Constitution Life Insurance Review & Ratings (2023)
This Constitution Life Insurance Review will cover Constitution Life Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Constitution Life Insurance A.M. Best rating is B+. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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UPDATED: Feb 20, 2023
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With over 50 years of experience in the industry, Constitution Life has built a reputation for providing quality insurance coverage and excellent customer service. The company operates in most states across the US and has local agents to provide personalized support to its customers.
- Constitution Life Insurance is a well-established company with over 50 years of experience in the industry
- The company offers a wide range of insurance products and services, including life insurance, annuities, and long-term care insurance
- Constitution Life Insurance is available in most states across the US, offering customers the convenience of local agents for personalized service
Constitution Life Insurance, also known as Constitution Life, is a well-established life insurance company that has been providing life insurance policies for over a century. The company’s mission is to provide peace of mind and security to its customers by offering various life insurance options at affordable prices.
Constitution Life Insurance History and Mission
Constitution Life Insurance is a company with a rich history, having been established in 1868. They offer a variety of life insurance products, including term life insurance, whole life insurance, and universal life insurance. Over the years, the company has expanded its offerings to include annuities, long-term care insurance, and other financial products.
Constitution Life’s goal is to help its customers secure their financial future and provide peace of mind in uncertainty. The company has a strong financial rating, as demonstrated by its ratings from industry experts. You can visit their website or call their customer service to find out which states have Constitution Life insurance.
Products and Services: Constitution Life Insurance
Constitution Life Insurance offers a variety of insurance products and services to meet the needs of its customers. These include:
- Term life insurance: This type of life insurance provides coverage for a specified period of time, such as 10, 20, or 30 years. If the policyholder dies within the term, the beneficiaries receive the death benefit. If the policyholder survives the term, the policy typically expires without any value.
- Whole life insurance: This type provides coverage for the policyholder’s entire lifetime. Whole life insurance policies accumulate cash value over time, which can be accessed through loans or withdrawals. The cash value can also help pay the policy’s premiums.
- Universal life insurance: Universal life insurance is a type of permanent life insurance that provides flexible coverage and cash value options. Unlike whole life insurance, universal life insurance policies allow policyholders to adjust the death benefit and premium payments as needed.
- Annuities: An annuity is a type of investment that provides a guaranteed stream of income for a specified period of time, such as during retirement. Constitution Life Insurance offers several types of annuities, including fixed annuities, variable annuities, and indexed annuities.
In addition to these core coverage options, Constitution Life Insurance offers several riders that can be added to a policy. Some common riders include accidental death and dismemberment coverage, which provides an additional benefit if the policyholder dies or is injured due to an accident, and long-term care coverage, which provides benefits if the policyholder needs assistance with activities of daily living.
It’s important to work with an insurance professional to determine the best life insurance coverage to meet your needs. They can help you understand the different coverage options, riders, and discounts available and can help you find the policy that provides the right level of protection for you and your loved ones.
Constitution Life Insurance Cost and Discounts
Constitution Life insurance rates are determined by various factors, including age, gender, health status, and coverage amount requested by the policyholder. In general, younger and healthier individuals are likely to receive lower rates, while older individuals or those with pre-existing health conditions may pay higher premiums.
Constitution Life Insurance is a company that offers life insurance policies to its customers. Like many insurance providers, Constitution Life Insurance offers discounts to its policyholders to help them save money on their premiums. Here are some of the discounts that may be available through Constitution Life Insurance:
- Non-Smoker discount: If you don’t smoke or use tobacco products, you may be eligible for a discount on your life insurance premiums.
- Healthy lifestyle discount: Some insurance companies, including Constitution Life Insurance, may offer discounts to policyholders who maintain a healthy lifestyle. This can include things like regular exercise, healthy eating habits, and maintaining a healthy weight.
- Multi-Policy discount: If you have multiple insurance policies with Constitution Life Insurance, such as home and auto insurance, in addition to your life insurance policy, you may be eligible for a discount.
- Safe driving discount: If you have a good driving record and no recent accidents or traffic violations, you may be eligible for a discount on your life insurance premiums.
- Loyalty discount: If you have been a policyholder with Constitution Life Insurance for a certain number of years, you may be eligible for a loyalty discount.
It’s important to note that not all of these discounts may be available in all states or for all types of policies, and the availability of discounts can vary by the policyholder. It’s best to speak with a representative from Constitution Life Insurance to learn more about discounts available to you.
Reviews of Constitution Life Insurance
Constitution Life Insurance has received mixed reviews from policyholders and industry experts. Some policyholders have praised the company for its strong financial rating and competitive prices, while others have criticized the company for its customer service and claims processing.
Here is a summary of the general sentiment expressed in the online reviews:
- Better Business Bureau (BBB): Constitution Life Insurance has an A+ rating with the BBB, the highest rating possible. However, there are relatively few customer reviews on the BBB website. The few reviews that exist are generally positive.
- Trustpilot: Constitution Life Insurance has a rating of 3.3 out of 5 stars based on 67 reviews. The reviews are mixed, with some customers expressing satisfaction with their experience and others complaining about issues such as slow claims processing or difficulty reaching customer service.
- Google reviews: On Google, Constitution Life Insurance has a rating of 3.3 out of 5 stars based on 20 reviews. Like the reviews on Trustpilot, the reviews on Google are mixed, with some customers expressing satisfaction and others expressing frustration with issues such as billing errors or difficulty getting in touch with customer service.
It’s worth noting that online reviews can be subjective and may not provide a complete picture of a company’s products or services. It’s important to do your own research and speak directly with a representative from the company to get a complete understanding of the products and services they offer.
In Review: Constitution Life Insurance
Constitution Life Insurance is a company with a long history of providing quality life insurance coverage. With various products and discounts available, it’s worth considering this company when shopping for life insurance. However, be sure to carefully consider the company’s history, coverage options, cost, and criticisms before making a decision.