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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Mar 31, 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.

The Facts of Life

  • Freedom Life Insurance only sells term life insurance policies.
  • Term life insurance from Freedom can be renewed until members are 70.
  • Life insurance rates with Freedom can be as little as $10 per month. 

If you’re researching life insurance quotes, you already know term life insurance basics are life insurance 101. Freedom Life happens to specialize in this affordable life insurance option. 

In this Freedom Life Insurance review, you can learn more about its network and parent company USHealth Group. USHealth provides a variety of coverages, including health, dental, and vision. Through Freedom Life, it determines term life insurance quotes.

Freedom Life doesn’t offer any other types of life insurance, but it does give accident, medical, and dental coverage.

Looking to buy life insurance from local companies? Enter your ZIP code to start comparing life insurance quotes today.

What plans does Freedom Life Insurance offer?

Freedom Life Insurance only sells term life insurance. This is an affordable life insurance option for those who may want renewable coverage with a manageable pricing structure.

As a child company of a health provider, Freedom Life could be useful to those who want to bundle their coverage types under one umbrella. Health, dental, vision, or accident coverage can all be purchased through Freedom’s parent company, USHealth Group.

Those interested in pursuing Freedom Life Insurance should know that term life insurance policies are more affordable than whole life insurance.

Term life insurance offers no cash value to the policyholder until they die. To put it simply, your policy’s value is inaccessible until the terms of the policy are fulfilled.

Generally, buyers of term life policies only need the payout for their beneficiaries up until a certain point. Therefore, it’s common for members to not renew a term life insurance policy after their children have reached a certain age or level of independence.

What kind of insurance is Freedom Life?

The only life insurance policy that Freedom Life offers is called LifeProtector Term Life. These plans can be renewed every 10 years.

The LifeProtector plan is a term life insurance policy that offers a pre-set death benefit for a set period of time and has level premiums. The plan has a 10-year term and is renewable up to age 70.

If you die during your term period, your beneficiaries will receive the death benefit from your policy in a lump sum. But, if you die outside the 10-year term period, your beneficiaries will receive no benefit.

Freedom Life Insurance does not allow any riders. A rider is an add-on to your policy, little perks to expand your coverage. These are fairly common and help customize your term life insurance to fit your needs.

Though Freedom Life Insurnance is a basic term-period company, it does have affordable life insurance. Keep reading to learn more.

What is the average price of Freedom Life Insurance?

These policies will pay out benefits upon the death of the insured, but what does this look like for you monthly?

Check out the table below to get an idea of the average cost you’ll pay for term life insurance. This table reflects what the average non-smoker might pay each month.

Average Monthly Term Life Insurance Rates for Non-Smokers
Age
$100,000/10-year Average Monthly Rates
$100,000/20-year Average Monthly Rates
$100,000/30-year Average Monthly Rates
Non-Smoker
Male
Female
Male
Female
Male
Female
25$8.27$7.57$10.03$9.06$13.29$12.41
30$8.27$7.57$10.12$9.24$14.08$12.94
35$8.27$7.57$10.12$9.42$15.31$13.11
40$9.86$9.15$12.50$11.18$19.45$15.84
45$13.38$12.50$17.95$14.96$28.51$21.91
50$17.78$15.40$27.19$20.50$48.58$32.12
55$22.53$18.83$38.37$28.60$83.60$57.99
60$37.14$25.61$68.64$46.11NANA
65$59.93$37.93$113.61$72.07NANA
Get Your Rates Quote Now
Compare RatesStart Now →

Freedom Life Insurance monthly premiums range between $10 and $50 per month, growing in $5 increments.

Freedom Life Insurance allows customizable coverage for each premium amount, which is one reason policyholders like it. Learn more about what others think about Freedom Life.

Enter your ZIP code below to compare cheap life insurance rates.

 Secured with SHA-256 Encryption

Complaints and Reviews 

The industry standard complaint ratio is 1.0. A ratio below 1.0 is considered better than average, and indicates the company received fewer complaints than expected. 

In 2019, Freedom Life’s complaint ratio was 0.83, slightly better than the national complaint index.

Third-Party Ratings

Freedom Life Insurance and its parent company, US Health Group, are not rated by J.D. Power. However, USHealth has an A+ from BBB.

Freedom Life Insurance has an A- rating from A.M. Best, which suggests it’s financially secure. Freedom Life is the best-rated company of the USHealth subsidiaries.

Below, read or leave a comment about Freedom Life Insurance.

Keep Shopping 

Freedom Life Insurance may be the right option for you if you’re looking for a 10-year term life insurance policy. However, this is a pretty limited policy, and it doesn’t offer much flexibility to both the policyholder and their beneficiaries. 

Although Freedom Life Insurance is not a highly rated company, it did issue more than $5 billion in new life insurance policies in recent years. This is promising, as it shows it is gaining the trust of the public. 

If you want to compare Freedom Life Insurance policies with others in your area, find affordable life insurance rates by entering your ZIP code now. 

Enter your ZIP code below to compare cheap life insurance rates.

 Secured with SHA-256 Encryption

Frequently Asked Questions: Freedom Life Insurance Review 2021

Below we will cover some common questions about Freedom Life Insurance.

#1 – What is Freedom Life Insurance Company of America?

Freedom Life Insurance Company of America is one of three subsidiaries of USHealth Group. The other two are the National Foundation Life Insurance Company and Enterprise Life Insurance Company.

US Health Group’s main offices are located in Fort Worth, Texas. 

#2 – Is US Health Advisors a pyramid scheme?

The company is not a pyramid scheme nor scam, however, Glassdoor reviews warn people to stay away. 

#3 – How do I cancel my US health insurance?

You can call 800-387-9027 to cancel your policy, or you can just quit paying. 

#4 – How do I contact customer service?

Freedom Life Insurance has limited online customer resources, though there is an email of the parent company and phone number.

To contact customer support, you can email [email protected] or call 800-387-9027. However, the availability of its representatives is limited. Customer service is only available Monday to Friday from 7:00 a.m. to 7:00 p.m. CST, and on Saturday from 8:00 a.m. until 1:00 p.m. CST.