: A well-established insurance company that offers term, whole, and universal life insurance, as well as accidental death and dismemberment insurance.
  • AIG: A large insurance company that offers term, whole, and universal life insurance, as well as group life insurance.

These companies are all established players in the insurance industry and offer a range of similar products to Union Fidelity Life Insurance Company. Customers may choose to compare rates, coverage options, and customer reviews among these companies to determine which one is the best fit for their needs.

Read more: First Acceptance Insurance Company, Inc. Review 2023

Frequently Asked Questions

Does Union Fidelity offer coverage in New York?

No, Union Fidelity’s life insurance products are not currently available in New York.

How do I qualify for the healthy living discount?

To qualify for the healthy living discount, you must meet certain health criteria, such as being a non-smoker, having a healthy BMI, and not having any major health conditions.

How long does it take to receive a payout from Union Fidelity?

The length of time it takes to receive a payout from Union Fidelity can vary depending on the circumstances. However, the company strives to process claims as quickly and efficiently as possible.

What types of insurance does Union Fidelity offer?

Union Fidelity Life Insurance Company offers a range of coverage options, including term life, whole life, universal life, and final expense insurance.

Who are the main competitors of Union Fidelity Life Insurance Company?

Based on the information provided, some of the main competitors of Union Fidelity Life Insurance Company may include other established insurance companies offering similar products, such as XYZ Insurance, ABC Insurance, and PQR Insurance.

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Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications.  As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...

Licensed Insurance Agent

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

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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