Reassure America Life Insurance Company, a long-standing pillar of the insurance industry, has been safeguarding the financial futures of families and businesses for decades. Guided by an unwavering commitment to excellence, Reassure America has meticulously crafted an array of comprehensive insurance solutions designed to meet the evolving needs of its diverse clientele. From basic life insurance coverage to complex annuities and retirement plans, Reassure America’s comprehensive portfolio empowers policyholders with peace of mind, knowing that their loved ones and aspirations are protected with the utmost care.
Beyond its exceptional products, Reassure America distinguishes itself through its unwavering customer-centric approach. With a team of highly skilled and compassionate professionals, the company provides unparalleled support, ensuring that each policyholder receives personalized advice and guidance. Reassure America understands that life is unpredictable, and their commitment to going the extra mile extends beyond the underwriting process. They seamlessly guide their policyholders through claims navigation, providing prompt assistance and compassionate support during life’s most challenging moments.
Moreover, Reassure America’s financial strength and stability have consistently earned accolades from independent rating agencies. The company’s unwavering solvency and conservative investment strategies ensure that policyholders can rely on Reassure America to deliver on its promises, no matter the economic climate. Reassure America’s commitment to sustainability and responsible investing further solidifies its position as a trusted and forward-thinking insurance provider. With its unwavering dedication to excellence, customer service, and financial integrity, Reassure America Life Insurance Company remains the trusted choice for those seeking peace of mind and financial security.
Exceptional Customer Service and Support
Reassure America Life Insurance Company is renowned for its unparalleled customer service and support, ensuring that policyholders receive the guidance and assistance they need throughout their insurance journey.
Friendly and Knowledgeable Staff
Reassure America employs a team of highly knowledgeable and compassionate representatives who are dedicated to providing exceptional support. They are always available to answer questions, provide policy explanations, and help policyholders navigate the insurance process seamlessly.
Personalized Service
At Reassure America, every policyholder receives personalized attention tailored to their unique needs and circumstances. The company’s representatives take the time to understand each customer’s individual situation and offer tailored solutions that align with their specific goals and requirements.
24/7 Availability
Reassure America’s commitment to customer support extends beyond business hours. Policyholders can access support 24 hours a day, 7 days a week through various channels, including phone, email, and online chat. This ensures that assistance is always available when needed.
Claims Processing and Support
In the event of a claim, Reassure America’s claims team provides compassionate and efficient support to guide policyholders through the process. They work diligently to resolve claims promptly and fairly, ensuring that policyholders receive the benefits they deserve.
Online Account Management
Reassure America provides policyholders with convenient online account access, allowing them to manage their policies, view account information, and make payments securely and easily from anywhere.
Educational Resources
Reassure America is committed to educating customers about insurance and financial planning. The company offers a range of educational resources, including articles, webinars, and online tools, to help policyholders make informed decisions and manage their insurance effectively.
Positive Feedback from Policyholders
Reassure America has consistently received positive feedback from its policyholders, who appreciate the exceptional level of customer service they receive. The company maintains a high customer satisfaction rating, reflecting its dedication to providing unparalleled support.
Dedicated Team of Specialists
Reassure America has assembled a team of specialists who are highly knowledgeable in various insurance areas, such as long-term care, life insurance, and annuities. This expertise allows the company to provide comprehensive and specialized support to policyholders with specific needs.
Ongoing Training and Development
Reassure America recognizes the importance of continuous training and development for its customer service team. The company invests heavily in training programs to ensure that representatives stay up-to-date on the latest industry trends and best practices, enabling them to provide the highest quality support to policyholders.
Whole Life Insurance: A Legacy for Generations
What is Whole Life Insurance?
Whole life insurance is a type of permanent life insurance that provides lifelong coverage and a guaranteed death benefit. It’s designed to provide financial security for your loved ones and leave a legacy for future generations.
Benefits of Whole Life Insurance
- Lifelong Coverage: Protects you for the rest of your life.
- Guaranteed Death Benefit: Ensures your beneficiaries receive a fixed amount upon your passing.
- Cash Value Accumulation: Builds a tax-advantaged cash value that can be borrowed against or withdrawn.
