United Benefit Life Insurance Company: Customer Ratings & Reviews [2024]

United Benefit Life Insurance Company provides a diverse array of insurance options, including term life, whole life, and universal life, with competitive rates and a commitment to exceptional customer service.

UPDATED: Oct 24, 2024Fact Checked

Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

Licensed Insurance Agent

Michael Vereecke

Commercial Lines Coverage Specialist

Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...

Commercial Lines Coverage Specialist

UPDATED: Oct 24, 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: Oct 24, 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: Oct 24, 2024Fact Checked
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United Benefit Life Insurance Company

Average Monthly Rate For Good Drivers

N/A

A.M. Best Rating:

A (Excellent)

Complaint Level:

Low

Pros

  • United Benefit Life Insurance Company has a strong reputation for quality products and excellent customer service.
  • They offer a range of coverage options to meet the needs of customers.
  • The company provides discounts for non-smokers and customers who pay their premiums annually.
  • United Benefit Life Insurance Company has a strong financial rating, indicating their ability to meet ongoing insurance obligations.
  • They offer a mobile app for convenient policy management.

Cons

  • Information about policy options and pricing may be limited online, requiring customers to contact the company directly for more information.
  • Official customer service ratings are not readily available.
United Benefit Life Insurance Company is a leading provider of life insurance in the United States. With over 80 years of experience, the company has a long-standing reputation for providing comprehensive coverage at competitive rates. United Benefit Life Insurance Company understands the importance of having reliable life insurance coverage and has made it their mission to provide quality products and services to customers across the country. In this article, we will explore the company's history, the products and services they offer, the cost of those services, states where their services are offered, the different types of discounts available to customers, and a summary of customer reviews.

United Benefit Life Insurance Company and its products and services. The company offers a variety of insurance options, including term life insurance, whole life insurance, and universal life insurance, with competitive rates for policies.

They provide comprehensive coverage options and flexible options to meet the needs of customers, and offer discounts for non-smokers and customers who pay their premiums annually. The company has a strong reputation for quality products and excellent customer service.

While information about policy options and pricing may be limited online, customers can contact the company directly for more information. Overall, United Benefit Life Insurance Company is a reliable choice for individuals seeking life insurance coverage.

What You Should Know About United Benefit Life Insurance Company

Company Contact Information: United Benefit Life Insurance Company Address: 1300 South Clinton Street, Fort Wayne, IN 46802 Phone: (800) 755-6801 Website: www.ublins.com

Related Parent or Child Companies: United Benefit Life Insurance Company is a subsidiary of Ameritas Mutual Holding Company.

Financial Ratings: According to A.M. Best, United Benefit Life Insurance Company has a rating of A (Excellent), indicating that they have a strong ability to meet their ongoing insurance obligations.

Customer Service Ratings: United Benefit Life Insurance Company has a strong reputation for quality products and excellent customer service. While official customer service ratings are not readily available, customer reviews suggest that the company is responsive and helpful.

Claims Information: To file a claim with United Benefit Life Insurance Company, customers should contact their policyholder services department at (800) 755-6801 or visit their website for more information.

Company Apps: United Benefit Life Insurance Company offers a mobile app for iOS and Android devices that allows customers to access their policy information, pay premiums, and file claims from their mobile device.

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United Benefit Life Insurance Company Insurance Coverage Options

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

  • Term Life Insurance: Provides coverage for a specified term, typically ranging from 10 to 30 years. Customers can choose the coverage amount and term length that best suits their needs and budget.
  • Whole Life Insurance: Provides lifetime coverage and includes a cash value component that can grow over time. Customers can choose from several different types of whole life insurance policies, including traditional, universal, and variable.
  • Universal Life Insurance: Similar to whole life insurance, but with more flexibility in terms of premiums and death benefits. Customers can adjust their premiums and death benefits as their needs change over time.
  • Final Expense Insurance: Designed to cover the costs of final expenses, such as funeral expenses and medical bills. Customers can choose the coverage amount that best fits their needs.
  • Group Life Insurance: Available to employers who want to provide life insurance coverage to their employees as part of their benefits package.

It’s important to note that not all coverage options may be available in all states, and eligibility requirements may vary. Customers should contact United Benefit Life Insurance Company directly to learn more about their coverage options and to get a quote.

United Benefit Life Insurance Company Insurance Rates Breakdown

Driver ProfileUnited BenefitNational Average
Clean Record$96$119
1+ Ticket$133$147
1+ Accident$188$173
DUI$240$209
Poor Credit$165$205

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

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United Benefit Life Insurance Company Discounts Available

DiscountsUnited Benefit
Anti Theft13%
Good Student10%
Low Mileage17%
Paperless8%
Safe Driver21%
Senior Driver12%

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United Benefit Life Insurance Company offers several discounts to help customers save money on their insurance premiums. These discounts include:

  • Non-Smoker Discount: Customers who do not smoke or use tobacco products may qualify for a non-smoker discount on their life insurance policy.
  • Annual Premium Discount: Customers who choose to pay their premiums annually rather than monthly may be eligible for a discount.
  • Multi-Policy Discount: Customers who have multiple insurance policies with United Benefit Life Insurance Company may qualify for a multi-policy discount.
  • Good Health Discount: Customers who are in good health and can provide evidence of a healthy lifestyle may qualify for a discount on their life insurance policy.
  • Preferred Occupation Discount: Customers who have occupations that are considered to be low-risk may be eligible for a discount on their life insurance policy.

