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: Mar 30, 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: 4135 North Front Street
City: Harrisburg
State: Pennsylvania
ZIP Code: 17110
Phone Number: 800.692.7307
Year Founded: 1920
AM Best Rating: N/A
Company Rating 0 (0 reviews)

Crump life insurance is not sold directly by Crump. This company is a wholesale life insurance seller that partners with hundreds of life insurance carriers around the country to provide customers with the best life insurance products and costs.

Whether you are looking for term life insurance, whole life insurance, or any of the many different life insurance products available on the open market, you can buy a quality life insurance policy through Crump.

Crump was founded back in 1920 in Memphis, Tenn., by Edward Hull Crump. The company quickly became the largest insurance provider in the south. After 100 years of business, Crump is now the largest wholesale insurance provider in the United States.

Crump life insurance policies are not the only thing you can buy either. The company also offers consumers access to a variety of other services and plans, including disability income, annuities, long-term care, and specialty markets.

Crump is best known for the whole life, universal life, indexed universal life, and variable universal life insurance policies that it helps broker for its clients through its carrier partners.

Let’s take a closer look at these policies so that you can understand them in more detail.

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What insurance products are offered by Crump?

You can buy just about any life insurance policy you want through one of Crump’s carrier partners, but Crump’s biggest business is done through its whole life insurance and universal life insurance policies.

Crump works with you to help you find, compare, and ultimately buy whole life, universal life, indexed universal life, or variable universal life insurance policies through one of its carriers.

Life Insurance Features Summary
Life Insurance FeaturesTerm Life InsuranceWhole Life InsuranceUniversal Life InsuranceVariable Universal Life Insurance
Builds Cash Value Over Time
Cheap Life Insurance Options
Flexible Death Benefit Amount
Flexible Life Insurance Rate Payments
Guaranteed Cash Value
Has death benefits
Has living benefits
Linking Cash Value to Other Investments
You can choose policy length
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Crump’s advisors help you understand the ins and outs of each type of insurance policy. They work with you to understand your needs and the type of life insurance policy that will be the best fit for you and your family.

Ultimately, Crump works with its carrier partners and you to help you find the best deal financially and the best life insurance policy for your needs.

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What is whole life insurance?

Whole life insurance is a type of permanent insurance policy that lasts until you die. This is different from a term life insurance policy, which only lasts until the end of a set term. Whole life insurance policies also have a cash value component.

Over time, whole life insurance policies get more and more valuable as you pay your life insurance premiums. This cash value can be borrowed tax-free, but unless the debt is repaid, your death benefit will be reduced accordingly.

What is universal life insurance?

Universal life insurance is very similar to whole life insurance, but there is a change when it comes to the cash value of the life insurance policy.

Universal life insurance policies allow not only for the investment of the cash savings component of the policy, but with universal life insurance policies you can also adjust the rates of your premiums.

Universal life insurance policies offer consumers more flexibility when it comes to their money and their life insurance policy. If you’d like to learn more about permanent life insurance policies, the Insurance Information Institute has a good resource that you can explore.

What is the difference between indexed and variable universal life insurance policies?

As you already know, universal life insurance policies allow consumers to invest their cash value. These two unique types of universal life insurance differ in the way that your cash value is invested.

In an indexed universal life policy, your cash value is put into an account that earns interest based on the performance of a market index, but this cash value is not directly tied to the performance of the market, so dips in performance won’t cause losses.

These policies generally have a set interest rate minimum in the event that the index underperforms.

Variable universal life policies are invested directly into the market. This allows for greater growth and greater losses.

Generally, providers will put a floor on the losses you can sustain and a ceiling on the earnings you can make, but there is a lot more risk involved with these life insurance policies.

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What does Crump do for consumers looking for life insurance?

Now that you have a basic understanding of the types of life insurance policies most popular with Crump, you can get a better idea of what Crump actually does.

This company helps consumers navigate the complexities of whole life and universal life insurance policies. Crump advisors help partner interested consumers with insurance carriers and the right life insurance policy.

Crump helps advise consumers in financial matters regarding their policies as well as the coverages that they are going to need in the event of their death.

Crump also offers consumers a wide array of educational materials, product portfolios, and more so that they can take full control of their financial future and their life insurance needs.

Crump also provides the most relevant and timely information for your unique situation so that you don’t have to go on a research expedition if you don’t want to.

Crump Life Insurance: The Bottom Line

Crump is not a traditional life insurance company that sells policies directly to consumers. Crump is a wholesaler that helps connect consumers with life insurance providers.

Crump helps consumers wade through the complexities and multitude of different life insurance choices with its advisors and online resources. Crump’s advisors help connect you with the top insurance carriers in your area.

Crump has a carrier network that includes more than 200 life insurance providers. It works with them to get you the best rates and the best life insurance policies for your needs.

Ready to start comparing life insurance quotes in your area? Enter your ZIP code below to find affordable life insurance from the top companies in your area.