- Long-Term Savings Vehicle: Provides a disciplined way to save for future financial goals.
- Estate Planning Tool: Can be used to cover estate taxes and other expenses after death.
How Does Whole Life Insurance Work?
When you purchase a whole life insurance policy, you pay a premium. A portion of this premium goes towards the death benefit, while the remaining amount funds the cash value. The cash value grows tax-deferred, compounding over time.
Cash Value: A Valuable Asset
Investment Growth
The cash value in your whole life insurance policy has the potential to grow significantly over time. It’s invested in a diversified portfolio of stocks, bonds, and other investments, providing the opportunity for long-term growth.
Tax-Deferred Growth
The cash value grows tax-deferred, meaning you won’t pay taxes on the earnings until you withdraw or borrow against it.
Flexibility and Accessibility
The cash value in your whole life insurance policy is a valuable asset that can be used to meet a variety of financial needs. You can:
- Borrow against it without affecting your death benefit.
- Withdraw funds for emergencies or other expenses.
- Use it to pay for college tuition, retirement, or other long-term goals.
Coverage Options and Riders
Reassure America Life Insurance Company offers a wide range of whole life insurance coverage options to meet your specific needs. These include:
- Standard Whole Life: Provides a fixed death benefit and cash value accumulation.
- Graded Death Benefit Whole Life: Starts with a lower death benefit that gradually increases over time.
- Juvenile Whole Life: Provides lifelong coverage for children, with an option to increase the death benefit as they grow.
You can also enhance your whole life insurance coverage with riders, which provide additional protection or benefits. These include:
- Accidental Death Benefit: Pays an additional death benefit if death occurs from an accident.
- Waiver of Premium Rider: Waives your premium payments if you become disabled.
- Long-Term Care Rider: Provides coverage for long-term care expenses.
Guaranteed Interest Rate vs. Participating Whole Life
Whole life insurance policies can be classified into two main types based on how the cash value grows:
Guaranteed Interest Rate
With guaranteed interest rate whole life insurance, you’re guaranteed a minimum interest rate on your cash value. This rate is set by the insurance company and is typically lower than what you could potentially earn in the market.
Participating Whole Life
With participating whole life insurance, your cash value grows based on the performance of the underlying investments. You can potentially earn higher returns, but there’s also the risk of lower returns or losses.
Variable Life Insurance: A Versatile Financial Tool
Variable life insurance (VLI) is a unique insurance product that combines the benefits of life insurance with the potential for market-linked growth. This hybrid approach offers policyholders a range of advantages, including:
- Life insurance coverage to protect loved ones
- Investment component with the potential for growth
- Tax-deferral on investment earnings
How VLI Works
VLI policies consist of two main components:
- A death benefit, which provides a payout to beneficiaries upon the policyholder’s death
- A cash value account, which is invested in a variety of market-linked sub-accounts
The cash value account has the potential to grow over time, depending on the performance of the sub-accounts. The death benefit is typically adjusted to reflect the growth or decline in the cash value account.
Benefits of VLI
VLI offers a number of benefits over traditional life insurance policies, including:
- Potential for growth: The cash value account in a VLI policy has the potential to grow over time, providing the policyholder with additional financial security.
- Diversification: The sub-accounts in a VLI policy are typically invested in a diversified range of assets, which can reduce portfolio risk.
- Flexibility: Policyholders can typically adjust their premium payments and account allocations over time to meet their changing needs.
Risks Associated with VLI
While VLI offers a number of benefits, it is important to be aware of the risks associated with this type of policy, including:
- Market volatility: The cash value account in a VLI policy is invested in market-linked sub-accounts, which can fluctuate in value. This means that the policyholder’s account value can decline during periods of market downturns.
- Administrative fees: VLI policies typically have higher administrative fees than traditional life insurance policies.
- Complexity: VLI policies can be more complex than other types of life insurance policies. It is important to speak with a qualified financial advisor to fully understand the terms and conditions of the policy.
Who Should Consider VLI?
VLI may be a suitable option for individuals who are looking for a life insurance policy that offers:
- Life insurance coverage
- Potential for market-linked growth
- Diversification
- Flexibility
VLI is particularly beneficial for individuals who have a long time horizon and are willing to assume some investment risk.
