Family Heritage Insurance Review & Ratings (2023)
This Family Heritage Insurance Review will cover Family Heritage Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Family Heritage Insurance A.M. Best rating is A. 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 20, 2023
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Overview of Family Heritage Insurance
Family Heritage Insurance is a supplemental insurance provider that offers a variety of coverage options to help protect families from unexpected expenses.
- Offers a range of supplemental insurance products, including accident, cancer, and critical illness insurance.
- Has a strong commitment to giving back to the community through its Family Heritage Cares program.
- Provides personalized service through its network of independent agents.
In addition to its commitment to providing quality insurance products, the company also places a strong emphasis on community involvement and personalized service through its network of independent agents.
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History and Mission of Family Heritage Insurance
Family Heritage Insurance was founded in 1989 by two brothers, Howard, and Richard Schaefer, with a mission to provide families with financial protection in times of need.
The company started with just one product, cancer insurance, but quickly expanded to offer other supplemental insurance products, including accident insurance, critical illness insurance, and hospital indemnity insurance.
Family Heritage Insurance is also committed to giving back to the community. They have a dedicated program, Family Heritage Cares, which supports a range of charitable organizations and community events.
The company’s culture is rooted in a strong sense of social responsibility, and they encourage their agents and employees to get involved in local community initiatives.
States Where Family Heritage Offers Coverage
Family Heritage Insurance operates in 49 states across the United States, except New York. The company has a strong presence in the Midwest and South regions of the country, but they also offer coverage in other states such as California, Colorado, and Pennsylvania.
It’s worth noting that insurance regulations and product offerings can vary by state, so the specific products and services available from Family Heritage Insurance may differ depending on where you live.
It’s important to consult with a licensed insurance agent in your state to determine the specific coverage options available to you.
If you’re interested in learning more about the insurance products and services available from Family Heritage Insurance in your state, you can visit their website and use their agent locator tool to find a licensed agent near you.
The agent can provide you with more information about the products and services available in your state and help you determine the best coverage options for your needs.
Products and Services Available With Family Heritage
Family Heritage Insurance specializes in providing supplemental insurance products designed to complement traditional health insurance coverage. Here’s a brief overview of the products and services offered by the company:
- Accident insurance: Accident insurance provides coverage in the event of an accidental injury, such as a broken bone, dislocation, or burn. Benefits may include cash payments for hospitalization, surgery, or other medical expenses, as well as disability or accidental death coverage.
- Cancer insurance: Cancer insurance provides financial support for individuals and families facing a cancer diagnosis. Benefits may include lump-sum cash payments for medical expenses, chemotherapy or radiation treatment, and other cancer-related costs.
- Critical illness insurance: Critical illness insurance provides coverage for serious illnesses such as heart attack, stroke, or organ failure. Benefits may include cash payments to help cover medical expenses, as well as disability or accidental death coverage.
- Hospital indemnity insurance: Hospital indemnity insurance provides coverage for hospitalization due to illness or injury. Benefits may include cash payments to help cover hospital expenses, as well as disability or accidental death coverage.
Family Heritage Insurance encourages customers to consult with a licensed insurance agent to determine the best coverage options for their needs.
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Cost of Family Heritage Insurance
The cost of insurance from Family Heritage Insurance can vary depending on a range of factors, including the specific product or service being offered, the individual’s health status, and the coverage limits and deductibles selected.
In general, the cost of supplemental insurance products such as those offered by Family Heritage Insurance tends to be lower than that of traditional health insurance plans, since they are designed to complement existing coverage rather than replace it.
The exact cost of insurance from Family Heritage Insurance will depend on the individual’s specific needs and coverage options.
To get a more accurate estimate of the cost of insurance, it’s recommended to speak with a licensed insurance agent who can provide personalized quotes and advice based on your circumstances.
Discounts Offered at Family Heritage Insurance
Family Heritage Insurance offers a range of discounts and cost-saving options to help customers save on their insurance premiums. Here are some of the discounts that may be available:
- Healthy living: Family Heritage Insurance offers discounts to customers who engage in healthy behaviors, such as exercising regularly, maintaining a healthy weight, and not using tobacco products.
- Family plans: Family Heritage Insurance may offer discounts to customers who purchase insurance products for multiple family members. This can be a cost-effective way to ensure that everyone in the family has the coverage they need.
- Bundling: Customers who bundle multiple insurance products together with Family Heritage Insurance may be eligible for discounts on their premiums.
- Employer-sponsored plans: Family Heritage Insurance also offers employer-sponsored insurance plans, which may offer lower premiums or other cost-saving options.
It’s important to note that the discounts and cost-saving options available from Family Heritage Insurance can vary depending on the individual’s circumstances and the specific insurance products being purchased.
Customer Feedback for Family Heritage Insurance
Customer reviews of Family Heritage Insurance are generally positive, with many customers praising the company for its personalized service and range of insurance products. Here’s a summary of some of the most common themes found in customer reviews of the company:
- Personalized service: Many customers appreciate the personalized service provided by Family Heritage Insurance, with several reviewers noting that the company’s agents take the time to understand their individual needs and recommend the best insurance products for their situation.
- Range of products: Customers also appreciate the range of insurance products offered by Family Heritage Insurance, with many stating that the company’s supplemental insurance products provide valuable coverage and peace of mind.
- Claims process: Several customers have also praised the company’s claims process, noting that it is easy to file a claim and that the company provides prompt and fair compensation for covered losses.
- Affordable premiums: Many reviewers also note that Family Heritage Insurance offers affordable premiums for its insurance products, making it a cost-effective option for individuals and families looking to supplement their traditional health insurance coverage.
While there are some negative reviews of Family Heritage Insurance, the vast majority of reviews are positive and suggest that the company provides valuable insurance products and high-quality service to its customers.
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In Summary: Family Heritage Insurance
In conclusion, Family Heritage Insurance offers a variety of supplemental insurance products to help protect families from unexpected expenses.
Their commitment to community involvement and personalized service through their network of independent agents sets them apart from other insurance providers.
While their premiums may be higher than some other providers, the discounts and positive customer reviews make them a strong contender for those looking for quality supplemental insurance coverage.