ReliaStar Life Insurance Review & Ratings (2023)
This ReliaStar Life Insurance Review will cover ReliaStar Life Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The ReliaStar Life Insurance A.M. Best rating is A, and the ReliaStar Life Insurance S&P 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: Mar 6, 2023
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Life insurance is a crucial financial planning tool that provides financial protection for your loved ones in the event of your death. ReliaStar Life Insurance is a leading provider of life insurance products, offering comprehensive coverage at affordable rates.
ReliaStar Life Insurance is a reputable insurance company that offers a range of life insurance products to individuals and businesses. Here are three interesting attributes of the company:
- ReliaStar Life Insurance has been in operation for over 100 years, providing financial protection to customers since 1885.
- The company offers a range of life insurance policies, including term life insurance, universal life insurance, and variable universal life insurance.
- ReliaStar Life Insurance is a subsidiary of Voya Financial, a company that provides retirement, investment, and insurance solutions to individuals and businesses.
In this article, we’ll take a closer look at the company’s history, mission, products, services, and customer reviews to help you determine if ReliaStar Life Insurance is the right insurance provider for you.
History and Mission: ReliaStar Life Insurance
ReliaStar Life Insurance has a rich history dating back to its founding in 1885. Originally known as Northwestern National Life Insurance Company, the company changed its name to ReliaStar Life Insurance in 1999.
In 2000, the company was acquired by the ING Group, a global financial institution. In 2013, ING Group’s U.S. retirement, investment, and insurance businesses were acquired by Voya Financial, which is now the parent company of ReliaStar Life Insurance.
The mission of ReliaStar Life Insurance is to help individuals and businesses achieve financial security by providing comprehensive insurance products and retirement solutions.
The company is committed to building long-term relationships with its customers and providing superior customer service. ReliaStar Life Insurance aims to help customers protect their financial futures and plan for retirement by offering a range of life insurance and retirement solutions.
Overall, the company’s mission is to help customers achieve their financial goals and enjoy peace of mind knowing that they are financially protected.
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Coverage Options by ReliaStar Life Insurance
ReliaStar Life Insurance offers a variety of life insurance and retirement products and services. Here’s an overview of some of the main products and services the company provides:
- Life insurance: ReliaStar Life Insurance offers several types of life insurance policies to meet the needs of individuals and families. These include:
- Term life insurance: This policy provides coverage for a specified period, usually between 10 and 30 years. It is generally the most affordable type of life insurance and is designed to provide coverage during the years when a person’s financial obligations and responsibilities are highest.
- Whole life insurance: This policy provides permanent coverage for the duration of the policyholder’s life. It also includes a savings component that accumulates cash value over time.
- Universal life insurance: This policy provides flexible coverage and premiums, allowing policyholders to adjust their coverage levels and premiums over time as their needs change.
2. Retirement solutions: ReliaStar Life Insurance also offers a variety of retirement solutions to help individuals plan for their financial futures. These include:
- Annuities: ReliaStar Life Insurance offers a variety of annuity products, including fixed annuities, variable annuities, and indexed annuities. Annuities are designed to provide a steady stream of income during retirement.
- Retirement plans: ReliaStar Life Insurance provides a range of retirement plans, including 401(k) plans, 403(b) plans, and other employer-sponsored plans.
3.Group benefits: ReliaStar Life Insurance also offers group benefits solutions to employers, including group life insurance, disability insurance, and long-term care insurance.
ReliaStar Life Insurance operates in most states across the United States, and the availability of specific products and services may vary depending on your location. To learn more about the specific products and services offered by ReliaStar Life Insurance in your area, it’s best to contact the company directly or speak with a licensed insurance agent.
Cost of Insurance With ReliaStar Life
The cost of insurance from ReliaStar Life Insurance will vary depending on some factors, including the type of policy you choose, your age and health, your coverage needs, and your location.