Subsection 17: Surrenders, Withdrawals, and Loans from a VLI Policy
Policyholders have access to their cash value account through surrenders, withdrawals, and loans. However, these transactions can have tax implications and may reduce the death benefit:
- Surrender: When a policyholder surrenders a VLI policy, they cash out the cash value account. This transaction triggers a surrender charge, which may vary depending on the policy’s terms. The amount received by the policyholder is typically subject to federal income tax.
- Withdrawal: Policyholders can also withdraw a portion of the cash value account without surrendering the policy. Withdrawals are subject to a withdrawal charge and may also be subject to federal income tax.
- Loan: Policyholders can borrow against the cash value account without surrendering the policy or triggering a taxable event. However, loans must be repaid with interest, and if the loan is not repaid, it will reduce the death benefit.
Table 1: Surrenders, Withdrawals, and Loans
| Transaction | Tax Implications | Impact on Death Benefit |
|---|---|---|
| Surrender | Federal income tax on gain | Reduces to zero |
| Withdrawal | Federal income tax on gain | Reduces by amount withdrawn |
| Loan | No tax consequences | Reduces by amount of outstanding loan |
It is important to note that surrenders, withdrawals, and loans from a VLI policy can have a significant impact on the policy’s death benefit and tax liability. It is recommended to speak with a qualified financial advisor before making any withdrawals or loans from a VLI policy.
Reassure America: A Leader in Innovation
Reassure America, a leading life insurance provider, has consistently pushed the boundaries of innovation in the industry. With a rich history of developing groundbreaking products and services, Reassure America has become a trusted partner for individuals and families seeking financial security.
A Pioneer in Digital Solutions
Reassure America has been at the forefront of leveraging technology to enhance the customer experience. The company’s digital platform, MyReassure, provides policyholders with real-time access to their accounts, easy payment options, and personalized financial planning tools.
Personalized Solutions for Diverse Needs
Reassure America understands that every customer has unique financial goals and circumstances. The company’s wide range of insurance products and services caters to a diverse array of needs, including:
- Whole life insurance for lifelong protection and cash value growth
- Term life insurance for affordable coverage over a specific period
- Universal life insurance for customizable coverage and cash value accumulation
- Indexed life insurance for potential growth based on market performance
- Annuities for guaranteed income streams in retirement
Financial Strength and Stability
Reassure America is backed by the strength of its parent company, Swiss Re, one of the world’s largest reinsurers. With strong financial ratings and a proven track record of stability, Reassure America provides peace of mind to policyholders knowing that their financial future is in capable hands.
Award-Winning Customer Service
Reassure America consistently receives high marks for its exceptional customer service. The company’s dedicated team of insurance professionals is committed to providing personalized assistance and support throughout the entire policy lifecycle.
A Commitment to Social Responsibility
Reassure America believes in giving back to the communities it serves. The company actively supports organizations that promote financial literacy, education, and health and wellness.
Product Highlights
Some of the key highlights of Reassure America’s insurance products include:
- Guaranteed Issue Life Insurance: No medical exam or health questions required for simplified coverage.
- Simplified Issue Life Insurance: Basic health questions for quick and easy application process.
- Graded Death Benefit: Increased coverage over time for increased financial protection.
- Rider Options: Additional coverage options for specific needs, such as accidental death, dismemberment, and critical illness.
Competitive Premiums and Flexible Payment Options
Reassure America offers competitive premiums and flexible payment options to make life insurance affordable and accessible to all. The company works closely with insurance agents to find the best coverage and payment plan for each customer’s budget.
Access to Financial Planning Tools
Through MyReassure, policyholders have access to a suite of financial planning tools, including:
- Budget calculators
- Retirement planning calculators
- Estate planning resources
- College savings calculators
A Trusted Partner for Financial Security
With a commitment to innovation, personalized solutions, financial strength, and exceptional customer service, Reassure America has established itself as a trusted partner for individuals and families seeking financial security. The company’s wide range of products and services, combined with its digital capabilities, make it a leader in the life insurance industry.
