Freedom Life Insurance Review

It’s possible that the features offered by Freedom Life Insurance will raise the value of each policy. There is a policy offered by this firm that provides accidental death and dismemberment coverage as well as an additional medical expense benefit. Policyholders who only require life insurance for a limited period of time may benefit from the company’s term life alternatives. This Freedom Life Insurance Review might aid your worries in finding life insurance.

However, if you’re looking for a typical insurance, you’ll be disappointed with the options provided by this organization. In comparison to other insurers, its term life and short-term disability insurance provide less coverage and have shorter covered durations. Freedom Life’s low business and customer ratings might further raise questions about the company’s service and claim settlements..

Freedom Life insurance rates

Term life insurance from LifeProtector ranges from $10 to $50 a month, with premiums available in $5-step increments.

Freedom Life Insurance Review - Freedom Insurance Logo

What affects my rate with Freedom Life?

Term life insurance premiums, as well as other types of insurance, can vary widely depending on a variety of factors:

  • Age
  • General well-being and body mass index
  • Job
  • Recreational activities that might be deadly passions
  • Length of the sentence
  • Added advantages or features

How to get a quote from Freedom Life insurance

You may apply for a Freedom Life policy by phone or online. Depending on your application, you may have to go through the following steps:

  1. Freedom Life Insurance of America’s customer care number is 800-387-9027.
  2. Fill out the online quotation form instead to get in touch with someone.
  3. Name, address, and health information are all acceptable forms of personal information.
  4. Get a quotation by selecting the kind of coverage you want.
    If you agree to the quotation, make sure you get and read all of your insurance documentation. Do some research on the different types of insurance and ask plenty of questions.
  5. Complete your papers, sign it, and then submit your payment information to complete the transaction.
  6. Start your coverage by returning the papers to Freedom Life.

What types of life insurance coverage does Freedom Life offer?

UnitedHealthcare’s USHEALTH Group owns Freedom Life. The insurer offers the following insurance products through two different subsidiaries:

  • Term life. The company’s 10-year term life insurance plan is the Life Protector policy, while the MedGuard Plan offers five-year term life insurance. When the term of the policy expires, the death benefit is paid, or you choose to continue coverage, you are covered for the selected policy amount until the term is renewed.
  • Short-term disability. Having an Income Protector coverage can benefit you if you become handicapped for a period of time (three to twelve months). If you’re unable to work because of a covered disability, you have the option of a 14- or 30-day elimination period and monthly payments ranging from $500 to $1,500.
  • Accidental death and dismemberment (AD&D). If you’re in a covered accident and die or lose limbs, sight, or hearing, the Accident Protector plan will pay compensation ranging from $2,500 to $15,000. In addition, this plan covers medical deductibles, copays, and other non-covered charges, and provides $4,000 in case of an emergency requiring an air ambulance. However, it’s not clear if the restrictions apply individually or as a single maximum payout for both excess medical and AD&D coverage.
  • Critical illness. The critical illness component of the MedGuard life insurance policy pays out the entire benefit or a portion of it if you survive certain catastrophic diseases. You’ll also be covered if your spouse or children are injured on the job.

What riders can I add to my policy?

MedGuard critical illness benefits are the only ones mentioned by Freedom Life. Most policies, on the other hand, cover you as well as your spouse or children.

Based on what we currently know

  • Spouse rider. The MedGuard Plan provides coverage for critical diseases for your spouse up to a certain amount, which is determined by the level of coverage and premium you select for your spouse’s protection.
  • Child rider. MedGuard provides critical illness coverage for your children up to $15,000 or the insured amount of your spouse, whichever is lesser.

Freedom Life insurance reviews and complaints

The Better Business Bureau (BBB) has given Freedom Life Insurance Company of America a D+ rating as of October 2020. This poor rating is the result of a history of complaints from customers about deceptive sales material, denied claims, cancellations, and payment difficulties.

A common complaint from customers is that the coverage they receive does not live up to the expectations set out by sales people. Other clients express their dissatisfaction with the lengthy and complicated procedure of getting their claims validated and reimbursed. Most concerns are about the health insurance policies offered by the business. The USHEALTH Group has vehemently disputed that there is any pattern to these issues.

A 3.4 out of 5 star rating is given to USHEALTH Group by Trustpilot customers. Most of these customer evaluations are positive, with the exception of the BBB complaints, which grade the firm as fair or poor in the middle.

Visit our analysis of Amica Life Insurance Review to see and compare all the options available to you.

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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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