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Freedom Life Insurance Review

Possibly, Freedom Life Insurance features will increase the value of each policy. In addition to accidental death and dismemberment coverage, this company offers an extra medical expenditure benefit in the form of a policy. The company’s term life options may help policyholders who only need life insurance for a short period of time. Check out our Freedom Life Insurance Review to learn more about the company.

On the other hand, if you’re seeking a standard insurance policy, this company will let you down. Its term life and short-term disability policies are less comprehensive and have shorter coverage periods than those offered by other insurers. Questions may arise concerning Freedom Life’s service and claim settlements because of its low business and consumer ratings.

Freedom Life insurance rates

Premiums for LifeProtector’s term life insurance policies vary from $10 to $50 each month, with steps of $5 available.

Freedom Life Insurance Review - Freedom Insurance Logo

What affects my rate with Freedom Life?

There are several variables that affect the cost of term life insurance, as well as other forms of insurance:

  • As you become older, your general health and body mass index tend to decline.
  • Recreational pursuits that might lead to a lethal obsession at work.
  • Length of the phrase Additional benefits or attributes

How to get a quote from Freedom Life insurance

By phone or online, you may apply for a Freedom Life policy. Following these procedures may be required by your application:

  1. The customer service phone number for Freedom Life Insurance of America is 800-387-9027.
  2. To get in touch with someone, use the online quotation form instead of contacting us directly.
  3. Personal information such as a person’s name, address, and medical history are all permitted.
  4. To obtain a quote, simply pick the level of protection you want.
  5. Don’t just accept the quote without reading all of your insurance paperwork.
  6. Do some research and ask a lot of questions about the various forms of insurance.
  7. Finally, sign and submit all of your paperwork to finalize the deal.
    Return the paperwork to Freedom Life to begin your coverage.

What types of life insurance coverage does Freedom Life offer?

Freedom Life is owned by the USHEALTH Group of UnitedHealthcare. Two subsidiaries of the insurer provide the following insurance products:

  • Term life. The Life Protector policy provides 10-year term life insurance, whereas the MedGuard Plan provides 5-year term life insurance. Until the policy is renewed or the death benefit is paid, the specified policy amount is covered until the policy term ends, whichever occurs first.
  • Short-term disability. Income Protector coverage can help you if you are temporarily disabled (three to twelve months). There is a 14- or 30-day elimination period and monthly benefits ranging from $500 to $1,500 for those who are unable to work because they have a covered disability.
  • Accidental death and dismemberment (AD&D). Compensation ranging from $2,500 to $15,000 will be paid if you die or lose a limb, sight, or hearing in an event covered by the Accident Protector plan. Additional coverage includes medical deductibles, co-pays, and other non-covered expenses, as well as $4,000 for air ambulance emergencies. However, it’s not clear if the limits apply to excess medical and AD&D coverage individually or as a combined maximum payout for both.
  • Critical illness. Med Guard’s life insurance coverage includes a critical illness component that pays out the whole benefit or a portion of it if you survive certain life-threatening conditions like cancer. Additionally, if a spouse or kid is hurt on the job, you’ll have coverage for them as well.

What riders can I add to my policy?

Freedom Life only mentions MedGuard critical illness coverage. In contrast, most insurance includes coverage for you and your family members, whether they are your husband or children.

Based on existing knowledge, we may conclude that

  • Spouse rider. Critical disease coverage is included in the Med Guard Plan, which covers your spouse up to a predetermined limit, depending on the level of coverage and premium you choose for your spouse’s protection.
  • Child rider. With MedGuard, your children are covered for critical sickness up to $15,000 or your spouse’s insured amount, whichever is less..

Freedom Life insurance reviews and complaints

A D+ rating has been assigned to Freedom Life Insurance Company of America by the Better Business Bureau (BBB) as of October 2020. Customer complaints concerning false sales material, refused claims, cancellations, and payment issues have resulted in this low rating.

Customers frequently express dissatisfaction because the protection they receive falls short of the promises made by sales representatives. Several other customers have expressed their displeasure with the arduous and time-consuming process of getting their claims confirmed and paid. The company’s health insurance plans are the most often voiced source of worry. According to USHEALTH Group, there is no evidence of a trend in these concerns.

Trustpilot consumers have awarded USHEALTH Group a rating of 3.4 out of 5 stars. With the exception of the BBB complaints, which rate the company as fair or terrible in the center, the majority of these customers’ reviews are good.

You may check out our Choice Mutual Life Insurance Review for more options.

Discover How Much YOU Can Save on Life Insurance

Our customers save as much as 35% compared to traditional life insurance offers…

Compare Quotes →

Avatar photo About the author: David Krug is the CEO/President of PolicyPeak, a modern and tech-driven life insurance company. David noticed a gap in the market for personalized policies at an affordable price. He founded PolicyPeak in 2022 with the goal of simplifying the buying process for consumers and offering policies tailored to their unique needs.