Erie Family Life Insurance Review

You’ll need to speak with an agent to obtain a sense of the cost of an Erie Family Life policy.
According to the company’s website, a $250,000 insurance may be had for as low as $14.24 a month. However, the price does not take into account criteria such as age or medical history when determining who qualifies for the discounted rate.

How to get a quote from Erie Family Life life insurance

Erie Family Life Insurance Review - Erie Family Logo

You can’t apply or even begin an application online, unlike rivals. To enroll, make a phone call to a representative in Erie, Pennsylvania.

  1. On the Erie Insurance website, go to Service, then Contact Erie.
  2. You may find out more by clicking on Contact a Local Erie Agent, and then you can use the ZIP code search to find agents and offices in your area.

If you need assistance, you may reach Erie Family Life toll-free at 800-458-0811.

Pros and Cons of Erie Life Insurance


  • Local agents and one-on-one guidance for every policy purchase
  • Financially stable company
  • Coverage from the day of birth


  • Available in 12 states only
  • No online quotes
  • Very few online services

What types of life insurance coverage does Erie Family Life offer?

Term, whole and universal life insurance plans with a range of riders are available from Erie Family Life, a branch of Erie Insurance, for qualifying customers.

  • Term life insurance. With Erie’s most cost-effective term insurance, you have complete discretion over the terms and scope of coverage you get. They provide maturities of 5, 10, 15, 20, or 30 years, with premiums remaining constant throughout the term.

There are two choices:

  • Easy-to-purchase. Receive your decision on whether or not you qualify for up to $90,000 in protection in 15 minutes after completing a few medical questions.
  • Level term insurance. You have the option to switch your coverage to a whole life insurance policy of equal or lesser value at the conclusion of your term.
  • Whole life. If you have a permanent life insurance policy, your loved ones will be protected for the rest of their lives. If you are between the ages of 10 and 85, Erie provides policy coverage amounts ranging from $10,000 to $10 million. There are six payment duration choices available, and if you are diagnosed with a terminal disease, you can get free cash advances on your death benefit.
  • Universal. The best of both worlds is available with universal insurance. A whole life insurance offers the same low-cost protection as a term policy, as well as the cost reductions associated with it.
    The policyholder can specify charity contributions from the death benefit of universal policies, which can also cover particular business conditions.
    Erie’s all-inclusive coverage includes the following features:
    • Flexibility. Choose between paying the bare minimum to maintain your insurance’s status quo and making a larger contribution to the investing portion of the policy.
    • Guaranteed death benefit. Unless you make changes to the benefit, your coverage will remain the same as long as you make premium payments and do not deplete your cash value account.
    • Interest-bearing policy. Profit from a guaranteed rate of return on your monetary investments.
    • Potential tax benefits. As long as you don’t take the tax-deferred interest or otherwise terminate your policy, you can earn tax-free income from policy loans.

What riders can I add to my policy?

  • Accelerated death benefit rider. A portion of your death benefit may be available if you are diagnosed with a terminal disease and have less than 12 months to live.
  • Riders gain from critical sickness. Insurance that helps with chronic illness-related expenditures that aren’t covered by Medicare.
  • Rider for long-term care. It helps pay for long-term nursing care at a facility or at home, if necessary.

Erie Family Life insurance reviews and complaints

A + is the A.M. Best rating for Erie Family Life. Better Firm Bureau accreditation isn’t available for this business; but, as of October 2020, the BBB awards it an A + rating based on its own in-house standards, including how long it’s been in business and how it handles consumer complaints.

Unlike other life insurance businesses, there aren’t many complaints filed against this particular firm online.

About Erie Family Life

Insurance plans have been sold by Erie Insurance since 1925. Customer service that is “almost flawless” has always been a corporate goal since Erie was founded, according to company legend.

Erie Insurance also offers the following services in addition to life insurance:

  • Auto and leisure vehicle insurance
  • Retirement plans and annuities
  • Home and property insurance
  • Business insurance

Bottom line

Erie’s insurance agent-to-customer interaction is more conventional and personal. If you’re not interested in it, look into other companies that provide online quotes and applications.

Checkout our review of Effortless Life Insurance Review for another life insurance review.

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Levi Jorgensen
Levi Jorgensen is a life-long explorer. When he's not writing about life insurance, he works as an appraiser of antiques. He's based in Columbus, Ohio with his wife and 2 children.
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