AmerUs Life Insurance Review & Ratings (2023)
This AmerUs Life Insurance Review will cover AmerUs Life Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Feb 19, 2023
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AmerUs Life Insurance is a leading provider of life insurance coverage in the United States. With a rich history and a commitment to offering affordable and comprehensive coverage options, AmerUs is an excellent choice for those looking to secure their financial future. In this article, we will delve into the company’s history and mission, its main products and services, the cost of those services, the states where its services are offered, the different types of discounts available, and a review of customer feedback on the company.
Highlights:
- Comprehensive coverage options
- Affordable life insurance policies
- Experienced provider with a long history in the industry
AmerUs Life Insurance is a trusted provider of life insurance coverage in the United States. Dating back over a century, the company has a long-standing reputation for providing reliable and affordable coverage options to families and individuals alike. Today, AmerUs continues to lead the industry with its comprehensive life insurance offerings, designed to meet the changing needs of its customers.
The company was established in 1909, and since then it has been providing life insurance coverage to families and individuals across the country. The company’s mission is to provide affordable and reliable life insurance coverage to its customers, helping them to secure their financial future and protect their loved ones.
AmerUS Life Insurance Products and Services
AmerUs offers a range of life insurance coverage options, including term life insurance, whole life insurance, and universal life insurance. The company also offers additional coverage options, such as accidental death and dismemberment coverage, to further protect its customers.
Here is a detailed look at the main products and services offered by AmerUs:
- Term life insurance: This type of coverage provides protection for a specific period of time, usually 10, 20, or 30 years. Term life insurance is often the most affordable type of life insurance coverage and is ideal for individuals who are looking for coverage during their working years.
- Whole life insurance: Whole life insurance provides coverage for the entire lifetime of the policyholder and also includes a savings component. This type of coverage is typically more expensive than term life insurance, but it provides a level of security for policyholders and their beneficiaries.
- Universal life insurance: Universal life insurance provides flexible coverage options, allowing policyholders to adjust the death benefit and premium payments over time. This type of coverage is ideal for individuals who want the security of permanent life insurance, but with the flexibility to adjust their coverage as their needs change.
- Accidental death and dismemberment (AD&D) coverage: AD&D coverage provides additional protection for policyholders in the event of accidental death or dismemberment. This coverage can be added to a life insurance policy to provide additional peace of mind for policyholders.
In addition to these core products, AmerUs also offers a range of other services, including policyholder support, online account management, and more. With its comprehensive coverage options and experienced customer service team, AmerUs is well-equipped to meet the needs of its customers.
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AmerUS Life Insurance Cost
The cost of AmerUs life insurance coverage varies based on the type of coverage selected, the amount of coverage, and the individual’s age, health, and other factors.
For example, term life insurance is often the most affordable type of life insurance coverage, and premiums may start at just a few dollars per month. Whole life insurance, on the other hand, is typically more expensive than term life insurance, as it provides lifelong coverage and includes a savings component.
The cost of universal life insurance can also vary depending on the policyholder’s needs and preferences, as this type of coverage allows for flexible premium and death benefit adjustments over time.
It is also important to note that certain discounts may be available to AmerUs customers, including multi-policy discounts and more.
In order to determine the specific cost of coverage, it is recommended that individuals get in touch with an AmerUs representative to receive a personalized quote. This quote will take into account the policyholder’s specific coverage needs and budget, helping to ensure that they are able to find the right coverage at an affordable price.
AmerUS Life Insurance Coverage Area
AmerUs Life Insurance coverage is available in all states except for New York. This means that individuals and families in the majority of states are able to take advantage of the comprehensive life insurance coverage options offered by AmerUS.
Coverage options and pricing may vary depending on the state in which the policyholder resides. Additionally, certain regulations and laws may also vary by state, so it is important for individuals to consult with an AmerUS representative to learn about the specific coverage options available in their state.
Regardless of the state, AmerUS is committed to providing affordable and reliable life insurance overage to its customers. With its comprehensive coverage options and experienced customer service team, AmerUS is well-equipped to meet the needs of individuals and families across the country.
Discounts Available Through AmerUs Life Insurance
AmerUs offers several discounts to its customers, including multi-policy discounts for those who have multiple policies with the company, as well as discounts for individuals who are non-smokers and have a good driving record.
Here is a look at some of the main discounts available:
- Multi-policy discounts: This discount is available to customers have multiple policies with the company, including life insurance and other types of coverage.
- Health and wellness discounts: This discount is offered to customers who engage in healthy habits and activities, such as non-smoking and regular exercise.
- Group discounts: This discount is available for groups, including employees of large companies and members of certain organizations.
These are just a few examples of the discounts available from AmerUs. To determine if you are eligible for any discounts, it is recommended that you contact an AmerUs representative to discuss your specific coverage needs and budget.
It is important to note that discounts may vary depending on the state in which the policyholder resides and other factors, so it is important to speak with an AmerUs representative to learn about the specific discounts available in your area. Regardless of the discounts offered, AmerUs is committed to providing affordable and reliable life insurance coverage to its customers.
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AmerUS Life Insurance Customer Reviews
AmerUs Life Insurance has received mixed reviews from its customers. While some customers praise the company for its comprehensive coverage options and affordable prices, others have criticized its customer service and claims process.
Many customers have reported that AmerUs offers competitively priced life insurance coverage, with a range of options to meet the unique needs of each policyholder. Customers also appreciate the flexibility of the company’s coverage options, as well as the ability to adjust coverage and premiums over time.
However, some customers have expressed dissatisfaction with the customer service provided by AmerUs. Some customers have reported lengthy wait times when trying to reach a representative, as well as issues with the claims process.
Overall, AmerUs has received generally positive feedback from its customers. Many customers praise the company for its affordable coverage options, reliable customer service, and comprehensive coverage options. However, some customers have reported issues with the claims process, saying that it can be slow and difficult to navigate.
It is important to note that customer experiences with AmerUs will vary, and it is recommended that individuals considering the company speak with multiple customers to get a better understanding of the company’s strengths and weaknesses. Additionally, it is important to research multiple life insurance providers in order to find the right coverage for your specific needs and budget.
In Summary: AmerUS Life Insurance
In conclusion, AmerUs Life Insurance is an experienced and reliable provider of life insurance coverage in the United States. With a long history of serving families and individuals, the company offers comprehensive coverage options at an affordable cost, making it an excellent choice for those looking to secure their financial future.
With a history spanning a century, AmerUS Life Insurance offers reliable and affordable coverage options backed by a strong reputation. Whatever your life insurance needs, AmerUS Life Insurance has plans and options ready for you.