Assurity Life is the combination of three longstanding life insurance companies based in Nebraska – Security Financial Life, Lincoln Direct Life, and Assurity Life. The company and its subsidiaries have been operating for nearly 120 years and offer coverage in 49 states plus Washington DC. Assurity’s mission is helping people through difficult times, and they offer a wide range of products to fulfill that goal. The company maintains an “A-” financial rating with a stable outlook from A.M. Best and offers the following products:
Non-Med Term 350 – A term life insurance policy with benefits and premiums guaranteed for your choice of 10, 15, 20, or 30 years. Life insurance with no medical exam required with simplified underwriting and policies can be issued in as little as 48 hours. Up to $350,000 of coverage available.
Term 350 Plus – A term life insurance policy with benefits and premiums guaranteed for 10, 15, 20, or 30 years. Available for coverage amounts over $350,000 and requires a medical exam.
LifeScape Simplified Issue – A whole life insurance policy with no medical exam required and simplified underwriting. Death benefits and premiums are guaranteed for life, and the policy features a cash value that increases over the life of the policy. LifeScape Graded Benefit and LifeScape Modified Benefit are excellent options for high risk life insurance that is unable to qualify for other coverage. Minimum benefit of $5,000, up to $50,000 of coverage available.
LifeScape Whole Life – A whole life insurance policy with guaranteed benefits and cash values for life. Minimum benefit of $10,000, no specific maximum benefit. Eligible for dividends that can increase the policy’s cash value, be used to reduce premiums, purchase paid-up additional insurance, or be returned as a cash payment.
AssurityBalance – Assurity Balance is a critical illness policy that pays a lump sum cash payment in the event of a life-threatening illness (such as cancer, heart attack, etc.). Up to 21 different illnesses qualify for payment, and a Return of Premium option is available that pays back all premiums if the insured dies of any cause other than a covered illness (less any benefits already paid).
Universal Life Select or Premier – A universal life insurance policy that builds cash value. Offers flexible and affordable coverage for life with several available optional riders.
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