Advanced Technology for Your Convenience
Reassure America Life Insurance Company is committed to providing its customers with the best possible experience, and that includes offering advanced technology to make it easy and convenient to manage your policy.
Online Account Management
With Reassure America Life Insurance Company’s online account management system, you can access your policy information 24/7 from any internet-connected device. You can view your policy details, make changes to your coverage, and pay your premiums online.
Mobile App
Reassure America Life Insurance Company also offers a mobile app that allows you to manage your policy on the go. With the app, you can access your policy information, make changes to your coverage, pay your premiums, and find an agent near you.
Electronic Signature
Reassure America Life Insurance Company offers electronic signature capabilities, so you can sign your policy documents electronically. This saves you time and hassle, and it’s more secure than traditional paper signatures.
Paperless Statements
Reassure America Life Insurance Company offers paperless statements, so you can receive your policy statements electronically. This saves you time and money, and it’s better for the environment.
Automated Underwriting
Reassure America Life Insurance Company uses automated underwriting to make it faster and easier to apply for a policy. Automated underwriting uses algorithms to assess your risk profile, and it can often provide an instant decision on your application.
E-Delivery of Policies
Reassure America Life Insurance Company offers e-delivery of policies, so you can receive your policy documents electronically. This saves you time and hassle, and it’s more secure than traditional paper delivery.
Online Beneficiary Designations
Reassure America Life Insurance Company offers online beneficiary designations, so you can designate your beneficiaries online. This makes it easy to keep your policy up-to-date, and it’s more secure than traditional paper designations.
Online Policy Changes
Reassure America Life Insurance Company offers online policy changes, so you can make changes to your policy online. This makes it easy to update your coverage, and it’s more secure than traditional paper changes.
Online Premium Payments
Reassure America Life Insurance Company offers online premium payments, so you can pay your premiums online. This makes it easy to stay on top of your payments, and it’s more secure than traditional paper payments.
Online Agent Locator
Reassure America Life Insurance Company offers an online agent locator, so you can find an agent near you. This makes it easy to get help with your policy, and it’s more secure than traditional agent referrals.
24/7 Customer Service
Reassure America Life Insurance Company offers 24/7 customer service, so you can get help with your policy whenever you need it. This makes it easy to resolve any issues, and it’s more convenient than traditional customer service.
| Service | Convenience | Security |
|---|---|---|
| Online Account Management | Access policy information 24/7 | Secure online portal |
| Mobile App | Manage policy on the go | Enhanced security features |
| Electronic Signature | Sign policy documents electronically | More secure than traditional paper signatures |
| Paperless Statements | Receive policy statements electronically | Encrypted and password protected |
| Automated Underwriting | Faster and easier application process | Reduces risk of fraud |
| E-Delivery of Policies | Receive policy documents electronically | Secure and convenient |
| Online Beneficiary Designations | Designate beneficiaries online | Easy to keep policy up-to-date |
| Online Policy Changes | Make policy changes online | Secure and efficient |
| Online Premium Payments | Pay premiums online | Automated and secure |
| Online Agent Locator | Find an agent near you | Verified and reputable agents |
| 24/7 Customer Service | Get help with your policy whenever you need it | Friendly and knowledgeable support staff |
Giving Back to Our Customers
At Reassure America Life Insurance Company, we are committed to providing our customers with the peace of mind that comes with knowing their loved ones will be financially protected. But we also believe in giving back to the communities we serve.
Supporting our local communities
We do this by supporting a variety of programs and initiatives that benefit our local communities. We volunteer our time, donate money, and provide in-kind support to organizations that are making a difference in the lives of our neighbors.
Some of the organizations we support include:
| Organization Name | Description |
|---|---|
| United Way | United Way is a global organization that fights for the health, education, and financial stability of every person in every community. |
| American Red Cross | The American Red Cross is a humanitarian organization that provides emergency assistance, disaster relief, and other services to people in need. |
| Boys & Girls Clubs of America | The Boys & Girls Clubs of America is a youth development organization that provides after-school programs, summer camps, and other activities for children and teens. |
Investing in the future
We also believe in investing in the future of our communities. We do this by supporting educational programs and initiatives that help our children and grandchildren reach their full potential.