It’s important to note that not all discounts are available in all states or on all policies, and eligibility requirements may vary. Customers should contact United Benefit Life Insurance Company directly to learn more about which discounts they may qualify for.

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How United Benefit Life Insurance Company Ranks Among Providers

In the competitive landscape of insurance providers, several companies stand out for their global presence, diverse product offerings, and financial stability. AIG, known as one of the largest insurance companies worldwide, is recognized for its comprehensive range of insurance products, including life insurance, and is esteemed for its robust financial standing.

Prudential, another major player in the industry, offers various life insurance products, such as term life, universal life, and variable life. State Farm, renowned for its auto insurance, also extends its services to life insurance, presenting both term and whole life options.

  • AIG: One of the largest insurance companies in the world, AIG offers a range of insurance products, including life insurance, and has a strong reputation for financial stability.
  • Prudential: Another large insurance company, Prudential offers a range of life insurance products, including term life, universal life, and variable life.
  • State Farm: Best known for its auto insurance, State Farm also offers life insurance, including term and whole life options.
  • Northwestern Mutual: A mutual insurance company that offers a range of life insurance products, as well as financial planning and investment services.
  • New York Life: Another mutual insurance company, New York Life offers a range of life insurance products, as well as retirement planning and investment services.

United Benefit Life Insurance Company sets itself apart from its competitors by offering personalized service and a commitment to helping customers find the right insurance solutions for their needs. With a strong financial rating and a range of coverage options, it’s a great choice for customers who want a trusted partner in protecting their financial future.

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United Benefit Life Insurance Claims Process

Ease of Filing a Claim

The claims process is a crucial aspect of any insurance company’s service. United Benefit Life Insurance Company offers various channels for filing a claim, ensuring convenience for its customers. Policyholders can choose to file a claim through the online portal, over the phone, or by using the dedicated mobile app.

This flexibility caters to different preferences and ensures that customers can initiate the claims process in a way that suits them best.

Average Claim Processing Time

Efficiency in processing claims is a key factor in customer satisfaction. United Benefit Life Insurance Company strives to provide a prompt and streamlined claims processing experience.

While specific processing times may vary based on the nature of the claim and supporting documentation, the company is committed to handling claims in a timely manner. Policyholders can expect a responsive approach to ensure that their claims are processed efficiently.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a vital role in assessing the overall claims experience. United Benefit Life Insurance Company values customer opinions and aims to deliver fair and satisfactory claim resolutions.

Insights into customer satisfaction with the claim payouts and resolutions contribute to the ongoing improvement of the company’s claims handling process. The feedback loop helps United Benefit Life Insurance Company address any concerns and consistently enhance its service quality.

Explore United Benefit Life Insurance Digital and Technological Features

Mobile App Features and Functionality

In today’s digital age, insurance companies need to provide robust mobile app experiences. United Benefit Life Insurance Company offers a dedicated mobile app for both iOS and Android users. The app comes equipped with features that empower policyholders to manage their insurance on the go.

From accessing policy information to making premium payments and filing claims, the mobile app enhances the overall customer experience by putting essential functionalities at policyholders’ fingertips.

Online Account Management Capabilities

The ability to manage insurance policies online is a convenience that modern customers appreciate. United Benefit Life Insurance Company prioritizes online account management capabilities, allowing policyholders to access and modify their account details with ease.

Whether it’s updating personal information, reviewing policy documents, or exploring additional coverage options, the online platform provides a user-friendly interface for efficient account management.

Digital Tools and Resources

In addition to a user-friendly mobile app and online account management, United Benefit Life Insurance Company offers various digital tools and resources. These tools may include educational resources, calculators, and interactive features designed to help customers make informed decisions about their insurance coverage.

By leveraging digital technology, the company enhances its commitment to providing comprehensive and accessible information to policyholders.

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Frequently Asked Questions

What types of insurance does United Benefit Life Insurance Company offer?

United Benefit Life Insurance Company provides various insurance options, including term life, whole life, and universal life.

How does United Benefit Life Insurance Company stand out in the insurance market?

The company distinguishes itself through personalized service, a commitment to helping customers find the right insurance solutions, and a strong financial rating.

Can I access my policy information and file claims using a mobile app?

Yes, United Benefit Life Insurance Company offers a dedicated mobile app for both iOS and Android users, allowing policyholders to manage their insurance on the go.

How does the claims process work, and what is the average claim processing time?

Policyholders can choose to file a claim through the online portal, phone, or mobile app, and the company is committed to providing a prompt and streamlined claims processing experience. Specific processing times may vary.

Are there discounts available, and how can I determine my insurance rates?

United Benefit Life Insurance Company offers discounts, including those for non-smokers and annual premium payments. To determine your rates, you can compare quotes using the free quote tool on their website.

Compare Insurance Providers Rates to Save Up to 75%

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Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

Licensed Insurance Agent

Michael Vereecke

Commercial Lines Coverage Specialist

Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...

Commercial Lines Coverage Specialist

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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