Life Insurance Reviews


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Feb 15, 2015

2 Contributions
2 People Helped
Helpful to 2 out of 2 people

I contact the home office for all my service needs.  No matter which employee answers my call it's handled quick and accuarately.  Insurance product is very good while the cost is lower than other companies.  

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Oscar1001's review was:    

 
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Feb 04, 2015

3 Contributions
1 Person Helped
Helpful to 1 out of 1 people

I have very poor health. So I have to get a "no questions asked" policy, or "Whole LIFE" policy as it is known. My monthly payments for $ 15,000. is a little over $ 100. a month. I took this policy out when I was about 66 and now I will soon be 70. I am glad I was even able to get life ins.

But be careful, some TV life insurance sold on TV is a huge rip off. New York Life was the best price and was honest and up front about the policy. There was a two year waiting period before the full $ 15,000. would be piad. They want to make sure you are not in such bad health you would pass on within a few months.

We feel for the major health problems I have that New York Life was a fairly honest price, and they were fast, and efficant in issuing me the two policies. One for $10,000. and a $ 5,000. policy two years later.

New York Life is a top AM BEST rated company. My wife and I are very pleased.

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farout68's review was:    

 
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Mar 21, 2015

2 Contributions
0 People Helped

Company been around a long time , and is in good standing.

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Sep 04, 2014

1 Contributions
26 People Helped
Helpful to 26 out of 29 people

I've been w/ USAA since 1963 when I joined the US Army.... and stayed ever since.  Best customer service one can find!!

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GuzelCesme's review was:    

 
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Jul 20, 2014

Helpful to 29 out of 39 people

LOWEST PRICE ON 10 YEAR TERM LIFE FROM AFLAC

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Nov 14, 2014

Helpful to 8 out of 9 people

Penn Mutual is one of the oldest mutual life insurance companies in the nation. It's no wonder because they provide excellent products that are second to none. I highly recommend Penn to anyone.

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Nov 09, 2014

Helpful to 30 out of 32 people

I purchased a 20 year term policy in a different state about 16 years ago.  Unfortunately, the agent I purchased it from is no longer available.  He was much older than me and suspect he is retired or has passed away.  This leads to my my first piece of advice:  When you buy a life insurance policy, make sure you purchase it from a reputable agency that is likely to be in business for years to come, and preferably from an agent who is younger than you are, because otherwise you may find yourself without an agent when you need it the most. 

I had 4 (revocable) beneficiaries listed on my policy, and following a divorce, I needed to remove my former spouse as one of those beneficiaries.  This should be a fairly simple request, but it turned into a never-ending series of headaches.  I submitted precisely what was asked for each time the forms were sent in, but they repeatedly denied my request and ask for additional information.  The most frustrating thing about this is that MO doesn't assign anyone to a case like this and thus, each time you call their customer service reps you have to start from the beginning with a new rep.  So maddening!  I finally insisted that they connect me with someone in the department that handles beneficiary changes.  I then received an Email from a Policy Service Analyst.  The first Email I received from her did not address me by name nor did it have her name or contact info at the bottom.  It was like a text message and in my opinion, very unprofessional.  The only way I knew her name is that it was on the URL.  She approved my beneficiary change, but the first draft of this had several errors on it.  I asked several times to communicate with a supervisor in her department, but she ignored my request.   I eventually received an Email with an attachment that appears to be correct...several months after my first request for the beneficiary change.

I will NEVER purchase anything from MO again.  There does not seem to be any accountability whatsoever when it comes to customer service.  My suggestion to MO is this:  If you receive multiple calls about the same problem, then assign the case to a specific rep who can then become familiar with the case and be held accountable for solving the problem.   

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Oct 17, 2013

Helpful to 27 out of 32 people

Policies looks great but try to get a form to retrieve your savings!!! I've been waiting almost three weeks. I've talked two 10 diffrent agents and still haven't recieved my cash surrender form for Re embers ment of my savings.

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Mar 05, 2015

it is easy to get, easy process and cheap enough for somebody on a limited income.

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