As with any insurance company, the cost of insurance from ReliaStar Life Insurance is determined based on actuarial tables that take into account a variety of risk factors.
To get an accurate quote for insurance from ReliaStar Life Insurance, it’s best to contact the company directly or speak with a licensed insurance agent.
This will allow you to provide detailed information about your needs and receive a personalized quote based on your circumstances.
Discounts Available at ReliaStar Life Insurance
ReliaStar Life Insurance offers a variety of discounts to help customers save money on their insurance premiums. Here are some of the discounts that may be available:
- Multi-policy discount: If you have more than one insurance policy with ReliaStar Life Insurance, such as a life insurance policy and an annuity, you may qualify for a discount on your premiums.
- Safe driver discount: If you have a clean driving record, you may be eligible for a safe driver discount on your life insurance premiums.
- Bundled discounts: If you bundle your life insurance policy with other products or services from ReliaStar Life Insurance, you may qualify for additional discounts on your premiums.
- Health and lifestyle discounts: ReliaStar Life Insurance may offer discounts based on your health and lifestyle choices. For example, if you are a non-smoker or maintain a healthy weight, you may be eligible for a discount on your premiums.
- Loyalty discounts: If you have been a customer of ReliaStar Life Insurance for a certain period, you may qualify for a loyalty discount on your premiums.
To learn more about the discounts that may be available to you, it’s best to contact ReliaStar Life Insurance directly or speak with a licensed insurance agent. They can provide more detailed information about the discounts that you may qualify for based on your circumstances.
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States Where ReliaStar Life Insurance Offers Coverage
ReliaStar Life Insurance operates in most states across the United States, but the availability of specific products and services may vary depending on your location.
Here’s a list of the states where ReliaStar Life Insurance currently offers coverage:
Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin.
It’s important to note that the specific products and services offered by ReliaStar Life Insurance may vary by state. To learn more about the specific coverage options available in your area, it’s best to contact the company directly or speak with a licensed insurance agent.
Customer Feedback for ReliaStar Life Insurance
ReliaStar Life Insurance is a reputable insurance provider that has been in business for over a century. The company has a solid financial rating, with an A+ rating from the Better Business Bureau.
Overall, customer reviews of ReliaStar Life Insurance tend to be positive, with many customers reporting a positive experience with the company’s customer service, claims handling, and overall value for money.
Here are some examples of customer reviews of ReliaStar Life Insurance from reputable review sites:
On Trustpilot, ReliaStar Life Insurance has a rating of 4.3 out of 5 stars, based on over 1,200 reviews. Many customers praise the company’s competitive pricing and helpful customer service, while some express concerns about communication and billing issues.
On Consumer Affairs, ReliaStar Life Insurance has a rating of 3.6 out of 5 stars, based on over 120 reviews. Positive reviews often cite the company’s fast and efficient claims handling, while negative reviews tend to focus on issues with communication and billing.
On Clearsurance, ReliaStar Life Insurance has a rating of 4.67 out of 5 stars, based on 3 reviews. Customers generally report a positive experience with the company’s customer service and claims handling.
It’s important to keep in mind that individual experiences may vary, and that customer reviews should be used as one of many factors in making an informed decision about an insurance provider.
To get a more comprehensive picture of ReliaStar Life Insurance and its services, it’s best to contact the company directly or speak with a licensed insurance agent.
In Summary: ReliaStar Life Insurance
n conclusion, ReliaStar Life Insurance is a reputable insurance provider with a long history of providing quality insurance products and services to customers across the United States.
The company offers a range of life insurance policies, including term, universal, and variable life insurance, as well as group life insurance options for businesses.
While the cost of coverage may vary depending on factors like age, health, and location, ReliaStar Life Insurance generally offers competitive rates and discounts for eligible customers.
ReliaStar Life Insurance is a solid choice for customers looking for quality life insurance coverage at a competitive price. As with any insurance provider, it’s important to do your research and carefully consider your options before making a decision.