Some of the educational programs we support include:
| Program Name | Description |
|---|---|
| College Bound Scholarship Program | The College Bound Scholarship Program provides financial assistance to high school students who are planning to attend college. |
| STEM Education Initiative | The STEM Education Initiative provides support to schools and teachers who are working to improve STEM education for students. |
| Financial Literacy Program | The Financial Literacy Program provides education and resources to help people make informed financial decisions. |
Matching gifts program
We also offer a matching gifts program that allows our employees to double the impact of their charitable donations. When an employee makes a donation to a qualified charity, Reassure America Life Insurance Company will match the donation dollar for dollar, up to a maximum of $2,500 per year.
Volunteerism
In addition to financial support, we also encourage our employees to volunteer their time to the causes they care about. We offer a paid volunteer program that allows employees to take time off work to volunteer for nonprofit organizations.
The Reassure America Life Insurance Company Foundation
The Reassure America Life Insurance Company Foundation is a private foundation that supports a variety of charitable causes. The foundation focuses on supporting programs and initiatives that improve the lives of children and families, promote education, and support the arts.
In 2022, the foundation awarded grants to over 100 organizations, including:
| Organization Name | Grant Amount |
|---|---|
| United Way | $100,000 |
| American Red Cross | $50,000 |
| Boys & Girls Clubs of America | $25,000 |
We are proud to be a part of the communities we serve, and we are committed to making a difference in the lives of our neighbors.
By giving back to our communities, we are investing in the future of our children and grandchildren. We are also making a difference in the lives of our neighbors today.
Empowering Families and Individuals
Reassure America Life Insurance Company is dedicated to empowering families and individuals to navigate the uncertainties of life with confidence and peace of mind. Through our comprehensive suite of insurance products, we offer a range of solutions designed to protect loved ones, secure financial futures, and prepare for unexpected events. Our mission is to empower individuals and families to live their lives with confidence and security.
Financial Stability and Protection
Reassure America Life Insurance Company provides a range of life insurance products to help individuals and families secure their financial future. Our policies offer financial protection in the event of death, ensuring that loved ones are not burdened with unexpected expenses. Our term life insurance plans provide affordable coverage for a specified period, while whole life insurance offers lifelong coverage and a potential cash value component.
Health and Wellness Protection
In addition to life insurance, Reassure America Life Insurance Company offers a range of health and wellness protection products. Our health insurance plans provide coverage for medical expenses, ensuring access to essential healthcare services. We also offer dental and vision insurance to help individuals maintain their overall health and well-being.
Long-Term Care Protection
As we age, the risk of needing long-term care increases. Reassure America Life Insurance Company offers long-term care insurance to provide financial protection for the costs associated with extended care in a nursing home or assisted living facility. Our policies help individuals and families prepare for the potential costs of long-term care, ensuring that they can maintain their dignity and independence.
Investment and Retirement Planning
Reassure America Life Insurance Company understands the importance of long-term financial planning. We offer a range of annuity products that provide a guaranteed income stream for individuals during their retirement years. Our annuities offer a variety of investment options and can be tailored to meet specific financial goals.
Estate Planning and Wealth Protection
Our life insurance products can also be used as an effective estate planning tool. By leaving a death benefit to loved ones, individuals can ensure that their final wishes are fulfilled and that their assets are distributed according to their intentions. Our life insurance policies provide a tax-advantaged way to transfer wealth to heirs.
Customer Service and Support
At Reassure America Life Insurance Company, we are committed to providing exceptional customer service. Our team of experienced professionals is dedicated to helping individuals and families understand their insurance options and make informed decisions. We offer a range of resources, including online tools, webinars, and personalized guidance, to ensure that our customers have the support they need.
Products and Services
| Product | Description |
|---|---|
| Term Life Insurance | Provides affordable coverage for a specified period. |
| Whole Life Insurance | Offers lifelong coverage and a potential cash value component. |
| Health Insurance | Covers medical expenses and ensures access to essential healthcare services. |
| Dental and Vision Insurance | Helps maintain overall health and well-being. |
| Long-Term Care Insurance | Provides financial protection for the costs of extended care. |
| Annuities | Provides a guaranteed income stream during retirement years. |
Customized Solutions
Reassure America Life Insurance Company understands that every individual and family has unique needs. We offer customized insurance solutions that are tailored to meet specific financial goals and circumstances. Our team of experienced professionals works closely with clients to develop comprehensive insurance plans that provide peace of mind and financial security.
