Central United Life Insurance Review & Ratings (2023)

This Central United Life Insurance Review will cover Central United Life Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Central United Life Insurance A.M. Best rating is B+. To compare insurance rates from the best companies in your area, enter your ZIP code below.

UPDATED: Feb 20, 2023Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Feb 20, 2023

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Company Details
Address: 10777 Northwest Freeway
City: Houston
State: TX
ZIP Code: 77092
Phone Number: (713) 529-0045
Fax: (713) 821-6502
AM Best Rating: B+

An Overview: Central United Life Insurance

Central United Life Insurance is a well-established company that has been offering insurance products for over 50 years. The company’s mission is to provide quality insurance products and services to meet the needs of its customers.

  • Founded in 1967, Central United Life has been serving customers for over 50 years.
  • The company offers a range of insurance products, including life insurance, annuities, and individual health insurance.
  • Central United Life operates in 44 states across the US.

Central United Life offers a range of insurance products, including life insurance, annuities, and individual health insurance. The company operates in 44 states across the US, offering insurance coverage to a large customer base.

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History and Mission of Central United Life Insurance

Central United Life Insurance was founded in 1967, making it a well-established insurance company with over 50 years of experience in the industry.

The company’s mission is to provide quality insurance products and services to meet the needs of its customers. Central United Life is dedicated to helping its customers protect themselves, their families, and their assets by offering insurance coverage tailored to their specific needs and budget.

The company’s focus on quality customer service and its commitment to meeting the needs of its customers has helped it grow and expand over the years.

Today, Central United Life operates in 44 states across the US and offers a range of insurance products, including life insurance, annuities, and individual health insurance.

States Where Central United Life Offers Insurance

Central United Life Insurance offers its products and services in 44 states across the US. The exact list of states where the company operates may vary, but some of the states where Central United Life is known to offer insurance coverage include:

Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas and Virginia.

Customers who are interested in purchasing insurance from the company should check to see if its products and services are available in their state and verify the specific coverage options available to them.

Coverage Options: Central United Life Insurance

Central United Life Insurance offers a wide range of insurance products and services to meet the needs of its customers. Some of the main insurance products offered by the company include:

  • Life insurance: Central United Life offers several life insurance options, including term life insurance, whole life insurance, and universal life insurance. These policies provide coverage for a specified period of time, or for the entire lifetime of the policyholder, and help protect the policyholder’s family and assets in the event of their death.
  • Annuities: Central United Life offers annuity products, which are long-term investment products that provide guaranteed income for a specific period of time, or for the entire lifetime of the policyholder. Annuities are a popular choice for those who are looking for a secure, tax-deferred investment option to help them save for retirement.
  • Individual health insurance: Central United Life also offers individual health insurance policies, which provide coverage for medical expenses, including hospital stays, doctor visits, and prescription drugs. Health insurance policies are designed to help policyholders manage the cost of their medical expenses and protect their health and well-being.

In addition to these main insurance products, Central United Life also offers a range of related services, including policy underwriting, claims processing, and customer support.

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Cost of Central United Life Insurance

The cost of insurance from Central United Life will vary depending on several factors, including the type of insurance policy, the amount of coverage, and the age and health of the policyholder.

A younger policyholder in good health will typically pay lower premiums than an older policyholder who is in poor health.

Similarly, the cost of an annuity product will be determined by factors such as the investment amount, the length of the annuity period, and the policyholder’s age.

The cost of individual health insurance policies will be influenced by factors such as the type of coverage, the policyholder’s age, their location, and the level of deductibles and copayments selected.

Policyholders can also expect to pay more for health insurance policies that offer a wider range of benefits and cover more medical expenses.

Discounts Available at Central United Life Insurance

  • Multi-policy discounts: Customers who have multiple insurance policies with Central United Life can receive discounts on their premiums.
  • Good driver discounts: Safe drivers can receive discounts on their auto insurance premiums.
  • Health and wellness discounts: Customers who participate in health and wellness programs can receive discounts on their insurance premiums.

