Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jan 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Company Details
Address: 2000 Q Street
City: Lincoln
State: NE
ZIP Code: 68503
Phone Number: 800-869-0355
AM Best Rating: A- (Excellent)
Company Rating 0 (0 reviews)

The Facts of Life

  • Assurity Life offers many types of life insurance, including whole life, term life, and universal life.
  • Assurantly has a much higher investment grade than the industry average.
  • The Better Business Bureau (BBB) ranks the company with an A-.

Assurity Life Insurance has been a trusted leader in providing insurance for over 125 years. Many of us have people who financially depend on us and we need to make sure they’re taken care of if we’re no longer around. Assurity Life Insurance provides multiple policies ranging from term life insurance to whole life insurance and everything in between.

There are insurance policies designed for every need. Whether you’re a professional, student, small business owner, CEO, or homemaker, buying life insurance will provide you the peace of mind you need to focus on what’s most important.

Before you buy life insurance, however, compare quotes from multiple companies near you using the search above.

Assurity Life Insurance Rates

It’s often confusing for many people to figure out if life insurance is worth it. A lot of the confusion is due to the rates and types of coverage. But everyone should consider buying a life insurance policy to protect the future of their dependents.

The table below provides a detailed breakdown of life insurance rates based on various factors.

Average Monthly 20-Year Term Life Insurance Rates by Age, Gender, and Coverage Value
Age and Gender$250,000 Policy Average Monthly Life Insurance Rates$500,000 Policy Average Monthly Life Insurance Rates$750,000 Policy Average Monthly Life Insurance Rates$1 Million Policy Average Monthly Life Insurance Rates$2 Million Policy Average Monthly Life Insurance Rates
20-Year-Old Male$18$29$40$47$86
20-Year-Old Female$15$22$30$35$64
25-Year-Old Male$17$28$39$46$86
25-Year-Old Female$15$22$30$35$65
30-Year-Old Male$18$29$40$47$89
30-Year-Old Female$15$23$31$37$69
35-Year-Old Male$19$31$44$52$99
35-Year-Old Female$17$26$36$43$79
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As you can see, there are excellent options for affordable insurance plans for everyone at any age. If you’d like to learn more, check out these life insurance types explained in more detail. I bet you never imagined how inexpensive monthly payments can provide so much peace-of-mind.

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What types of life insurance are offered?

There are multiple types of life insurance policies. However, the most common ones are term, whole, and universal.

The table below explains the basic differences between all three of these policies, which also will offer you a better idea of which policy is best for your needs.

Compare Term vs. Whole vs. Universal Life Insurance Policies
DetailsTerm lifeWhole lifeUniversal life
Policy durationBuyer's ChoicePermanentPermanent
Cash value interest calculationNo cash accountFixed interest rate, non-guaranteed dividendsBond interest rates
Flexible premiumsNoNoYes
Cash account value can declineN/ANoYes, if rates are low and fees high
Flexible death benefitsNoNoYes
Out of pocket costLeastModerateMost (Depending on Coverage Choices)
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Of course these aren’t the only life insurance policies one can purchase. Whether you’re looking for individual life insurance or insurance for your business, there are multiple options. Let’s take a closer look at some of these next.

Insurance Policies for Individuals

Assurity offers a variety of affordable life insurance policies to cover anything life throws your way. Below is a list of common life insurance policies you can buy from Assurity:

  • Disability income insurance
  • Critical illness insurance
  • Whole life insurance
  • Term life insurance
  • Universal life insurance
  • Accidental death insurance
  • Annuities

Whether you’re looking for complete coverage or short term insurance options, Assurity has you covered.

Insurance Policies and Products for Businesses

The Assurity Life Insurance company isn’t limited to just individuals. Purchasing life insurance will also provide much-needed assistance to businesses in times of need as well.

  • Term life
  • Whole life
  • Universal life
  • Accident expense
  • Critical illness
  • Hospital indemnity
  • Disability income

These policy options are offered for both large and small businesses.

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Why Small Businesses Also Need a Life Insurance Policy

Small business owners may not have life insurance on their radar, but there are good reasons they could benefit from an affordable life insurance policy. So, make sure to not overlook the importance of life insurance when managing your own small business. It might just save the day.

How much life insurance do I need?

If you’re looking for the best amount of life insurance, it depends on how much you earn and how long the term is that you’re interested in buying. One rule of thumb is to get coverage that is 10-12 times your annual income.

Of course, the 10-12 times your annual income rule is something that can be broken. Ultimately, you’ll know what amount works best for you, and it may just be a different amount.

About Assurity Life Insurance

Assurity Life Insurance is currently headquartered in Lincoln, Nebraska, and employs approximately 400 people. The company has over $2.6 billion in assets, a 632 percent risk-based capital ratio, as well as a year-end investment grade of 97 percent (which is much higher than the industry average).

Assurity Life Insurance began as a merger of three insurance companies in 2005. All three of the merged companies were formed in the 1890s. They were originally known as Woodmen Accident and Life, Security Financial Life, and Lincoln Direct Life.

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Ratings and Successes

Assurity Life Insurance has received high marks as a trusted, ethical, and financially successful insurance company. They currently serve approximately 420,000 satisfied customers nationwide.

It’s always wise to work with a quality company that has a proven track record for providing great products and services. The Better Business Bureau has given Assurity their highest rating, an A+ (Excellent).

The BBB is often the first place consumers look when researching the legitimacy of a company. Therefore, a great rating from the BBB is nothing to sneeze at.

Assurity also has received an A- (Excellent) rating from the A.M. Best Company, a leading independent evaluator of the insurance industry, for their financial strength and stability.

Free Life Insurance Comparison

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What discounts does Assurity Life Insurance offer?

Young applicant discount: Younger applicants in their 20s and 30s potentially can save large sums of money. Given that they have more life to live, it is in their best interest to consider purchasing life insurance sooner than later.

Non-tobacco user discount: Non-smokers usually receive cheaper premiums compared to regular tobacco smokers. Therefore, if you’re health-conscious and never smoke, you’ll likely receive life insurance at discounted rates.

Healthy family history discount: If your family has a long history of good health, you can potentially save as well. Just provide medical records or any other evidence regarding your family’s genetic and health history, then you’ll be on your way to pay affordable rates.

Healthy blood pressure discount: Those who take good care of their health and can prove they have healthy blood pressure can also save considerably with life insurance.

Safe hobbies discount: Daredevils make getting cheaper premiums easier for those of us who have safer lifestyles. As long as you can prove that you’re not a wild risk-taker, you may qualify for an affordable life insurance premium.

How to Get an Assurity Life Insurance Quote

Assurity provides policies for 49 of the United States. Easily fill out the form below and discover their insurance quotes. You can also contact an Assurity agent directly through their website. If you prefer to call, you can call its customer hotline at 800-869-0355 or its agent hotline at 800-276-7619.

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Is it easy to manage an Assurity Life Insurance account online?

Assurity Life Insurance accounts are also incredibly easy to access online. There are easy-to-use portals for:

  • Making payments
  • Setting up automatic bank payments
  • Requesting a loan or withdrawal
  • Getting a copy of your policy or certificate
  • Changing your beneficiaries
  • Changing your name or address
  • Making a disability income claim
  • Filing a critical illness claim
  • Making a death claim

Life insurance shouldn’t be confusing. Actually, buying life insurance coverage is quite easy. Better yet, it’s also very affordable and easy to find great life insurance rates in your area by simply entering your ZIP code below.

References:

  1. https://www.dnb.com/business-directory/company-profiles.assurity_life_insurance_company.f53b071edc86a676978dd1c16176cb7a.html