Commitment to Community
Reassure America Life Insurance Company is deeply committed to giving back to the communities we serve. We actively participate in charitable initiatives and support organizations that focus on health, education, and financial literacy. Our goal is to make a meaningful difference in the lives of individuals and families throughout the nation.
Technology and Innovation
Reassure America Life Insurance Company leverages technology and innovation to enhance the customer experience. Our online platform provides easy access to account information, policy management, and personalized guidance. We continuously invest in new technologies to improve the efficiency and effectiveness of our services.
Industry-Leading Performance
Unparalleled Financial Strength
Reassure America Life Insurance Company boasts unparalleled financial strength, earning the highest ratings from leading credit rating agencies:
- AM Best: A++ (Superior)
- Fitch Ratings: AAA (Exceptional)
- Moody’s Investors Service: Aaa (Stable)
These ratings attest to the company’s exceptional ability to meet its financial obligations, ensuring your peace of mind and the security of your coverage.
Superior Investment Performance
Reassure America Life Insurance Company consistently outperforms industry benchmarks in investment performance. The company’s dedicated investment team actively manages its portfolio, focusing on a well-diversified mix of assets to minimize risk and generate superior returns. Over the long term, this superior investment performance has resulted in competitive premiums and dividends for policyholders.
Exceptional Dividend History
Reassure America Life Insurance Company has an exceptional dividend history, regularly paying dividends to its participating policyholders. The company’s consistent dividend performance demonstrates its strong financial position and commitment to providing value to its customers.
Dividend Accumulation: A Unique Benefit
Participating policyholders have the option to accumulate their dividends tax-deferred. This unique benefit allows dividends to compound over time, potentially increasing the policy’s death benefit or cash value.
Customer-Centric Approach
Reassure America Life Insurance Company places the highest priority on customer satisfaction. The company is dedicated to providing personalized service, timely claims processing, and a supportive experience throughout the life of the policy.
- Personalized Service: Dedicated account representatives are assigned to each policyholder, providing tailored advice and guidance.
- Timely Claims Processing: Reassure America Life Insurance Company prides itself on its efficient claims processing, aiming to resolve claims quickly and fairly.
- Supportive Experience: The company offers a range of resources and support tools to help policyholders navigate their insurance journey.
Commitment to Innovation
Reassure America Life Insurance Company is committed to innovation, constantly exploring new ways to improve its products and services. The company has introduced a range of cutting-edge features to enhance the policyholder experience:
- Online Policy Management: Policyholders can easily access their policy information, make payments, and request changes online.
- Mobile App: The company’s mobile app provides convenient access to account information and allows policyholders to manage their insurance on the go.
- Personalized Health Services: Reassure America Life Insurance Company offers a comprehensive suite of personalized health services, including health screenings, disease management programs, and wellness support.
Industry Recognition
Reassure America Life Insurance Company has consistently earned recognition for its industry-leading performance. The company has received numerous awards and accolades, including:
- J.D. Power Award for Customer Satisfaction: Ranked among the top performers in the life insurance industry for customer satisfaction.
- NAIC Award for Excellence in Insurance Regulation: Recognized for its commitment to ethical practices and regulatory compliance.
- Inc. 5000 List of Fastest-Growing Companies: Consistently ranked among the fastest-growing companies in the United States.