Central United Life offers a range of discounts and savings opportunities to its customers. Customers who have multiple insurance policies with the company can receive discounts on their premiums.

Safe drivers can also receive discounts on their auto insurance premiums through the good driver discount program. Additionally, customers who participate in health and wellness programs can receive discounts on their insurance premiums.

Customer Reviews of Central United Life Insurance

Customers have mixed reviews of Central United Life. Many customers praise the company for its competitive pricing and excellent customer service.

However, some customers have reported issues with the company’s claims process and have had difficulty getting their claims paid.

It’s important for customers to carefully research insurance providers and compare quotes before choosing a policy to ensure they are getting the best coverage for their needs and budget.

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In Summary: Central United Life Insurance

In conclusion, Central United Life Insurance is a well-established company that offers a range of insurance products, including life insurance, annuities, and individual health insurance.

The company operates in 44 states across the US and offers a range of discounts and savings opportunities to its customers.

While customer reviews of the company are mixed, it’s important for customers to carefully research insurance providers and compare quotes before choosing a policy.

Reviews
for Central Insurance

3.81 (47 reviews)
1
February 4, 2022

Ashlyn

Lack of correct info

Very frustrated with our experience. We went through insure right for our policy and there was not great communication. We had trouble getting the correct Information and we were told a problem was covered and it was not. We then found a cheaper option and so we cancelled and were told we had would not be charged extra and we were good to go then we got a bill. We called saying that we had been told we were good to go but they said there was noth...
Very frustrated with our experience. We went through insure right for our policy and there was not great communication. We had trouble getting the correct Information and we were told a problem was covered and it was not. We then found a cheaper option and so we cancelled and were told we had would not be charged extra and we were good to go then we got a bill. We called saying that we had been told we were good to go but they said there was nothing they could do unless they talked to the person who told us. We had no record of who we had talked too. We were fine paying but it was the lack of correct information and communication and it seemed like no one was on the same page so we it kind of ruined our experience
3
January 12, 2020

Jack-Rider

Quality work

A great company with a valuable work and great quality and also with dedicated members and company workers.
4
June 22, 2019

reviewer12345

Quick fix on a wrecked vehicle where fault was questioned

Step daughter was involved in a car wreck in a parking lot where the other driver was not paying attention and took the front end of her car off. Central wasted no time fixing the vehicle in a situation where the other driver was claiming she was the one that was hit. Great company to work with that also has fair premiums for teenage drivers.
5
March 28, 2019

Dessgrand

Central Insurance- best rates w awesome customer service

Central insurance gave me the best rates for the coverage. Professional and very helpful with quality customer service
4
December 22, 2018

Dimaa

Didn't encounter any incident till now

Till now normal . The agent was helpful over the the phone. Thanks God I didn't encounter any incidents or accidents so far
4
December 15, 2018

PandJ

Good Company

Pretty good company they have had decent rates and they will work with you if you are going to be late on paying your payment if you need them to
4
December 13, 2018

Amya5

Very good experience

Our experience with Central Insurance has been very good. We have had 3 claims with them and each one was handled quickly and professionally. We have not had huge increases in premiums and our agent is excellent.
3
July 19, 2018

RLM

Insurance

Although I have not filed any claims, I have had no problems with this company. I get loyalty and payment timeliness discounts.
5
March 1, 2018

Sannipanni

Great price point

We switched our car insurance policies to Central Insurance Company when we bought our house to qualify for the multi policy discount. None of our previous companies could Match the price! So far we’ve used our insurance to repair windshield chips and they quickly sent someone out to fix them. Customer service has been great!
5
February 7, 2018

herbert616

23 years of excellent service

I have had auto insurance with Central Insurance Company for 23 years. Both my agent and the company as a whole have been easy to work with every time I have had to make a claim, change cars, or add someone to my policy. I have been nothing but pleased with the service and value I have received from my policy.
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