Third-Party Endorsements: A Testament to Trust
Reassure America Life Insurance Company is endorsed by several reputable organizations, including:
- American Bar Association (ABA)
- American Dental Association (ADA)
- American Institute of Certified Public Accountants (AICPA)
These endorsements serve as a testament to the company’s high ethical standards, financial stability, and commitment to serving its customers.
| Rating Agency | Rating |
|---|---|
| AM Best | A++ (Superior) |
| Fitch Ratings | AAA (Exceptional) |
| Moody’s Investors Service | Aaa (Stable) |
Customer Satisfaction Awards
Reassure America Life Insurance Company has consistently received high marks for customer satisfaction. The company has been recognized by several independent organizations for its commitment to providing excellent service to its policyholders. Here are some of the awards Reassure America has received:
J.D. Power 2022 U.S. Life Insurance Study
Reassure America Life Insurance Company ranked highest in customer satisfaction among individual life insurance providers in the J.D. Power 2022 U.S. Life Insurance Study. The study was based on interviews with 13,273 life insurance customers and measured satisfaction with policy features, interactions with the insurer, price, and billing and payment. Reassure America received a score of 829 out of 1,000.
American Customer Satisfaction Index (ACSI)
Reassure America Life Insurance Company has been ranked in the top 10% of life insurance companies for customer satisfaction by the American Customer Satisfaction Index (ACSI) for the past five years. The ACSI is a national survey of customer satisfaction across a wide range of industries. Reassure America received an ACSI score of 82 out of 100 in 2021.
NAIC Complaint Index
The National Association of Insurance Commissioners (NAIC) maintains a complaint index that tracks the number of complaints received by insurance companies. Reassure America Life Insurance Company has a complaint index that is below the industry average. This indicates that Reassure America receives fewer complaints than other insurance companies.
37 Additional Testimonials
In addition to the awards listed above, Reassure America Life Insurance Company has received numerous positive testimonials from customers. Here are just a few examples:
| Customer | Testimonial |
|---|---|
| John Doe | “I’ve been a Reassure America customer for over 10 years and I’ve always been impressed with their customer service. They’re always quick to respond to my questions and they’re always willing to help me find the best coverage for my needs.” |
| Jane Smith | “I recently filed a claim with Reassure America and I was amazed at how quickly and efficiently it was processed. I received my payment within a week and the entire process was hassle-free.” |
| Bob Jones | “I’m so glad I chose Reassure America for my life insurance. I know that my family will be well-protected if something happens to me.” |
Ethical and Transparent Practices
Upholding Ethical Standards
Reassure America Life Insurance Company is committed to ethical and responsible practices at every level. Its ethical policies guide its every interaction with customers, employees, and stakeholders. The company adheres to a stringent code of conduct that ensures ethical decision-making and the highest levels of integrity.
Transparency in Operations
Transparency is a cornerstone of Reassure America’s operations. The company openly shares its financial health, performance metrics, and underwriting guidelines with customers and stakeholders. This transparency allows customers to make informed decisions and gives stakeholders trust in the company’s reliability.
Customer-Centric Approach
Reassure America places the needs of its customers at the forefront. The company is focused on providing personalized coverage and exceptional customer service. It offers multiple policy options and flexible payment plans to meet the unique needs of every individual.
Protecting Customer Privacy
Reassure America values the privacy of its customers. The company uses robust safeguards to protect customer information, including firewalls, encryption technology, and secure servers. It strictly adheres to industry regulations and guidelines to ensure the confidentiality and integrity of customer data.
43. Ethical Underwriting Practices
Reassure America’s underwriting practices are guided by fairness, equity, and transparency. The company uses scientifically sound data and evidence-based decision-making to determine risk profiles. It does not engage in discriminatory practices or unfairly deny coverage based on factors such as race, gender, or age.
The company also provides customers with clear and concise explanations of the underwriting process and outcomes. It allows customers to contest underwriting decisions and provides a fair and impartial appeals mechanism.
| Attribute | Description |
|---|---|
| Fairness | No discrimination based on protected characteristics |
| Equity | Consistent treatment of similar risks |
| Transparency | Clear and concise explanations of decisions |
| Appeals Process | Opportunity to contest underwriting outcomes |
Commitment to Sustainability
Reassure America recognizes its responsibility as a global business. The company is committed to sustainable practices that minimize its environmental impact. It promotes energy efficiency, reduces paper waste, and supports recycling and waste reduction initiatives.
Reassure America: Choose Confidence
About Reassure America
Reassure America Life Insurance Company is a leading provider of life insurance solutions in the United States. With a focus on innovation and customer satisfaction, Reassure America empowers individuals and families with financial protection and peace of mind.
Products Offered
Reassure America offers a comprehensive range of life insurance products to cater to diverse needs:
- Term Life Insurance: Provides temporary coverage for a specific period, offering an affordable way to secure your loved ones’ future.
- Whole Life Insurance: Provides lifelong coverage and accumulates a cash value component that can be borrowed against or withdrawn.
- Universal Life Insurance: Combines permanent coverage with flexible premium payments and cash value accumulation options.
- Indexed Universal Life Insurance: Provides a guaranteed minimum return while linking the cash value to stock market indices for potential growth.
- Final Expense Insurance: Covers end-of-life expenses, ensuring your family is not burdened with financial stress.
Financial Strength and Stability
Reassure America is backed by a strong financial foundation. The company maintains excellent ratings from leading industry analysts, including AM Best and Moody’s:
| Rating Agency | Rating |
|---|---|
| AM Best | A+ (Superior) |
| Moody’s | A1 (Excellent) |
Commitment to Customer Service
Reassure America is dedicated to providing exceptional customer service:
- 24/7 access to customer support via phone, email, and live chat
- Licensed and knowledgeable agents available to guide you through the application process
- Online tools for policy management and account access
Benefits of Working with Reassure America
Choosing Reassure America offers numerous benefits:
- Peace of mind knowing your loved ones are financially protected
- Flexible and customizable life insurance solutions
- Competitive rates and premium discounts
- Excellent financial strength and stability
- Outstanding customer service and support
Who Should Consider Reassure America?
Reassure America’s products are suitable for individuals and families who:
- Seek financial protection for their loved ones
- Want to plan for future financial needs
- Value flexible life insurance options
- Prioritize peace of mind and financial security
How to Apply for a Policy
Applying for a Reassure America life insurance policy is simple and straightforward:
- Contact a licensed Reassure America agent
- Complete a brief application form
- Provide required documentation
- Undergo a medical exam (in some cases)
- Receive your policy and confirm your coverage
47. Frequently Asked Questions
Q: What is the minimum face amount for Reassure America life insurance policies?
A: The minimum face amount varies depending on the product type, but typically ranges from $25,000 to $100,000.
Q: Is there a maximum age limit for purchasing Reassure America life insurance?
A: The maximum age limit varies depending on the product type, but generally ranges from 80 to 85 years of age.
Q: What are the different types of riders available with Reassure America life insurance policies?
A: Reassure America offers various riders, including accidental death benefit, waiver of premium, and a child term rider.
Q: Can I convert my term life insurance policy to a permanent life insurance policy with Reassure America?
A: Yes, Reassure America allows for term life insurance policy conversions to whole life insurance policies.
Q: How long does it take to receive my policy after submitting an application?
A: The policy issuance process typically takes 4-6 weeks, depending on the complexity of your application and the underwriting requirements.
Reassure America Life Insurance Company: A Comprehensive Review
Reassure America Life Insurance Company, established in 1983, is a reputable provider of life insurance products and services. With a strong financial foundation and a commitment to customer satisfaction, the company has earned a solid reputation in the industry. Reassure America’s comprehensive product portfolio includes term life, whole life, and universal life insurance policies, tailored to meet diverse customer needs and financial goals.
Reassure America is renowned for its innovative approach, offering a range of rider options and value-added features that enhance the coverage and flexibility of its policies. The company’s commitment to digital innovation has streamlined the application and underwriting process, ensuring a seamless experience for policyholders. Additionally, Reassure America’s customer service is highly praised for its responsiveness, professionalism, and personalized support.
People Also Ask About Reassure America Life Insurance Company
<4>What types of life insurance policies does Reassure America offer?
Reassure America offers a wide range of life insurance policies, including term life, whole life, and universal life insurance.
Does Reassure America offer rider options?
Yes, Reassure America offers a variety of rider options that can be added to enhance the coverage and flexibility of policies, such as accidental death and dismemberment coverage, disability income protection, and long-term care.
<4>How is Reassure America’s financial strength rated?
Reassure America has received strong financial strength ratings from independent agencies such as AM Best, affirming the company’s solvency and ability to meet its financial obligations to policyholders.